Mercury Pricing (2026)
Flat-rate tiers with no per-seat or usage metering — you're paying for a bundle of banking features and account perks rather than scaling by team size or transaction volume. The jump from $0 to $35 to $299 is a straight feature-access ladder, not a metered cost.
- Mercury
- $0/mo
- Mercury Plus Popular
- $35/mo
- Mercury Pro
- $299/mo
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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
Does Mercury have a free plan?
Yes: the Mercury plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $35/mo.
What the free plan includes
- Banking
- Sending and receiving money
- Access to Treasury*
- Company cards
- Expense management
- Invoicing
- Bill pay
- Accounting
- Taxes
AI Pricing Analysis
Pricing Model
Flat-rate tiers with no per-seat or usage metering — you're paying for a bundle of banking features and account perks rather than scaling by team size or transaction volume. The jump from $0 to $35 to $299 is a straight feature-access ladder, not a metered cost.
Tier Strategy
The free tier hooks early-stage founders who just need basic business banking without commitment. Plus targets small teams needing better yield or perks once cash balances grow, while Pro is built for later-stage startups that need premium treasury features, higher transaction limits, or dedicated support — the upgrade trigger is usually cash balance size and banking complexity, not headcount.
Competitive Positioning
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.
Growth Lever
Yield-generating features, higher-limit treasury tools, and priority support sit behind the paywall, so expansion is driven by companies wanting to put idle cash to work rather than by adding users. The 15% annual discount nudges committed customers to lock in yearly, but Enterprise custom pricing is where the real expansion revenue lives for larger accounts.
Want the strategist's read on the live page? Read the AI teardown of Mercury's pricing page →
Mercury Pricing FAQ
- How much does Mercury cost?
- Paid plans start at $35/mo, going up to $299/mo for larger teams. You can get started on the free plan before committing.
- Is there a free plan?
- Yes. The "Mercury" plan is free forever, not just a trial. You get banking, sending and receiving money, access to treasury* — plus 6 more features. It's enough to evaluate the product before upgrading.
- Can I try it before paying?
- There's no trial per se, but the free plan lets you use the product indefinitely with some limits.
- How does the pricing work?
- Flat-rate tiers with no per-seat or usage metering — you're paying for a bundle of banking features and account perks rather than scaling by team size or transaction volume. The jump from $0 to $35 to $299 is a straight feature-access ladder, not a metered cost.
- Is there a discount for annual billing?
- Yes — you save up to 15% if you pay annually instead of month-to-month. They also mention: "15% off with annual billing."
- Which plan makes sense for me?
- The free tier hooks early-stage founders who just need basic business banking without commitment. Plus targets small teams needing better yield or perks once cash balances grow, while Pro is built for later-stage startups that need premium treasury features, higher transaction limits, or dedicated support — the upgrade trigger is usually cash balance size and banking complexity, not headcount.
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Comparing Mercury to something specific? Try Mercury vs Bill.com, Mercury vs Brex, or Mercury vs ChartMogul. Or see the best Mercury alternatives, ranked.
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