Mercury Free Plan 2026: What's Included & What's Not
Honest breakdown of the free tier limits and features
Mercury costs Free to $350 per month as of June 2026, with 3 plans available including a free tier. Plans: Mercury (free), Mercury Plus at $35/month, and Mercury Pro at $350/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: Yes
Mercury offers 3 pricing tiers: Mercury, Mercury Plus, Mercury Pro. A free plan is available. Paid plans include Mercury Plus at $35/month, Mercury Pro at $350/month. The Mercury Plus plan is growing businesses needing invoicing capabilities.
Yes, Mercury offers a forever free plan as of June 2026. The free tier includes 6 features with limits on treasury. Paid plans start at $35/month (Mercury Plus). Pricing verified from 6 sources by CostBench.
Mercury's free plan is available indefinitely with no time limit.
What's Included in the Free Plan
- FDIC-insured business checking
- Unlimited physical and virtual corporate cards
- Free domestic and international USD wire transfers
- Mobile and web banking
- No account minimums or overdraft fees
- Access to Treasury with $250K balance
What's NOT Included (Paid Only)
- Everything in Mercury
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Multiple GL codes for bill payments
- Reimburse up to 20 users/month (+$5/additional)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Free Plan Limits
| Limit | Free Plan | Paid Plans |
|---|---|---|
| treasury | $250K Mercury balance required for Treasury access | Unlimited/Higher |
You'll Need to Upgrade When...
- You exceed the user limit
- You need features like Everything in Mercury or Invoice with ACH debit ($1/transaction)
- You require premium support or SLA guarantees
- You need to remove branding or watermarks
- You need advanced integrations or API access
Hidden Restrictions on Free Plan
- Mercury branding may appear on your content or communications
- Support is limited to community forums or email with longer response times
- Export options may be restricted or include watermarks
- API access is typically limited or not available
- Advanced reporting and analytics require paid plans
Free vs Paid: Which Do You Need?
Free Plan is Enough If...
- You're an individual or very small team
- You need only basic features
- You don't mind usage limits
- Branding on output is acceptable
- Community support is sufficient
You Need Paid If...
- Your team is growing beyond limits
- You need advanced features
- Professional branding is required
- You need priority support
- Integrations/API access is critical
Free vs Mercury Plus Plan Comparison
| Mercury $0 | Mercury Plus $35/month | |
|---|---|---|
| Features | 6 included | 9+ included |
| Support | Community/Email | Priority Support |
| Branding | Mercury branding | Your branding |
| Best For | Early-stage startups and small businesses | Growing businesses needing invoicing capabilities |
Frequently Asked Questions
01 Is Mercury free?
Yes, Mercury offers a forever free plan with 6 core features included. However, there are limits on treasury that may require upgrading.
02 What's included in Mercury's free plan?
Mercury's free plan includes: FDIC-insured business checking, Unlimited physical and virtual corporate cards, Free domestic and international USD wire transfers, Mobile and web banking, No account minimums or overdraft fees, and 1 more features. Key limits include treasury: $250K Mercury balance required for Treasury access.
03 What's NOT included in Mercury's free plan?
The free plan excludes: Everything in Mercury, Invoice with ACH debit ($1/transaction), Recurring invoices, Invoicing API (500 invoices created/month), Multiple GL codes for bill payments. You'll also have Mercury branding and limited support options.
04 When should I upgrade from Mercury's free plan?
Consider upgrading when: you hit user or storage limits, need features like Everything in Mercury or Invoice with ACH debit ($1/transaction), require premium support, or want to remove branding. The cheapest paid plan starts at $35/month.
05 Is Mercury's free plan really free forever?
Yes, Mercury's free plan is available indefinitely with no time limit. However, feature and usage limits may restrict what you can do without upgrading to a paid plan.