Brex 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.
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
Mercury
- Banking
- Sending and receiving money
- Access to Treasury*
- Company cards
- Expense management
- Invoicing
- Bill pay
- Accounting
- Taxes
Mercury Plus
Popular- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Mercury Pro
- Relationship manager
- Invoice with ACH debit ($0/transaction)
- Invoicing API (unlimited invoices created/mo)
- NetSuite categorizations
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Brex vs Mercury FAQ
- Which one is cheaper?
- Brex starts lower at $12/mo, compared to $35/mo for Mercury.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Brex 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. Brex: Brex undercuts on sticker price compared to Ramp and Airbase, especially with a genuinely free tier, but the $12/seat Premium plan signals they're not trying to win on being the budget option forever. This is a land-grab strategy — get startups in free, then monetize as they scale and become harder to rip out. Mercury: Mercury sits mid-to-premium in the startup banking space — free tier keeps them competitive with Brex and Ramp on customer acquisition, but the $299 Pro tier signals they're chasing more mature, funded companies willing to pay for treasury and yield features rather than staying purely ad-supported-free like some fintech competitors.
Still deciding? See the best Brex alternatives or the best Mercury alternatives, ranked with verified pricing.
Keep tabs on both.
We'll monitor pricing changes for Brex and Mercury and let you know when something moves. See how competitor pricing monitoring works.