How much does Mercury cost?

Paid plans start at $35/mo, going up to $350/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. 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.

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 Pricing."

Mercury Pricing (2026)

Flat-rate subscription with three tiers — you're paying for a bundle of banking features, not per seat or per transaction. The value metric is essentially business sophistication: more controls, higher limits, and treasury features as you move up.

From $35/mo 3 plans flat-rate Free plan

Mercury: $0/mo
Mercury Plus: $35/mo
Mercury Pro: $350/mo

Verified Jul 25, 2026 Official pricing page

Screenshot of Mercury's pricing page showing its plans and prices — Their pricing page, captured Jul 25, 2026

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Mercury

$0/mo

Mercury Plus

$35/mo $29/mo annual

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 $299/mo annual

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

AI Pricing Analysis

Pricing Model

Tier Strategy

Free is for early-stage startups who just need a business bank account; Plus at $35/mo targets growing teams that need bill pay and basic spend management; Pro at $350/mo is for companies with real treasury needs, higher ACH/wire volumes, and multi-entity complexity. The upgrade trigger is usually hitting limits on outgoing wires or needing more granular team permissions.

Competitive Positioning

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.

Growth Lever

The big paywall items are higher wire limits, treasury account access, and advanced spend controls — things that matter a lot once a company is moving serious cash. Expansion is feature-driven rather than seat-driven, which means upgrade pressure comes from operational scale, not headcount growth.

Mercury Pricing FAQ

How much does Mercury cost?: Paid plans start at $35/mo, going up to $350/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. 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 subscription with three tiers — you're paying for a bundle of banking features, not per seat or per transaction. The value metric is essentially business sophistication: more controls, higher limits, and treasury features as you move up.
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 Pricing."
Which plan makes sense for me?: Free is for early-stage startups who just need a business bank account; Plus at $35/mo targets growing teams that need bill pay and basic spend management; Pro at $350/mo is for companies with real treasury needs, higher ACH/wire volumes, and multi-entity complexity. The upgrade trigger is usually hitting limits on outgoing wires or needing more granular team permissions.

More Finance pricing

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Comparing Mercury to something specific? Try Mercury vs Bill.com, Mercury vs Brex, or Mercury vs ChartMogul.

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