Which one is cheaper?

Mercury starts lower at $35/mo, compared to $99/mo for Tipalti.

Can I use either one for free?

Mercury has a free plan. Tipalti doesn't — you'll need to pay from day one.

Different approach here. Mercury uses flat-rate pricing, while Tipalti goes with hybrid. That changes the math depending on your team size and usage.

Which one is a better deal?

Depends on what you need. Mercury: Mercury is the affordable fintech banking alternative to Brex and Ramp — they're not trying to be the premium play, they're trying to be the obvious default for startups who don't want to deal with a legacy bank. At $0 to start and $350 at the top, they're well below what traditional banks charge for comparable business services. Tipalti: Tipalti sits in the mid-to-premium range for AP automation — not the cheapest option (tools like Melio or Bill.com undercut them on entry price), but they're not trying to win SMBs. They're going after finance teams at growth-stage and mid-market companies that have outgrown basic AP tools and need serious global payment rails.

Mercury vs Tipalti Pricing (2026)

	Mercury	Tipalti
Starts at	$35/mo	$99/mo
Number of plans	3	2
Free plan		—
Free trial	—	—
Pricing model	flat-rate	hybrid

Mercury

Official page

Mercury

$0/mo

Mercury Plus

$35/mo

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

$350/mo

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

Tipalti

Official page

Tipalti Accounts Payable

$99/mo

Unlimited users
Self-service supplier portal
Core automation features
Transaction pricing per invoice and payments
Expand to other modules: Procurement, Expenses, Treasury

Tipalti Mass Payments

$249/mo

Unlimited users
Payee portal
Core automation features
Transaction pricing for payments

Mercury vs Tipalti FAQ

Which one is cheaper?: Mercury starts lower at $35/mo, compared to $99/mo for Tipalti.
Can I use either one for free?: Mercury has a free plan. Tipalti doesn't — you'll need to pay from day one.
How do they charge?: Different approach here. Mercury uses flat-rate pricing, while Tipalti goes with hybrid. That changes the math depending on your team size and usage.
Which one is a better deal?: Depends on what you need. Mercury: Mercury is the affordable fintech banking alternative to Brex and Ramp — they're not trying to be the premium play, they're trying to be the obvious default for startups who don't want to deal with a legacy bank. At $0 to start and $350 at the top, they're well below what traditional banks charge for comparable business services. Tipalti: Tipalti sits in the mid-to-premium range for AP automation — not the cheapest option (tools like Melio or Bill.com undercut them on entry price), but they're not trying to win SMBs. They're going after finance teams at growth-stage and mid-market companies that have outgrown basic AP tools and need serious global payment rails.

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