Softwr

Accounting · head to head

Mercury vs Yooz

Mercury logo

Mercury

Accounting

Banking for startups

From
Free
Rated
-
Full reviewWebsite
Yooz logo

Yooz

Accounting

AP automation for mid-sized finance teams, with unlimited users included in the subscription

From
$199/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; Yooz it is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • They diverge on capability: Mercury covers Business checking, Yooz covers Invoice capture.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Mercury and Yooz actually diverge.

Attributes where Mercury and Yooz differ
AttributeMercuryYooz
Starting priceFree$199/month
Pricing modelfreemiumPer month by invoice volume
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 Yooz

  • Invoice capture
  • Automatic coding
  • Purchase order matching
  • Approval workflow
  • Fraud and duplicate detection
  • Payment initiation
  • Unlimited users
  • E-invoicing readiness

What people use each for

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

Mercury

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

Yooz

  • A finance team with thirty occasional approvers that cannot justify per-seat AP automationnot Mercury
  • An accounting practice processing invoices on behalf of many client companiesnot Mercury
  • A French or European business preparing for mandatory electronic invoicing without buying an enterprise platformnot Mercury
  • A company losing early payment discounts because paper invoices sit in someone's tray for two weeksnot 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

Yooz

  • It is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • Pricing is published only as a starting point and the real number depends on invoice volume and connector requirements, so the advertised figure understates what most buyers pay.
  • Country compliance depth is strongest in France and francophone Europe; buyers needing many national e-invoicing mandates at once are better served by a vendor built for that.
  • Extraction accuracy on unusual supplier layouts still requires human correction, and the learning improves only with volume, so small-volume users see less benefit from the automation they are paying for.
  • ERP connectors vary in depth between accounting systems, and a shallow connector turns the promised straight-through posting into a periodic file export that someone has to run.

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

Yooz

$199/month
  • Entry$199/month
    • Unlimited users
    • Invoice capture, coding and approval workflow
    • Volume allowance applies
  • Volume tiers$undefined/month
    • Priced by monthly invoice volume
    • European mid-market typically €300 to €600 a month at 200 to 500 invoices
    • Purchase order matching and fraud detection

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 Yooz if

  • You need invoice capture.
  • You work on Web, iOS, Android.
  • You also want automatic coding.
Yooz review

Questions people ask

Is Mercury or Yooz better?
Neither clearly leads. Mercury starts at Free and Yooz at $199/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mercury or Yooz?
Mercury has a free tier; the other does not. Paid plans start at Free for Mercury and $199/month for Yooz.
Does Mercury or Yooz run on more platforms?
Mercury runs on Web, Ios, Android. Yooz runs on Web, iOS, Android.
Can I use Mercury for free?
Yes. Mercury has a free tier, so you can try it without paying. Yooz starts at $199/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 Yooz is typically brought in for.
What can Mercury do that Yooz cannot?
Mercury covers Business checking, Savings accounts, Virtual cards, Team management. Yooz covers Invoice capture, Automatic coding, Purchase order matching, Approval workflow.

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
Yooz: How is it priced?

On monthly invoice volume, with unlimited users included. Entry pricing is around $199 a month, and European mid-market deployments commonly land at €300 to €600.

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
Yooz: Are there per-user charges?

No, and that is its main commercial advantage over competitors that meter approvers.

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
Yooz: Does it do procurement as well?

No. It automates accounts payable. Requisitions, sourcing and contracts need a separate system.

Yooz: Is it ready for European e-invoicing mandates?

Yes for France and francophone Europe in particular. For a wide multi-country mandate footprint, compare against a vendor built for that specific problem.

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