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Accounting · head to head

Conta Azul vs Mercury

Conta Azul logo

Conta Azul

Accounting

Brazilian cloud system for small business finance, invoicing and sharing the books with the accountant

From
239.9/month
Rated
-
Full reviewWebsite
Mercury logo

Mercury

Accounting

Banking for startups

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mercury has a free tier, so it costs nothing to try first.
  • Each has a real cost: Conta Azul it is a Brazilian product with Brazilian fiscal logic, so it is of no use to an entity filing anywhere else, and a foreign group with a Brazilian subsidiary runs it as a local island alongside whatever the group reports in.; Mercury treasury access requires a $250,000 balance held with Mercury
  • They diverge on capability: Conta Azul covers Electronic invoice issuance, Mercury covers Business checking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Conta Azul and Mercury actually diverge.

Attributes where Conta Azul and Mercury differ
AttributeConta AzulMercury
Starting price239.9/monthFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2019

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Conta Azul

  • Electronic invoice issuance
  • Receivables and payables
  • Bank reconciliation
  • Boleto collection
  • Customer and supplier records
  • Sales orders and quotations
  • Stock control
  • Accountant access

Only in Mercury

  • Business checking
  • Savings accounts
  • Virtual cards
  • Team management
  • API access
  • QuickBooks
  • Xero
  • Stripe

What people use each for

The jobs each tool is most often brought in to do.

Conta Azul

  • A Brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flownot Mercury
  • A service company that needs to issue municipal service invoices and reconcile boleto collections without manual matchingnot Mercury
  • A business whose accountant asks for organised records each month instead of a folder of documentsnot Mercury
  • A small retailer or distributor needing basic stock control tied to the documents it already has to issuenot Mercury

Mercury

  • Business banking and payments for startupsnot Conta Azul
  • Managing treasury, invoicing and corporate cards from one accountnot Conta Azul

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Conta Azul

  • It is a Brazilian product with Brazilian fiscal logic, so it is of no use to an entity filing anywhere else, and a foreign group with a Brazilian subsidiary runs it as a local island alongside whatever the group reports in.
  • Plans are scoped by revenue band, so a company that crosses a threshold pays more without necessarily using more of the product, and budgeting the software cost means forecasting turnover rather than usage.
  • It is not a tax calculation and filing engine, so the accountant still prepares the statutory obligations, and a business that expects the subscription to cover its Brazilian tax compliance has misread what it is buying.
  • Municipal service invoice coverage varies by city because each municipality runs its own system, so a business in a smaller or unusual municipality may find its service invoices still have to be issued on the city portal by hand.
  • The product targets micro and small companies under the simplified regime, so a business that grows into the more complex Brazilian tax regimes will outgrow it and face a migration at exactly the moment its accounting is becoming harder.

Mercury

  • Treasury access requires a $250,000 balance held with Mercury
  • Non USD international wires carry a 1% conversion fee
  • Choosing OUR wire coding, which covers intermediary bank charges, costs $15 per wire
  • ACH invoicing is $1 per transaction on Mercury Plus and only free on the $299 a month Pro plan
  • Advanced and recurring invoicing require Mercury Plus at $29.90 a month

Pricing, plan by plan

Conta Azul

239.9/month
  • Essencial (MEI)$239.9/month
    • 1 user access
    • Financial management
    • Invoicing
  • Controle (ME)$449.9/month
    • 2 user accesses
    • Financial management
    • Invoicing
  • Avançado$519.9/month
    • 5 user accesses
    • Financial management
    • Invoicing
  • Performance$839.9/month
    • 15 user accesses
    • Financial management
    • Invoicing

Mercury

Free
  • Mercury (Free)Free
    • ACH payments
    • Domestic wires
    • Real-time payments
  • Mercury Plus$29.9/month
    • Invoice ACH debits
    • Recurring invoices
    • Invoicing API (500/month)
  • Mercury Pro$299/month
    • All Plus features
    • Relationship manager
    • Free ACH invoice debits

Which should you pick?

Choose Conta Azul if

  • You need electronic invoice issuance.
  • You also want receivables and payables.
Conta Azul review

Choose Mercury if

  • You need business checking.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want savings accounts.
Mercury review

Questions people ask

Is Conta Azul or Mercury better?
Neither clearly leads. Conta Azul starts at 239.9/month and Mercury at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Conta Azul or Mercury?
Mercury has a free tier; the other does not. Paid plans start at 239.9/month for Conta Azul and Free for Mercury.
Does Conta Azul or Mercury run on more platforms?
Conta Azul runs on Web. Mercury runs on Web, Ios, Android.
Can I use Mercury for free?
Yes. Mercury has a free tier, so you can try it without paying. Conta Azul starts at 239.9/month.
What is Conta Azul best used for?
Conta Azul is most often used for a brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flow, a service company that needs to issue municipal service invoices and reconcile boleto collections without manual matching, a business whose accountant asks for organised records each month instead of a folder of documents, a small retailer or distributor needing basic stock control tied to the documents it already has to issue. Of those, a brazilian micro or small business under the simplified tax regime that runs receivables in a spreadsheet and wants control of cash flow and a service company that needs to issue municipal service invoices and reconcile boleto collections without manual matching are not what Mercury is typically brought in for.
What can Conta Azul do that Mercury cannot?
Conta Azul covers Electronic invoice issuance, Receivables and payables, Bank reconciliation, Boleto collection. Mercury covers Business checking, Savings accounts, Virtual cards, Team management.

Answered from the vendors’ own pages

Conta Azul: Does Conta Azul do my tax filings?

No. It organises the operational and financial records and shares them with your accountant, who prepares and files the tax obligations. It is the record keeping layer, not the compliance filer.

Mercury: Is Mercury business banking free?

Mercury's base banking tier is free and includes ACH payments, domestic wire transfers, real-time payments, Bill Pay, and QuickBooks/Xero automations at no monthly cost.

Source
Conta Azul: Can it issue service invoices for my city?

Coverage depends on your municipality, because each runs its own service invoice system. Check your specific city before subscribing, since a gap there is the difference between automation and manual issuance.

Mercury: What does Mercury Plus add beyond the free tier?

Mercury Plus costs $29.90 per month and adds invoice ACH debits, recurring invoice capabilities, invoicing API with 500 calls per month, unlimited 1099 filings, and access to partner benefits.

Source
Conta Azul: Why does the price depend on my revenue?

Plans are banded by turnover rather than purely by features or users. It keeps the entry price low for very small companies, but it means growth triggers a price change independent of how much of the product you use.

Mercury: Does Mercury charge monthly account fees?

No, Mercury states there are no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. The free tier includes essential business banking, with paid tiers available for additional features.

Source
Conta Azul: Will my accountant work in it?

Many Brazilian practices already do, and there is a dedicated accountant role. Ask your accountant before subscribing; if they work in a different product, the friction of running two systems usually falls on you.

Conta Azul: Is it suitable if I leave the simplified tax regime?

It is built around smaller companies and the simplified regime. As the tax treatment becomes more complex, expect to outgrow it and to face a migration alongside a change of accounting complexity.

Conta Azul: Is there an English interface?

It is a Brazilian product in Portuguese, aimed at Brazilian owners and accountants. Plan for Portuguese language operation.

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