Mercury vs Zoho Expense 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 | Zoho Expense | |
|---|---|---|
| Starts at | $35/mo | $4/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | flat-rate | per-seat |
Mercury
Mercury Plus
- 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
FREE
- Maximum users: 3
- Expense reports
- Expense tracking via personal cards
- Mileage expenses via GPS
- Accounting integrations
- Global tax compliance
- Multi factor authentication
- Multi-currency expenses
- Customer /project tracking
- Basic audit trail
- 5 GB receipt storage
- 20 Receipt Autoscans
- Email Support
STANDARD
- Corporate card management
- Real-time card feeds
- Multiple expense policies
- Multi-level approval
- Split expenses
- Custom user roles
- Expense access delegation
- Cash advance management
- ACH Payments
- Direct bank reimbursements
- Attendee expense management
- 20 Autoscan per user
- Email & call support
- Single sign-on (SSO)
- ERP and HRMS integrations (Add-on)
PREMIUM
Popular- Online travel booking tool
- Inbuilt travel desk management tool
- GSA compliant automated per diem management
- Auto mileage capture with live tracking
- Live budget tracking
- Itemized receipt Autoscan
- Advanced approval management and policy customization
- Advanced customization
- Multi-entity/country expense management
Mercury vs Zoho Expense FAQ
- Which one is cheaper?
- Zoho Expense is the cheaper option, starting at $4/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 Zoho Expense 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 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. Zoho Expense: Zoho is playing the aggressive value card here — $4–$6/seat undercuts most dedicated expense tools like Expensify or Concur by a meaningful margin. They're going after cost-conscious SMBs and teams already in the Zoho ecosystem who want to avoid paying a premium for a standalone tool.
Still deciding? See the best Mercury alternatives or the best Zoho Expense alternatives, ranked with verified pricing.
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