Bill.com vs Mercury Pricing (2026)

How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.

Bill.com pricing Mercury pricing
Starts at $49/mo $29/mo
Number of plans 4 3
Free plan —
Free trial — —
Pricing model per-seat flat-rate

Price is one row. To weigh the features too, use our feature comparison template →

Bill.com pricing

Official page

Essentials

$49/mo

Team

$65/mo

Corporate

Popular
$89/mo

Enterprise

Custom
  • Automatic 2-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, & more
  • Sync purchasing orders and automatic 2 and 3-way matching
  • Single Sign-On
  • Dual control
  • Multi-entity, multi-location accounting capabilities
  • API access
  • Priority support

Mercury pricing

Official page

Mercury

$0/mo
  • Banking
  • Sending and receiving money
  • Access to Treasury*
  • Company cards
  • Expense management
  • Invoicing
  • Bill pay
  • Accounting
  • Taxes
  • Mercury Books

Mercury Plus

$29/mo
  • Invoice with ACH debit ($1/transaction)
  • Recurring invoices
  • Unlimited 1099 tax filings
  • $50 off eligible LegalZoom Compliance Plans
  • 6 months free Xero + $100 Amazon gift card

Mercury Pro

$299/mo
  • Relationship manager
  • Invoice with ACH debit ($0/transaction)
  • NetSuite categorizations
  • Unlimited 1099 tax filings
  • $50 off eligible LegalZoom Compliance Plans
  • 6 months free Xero + $100 Amazon gift card

Bill.com vs Mercury FAQ

Which one is cheaper?
Mercury is the cheaper option, starting at $29/mo vs $49/mo for Bill.com.
Can I use either one for free?
Mercury has a free plan. Bill.com doesn't — you'll need to pay from day one.
How do they charge?
Different approach here. Bill.com uses per-seat pricing, while Mercury goes with flat-rate. That changes the math depending on your team size and usage.
Which one is a better deal?
Depends on what you need. Bill.com: This sits mid-to-premium for AP automation — pricier than bare bookkeeping add-ons but cheaper than full ERP-adjacent finance suites. They're clearly going after SMBs and mid-market finance teams that have outgrown manual invoicing but aren't ready for NetSuite-level infrastructure, betting that the lack of a free trial won't scare off buyers who already know they need dedicated AP software. Mercury: Mercury undercuts traditional business banking (which often bundles fees invisibly) by being transparent and cheap at the low end, but Pro at $299/mo positions them as a serious mid-market play competing with treasury and finance-ops tools, not just checking accounts. They're clearly hunting VC-backed startups and scale-ups who'll eventually need Treasury's $250K-balance unlock, not mom-and-pop shops.

Still deciding? See the best Bill.com alternatives or the best Mercury alternatives, ranked with verified pricing.

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