Mercury vs Brex Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
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
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 vs Brex FAQ
- Which one is cheaper?
- Brex is the cheaper option, starting at $12/mo vs $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. Mercury uses flat-rate pricing, while Brex goes with per-seat. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. 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. 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.
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