Softwr

Accounting · head to head

Mercury vs Rydoo

Mercury logo

Mercury

Accounting

Banking for startups

From
Free
Rated
-
Full reviewWebsite
Rydoo logo

Rydoo

Accounting

Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams

From
$10/month
Rated
-
Full reviewWebsite

The short version

  • Only Mercury has a free tier, so it costs nothing to try first.
  • Each has a real cost: Mercury treasury access requires a $250,000 balance held with Mercury; Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • They diverge on capability: Mercury covers Business checking, Rydoo covers Receipt OCR.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mercury and Rydoo actually diverge.

Attributes where Mercury and Rydoo differ
AttributeMercuryRydoo
Starting priceFree$10/month
Pricing modelfreemiumPer user per month
Free tierYesNo
Founded2019Unknown

Identical on both: platforms (Web, Ios, Android), 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 Mercury

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

Only in Rydoo

  • Receipt OCR
  • Per diem engine
  • Mileage
  • VAT fields
  • Multi-entity
  • ERP export

What people use each for

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

Mercury

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

Rydoo

  • A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Mercury
  • A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Mercury
  • A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Mercury
  • A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot Mercury

Where each one falls short

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

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

Rydoo

  • A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
  • There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
  • Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
  • Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.

Pricing, plan by plan

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

Rydoo

$10/month
  • Essentials$10/month
    • Around 9 per user per month billed annually
    • Five-user minimum
    • Receipt capture, approvals and accounting export
  • Pro$12/month
    • Around 11 per user per month billed annually
    • Per diem engine and advanced policy controls
    • Multi-entity and multi-currency handling
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom ERP and single sign-on work
    • Dedicated support and onboarding

Which should you pick?

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

Choose Rydoo if

  • You need receipt ocr.
  • You work on Web, iOS, Android.
  • You also want per diem engine.
Rydoo review

Questions people ask

Is Mercury or Rydoo better?
Neither clearly leads. Mercury starts at Free and Rydoo at $10/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mercury or Rydoo?
Mercury has a free tier; the other does not. Paid plans start at Free for Mercury and $10/month for Rydoo.
Does Mercury or Rydoo run on more platforms?
Mercury runs on Web, Ios, Android. Rydoo runs on Web, iOS, Android.
Can I use Mercury for free?
Yes. Mercury has a free tier, so you can try it without paying. Rydoo starts at $10/month.
What is Mercury best used for?
Mercury is most often used for business banking and payments for startups, managing treasury, invoicing and corporate cards from one account. Of those, business banking and payments for startups and managing treasury, invoicing and corporate cards from one account are not what Rydoo is typically brought in for.
What can Mercury do that Rydoo cannot?
Mercury covers Business checking, Savings accounts, Virtual cards, Team management. Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields.

Answered from the vendors’ own pages

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
Rydoo: Does Rydoo issue cards?

No. It is expense software only; you keep your existing corporate card or bank programme.

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
Rydoo: Is there a minimum?

Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.

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
Rydoo: Do I need the Pro plan?

If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.

Share

Related pages

More on Mercury

More on Rydoo

Keep looking

Other head to heads