Accounting · pricing
Mercury pricing
Mercury publishes 3 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Mercury pricing is free, then $29.9/month across 3 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free, then $29.9/month
- Model
- Freemium
- Tiers
- 3
- Free tier
- Yes
Mercury plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Mercury (Free) | Free | 6 | Entry tier |
| Mercury Plus | $29.9/month | 5 | +$29.9/month, 5 more features |
| Mercury Pro | $299/month | 5 | +$269.1/month, 5 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Mercury (Free)
FreeThe entry tier. It covers ach payments, domestic wires, real-time payments, bill pay, usd card transactions, quickbooks/xero automations.
Mercury Plus
$29.9/monthOver Mercury (Free), this tier adds:
- Invoice ACH debits
- Recurring invoices
- Invoicing API (500/month)
- Unlimited 1099 filings
- Partner benefits
Mercury Pro
$299/monthOver Mercury Plus, this tier adds:
- All Plus features
- Relationship manager
- Free ACH invoice debits
- Unlimited invoicing API
- NetSuite categorizations
Where Mercury stops being free
Mercury (Free), Free
- ACH payments
- Domestic wires
- Real-time payments
- Bill Pay
- USD card transactions
- QuickBooks/Xero automations
Mercury Plus, $29.9/month
The first thing you pay for:
- Invoice ACH debits
- Recurring invoices
- Invoicing API (500/month)
- Unlimited 1099 filings
- Partner benefits
What the product covers
The full Mercury feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Business checking
- Savings accounts
- Virtual cards
- Team management
- API access
Integrations
- QuickBooks
- Xero
- Stripe
Security
- FDIC insured
- SOC 2
Platform
- Web support
- Ios support
- Android support
People bring Mercury in for business banking and payments for startups, managing treasury, invoicing and corporate cards from one account. If that is not the job you are buying for, the alternatives to Mercury are worth a look before you commit to a tier.
How that compares in Accounting
Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month. Mercury starts at $29.9/month, which puts it above the middle of its category.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Mercury (this page) | Free, then $29.9/month | freemium | - | |
| Rydoo | $10/month | Per user per month | - | vs Mercury |
| Happay | On request | quote | - | vs Mercury |
| Moss | On request | quote | - | vs Mercury |
| Mesh Payments | Free, then $13/month | Per user per month | - | vs Mercury |
| Medius Expense | On request | quote | - | vs Mercury |
| Ottimate | On request | quote | - | vs Mercury |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Mercury badges page.
Before you pay for Mercury
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 3 tiers between Free and $299/month, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Mercury runs on web, ios, android, and is published by Mercury Technologies Inc of San Francisco, CA. The full record is on the Mercury review, and the rest of the category is under best accounting tools.
Mercury pricing questions
- How much does Mercury cost?
- Mercury publishes 3 tiers, from Free for Mercury (Free) up to $299/month for Mercury Pro. The entry tier costs nothing.
- Does Mercury have a free plan?
- Yes. The Mercury (Free) tier costs nothing and covers ach payments, domestic wires, real-time payments. Paying starts at $29.9/month for Mercury Plus.
- What is the difference between Mercury (Free) and Mercury Plus on Mercury?
- Mercury Plus costs $29.9/month against Free, and adds invoice ach debits, recurring invoices, invoicing api (500/month), unlimited 1099 filings.
- Is the Mercury Pro plan on Mercury worth it?
- That depends entirely on whether you need what it adds, which on the published record is all plus features, relationship manager, free ach invoice debits, unlimited invoicing api. It costs $299/month against $29.9/month for Mercury Plus. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Is Mercury expensive for a accounting tool?
- It starts above the middle of its category. Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month; Mercury starts at $29.9/month.
- Which accounting tools can I use without paying?
- 1 of the 8 accounting tools listed alongside Mercury have a free tier: Mesh Payments.
- What am I actually paying for with Mercury?
- The record lists 13 features across 4 areas: other, integrations, security, platform. In practice it is brought in for business banking and payments for startups, managing treasury, invoicing and corporate cards from one account.
- Does Mercury charge per user?
- The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Mercury prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Mercury against before paying?
- The closest accounting tools in this directory are Rydoo, Happay, Moss, Mesh Payments. Each has a side-by-side comparison with Mercury covering price, platforms and features.