---
description: Discover the benefits and disadvantages of Mercury.  Learn the software price, see the description, and read the most helpful reviews for UK business users. 
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Mercury Pricing, Cost & Reviews - Capterra UK 2026
---

Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Mercury](/software/1084476/Mercury)

# Mercury

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> Mercury is a banking platform that gives entrepreneurs one product to accomplish everything they want with their money.
> 
> Verdict: Rated **4.9/5** by 57 users. Top-rated for **Likelihood to recommend**.

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## Overview

### Who Uses Mercury?

Mercury is used by startups, tech companies, ecommerce brands, agencies, consultants, firms, VC funds, crypto companies, and accounting firms.

## Quick Stats & Ratings

| Metric | Rating | Detail |
| **Overall** | **4.9/5** | 57 Reviews |
| Ease of Use | 5.0/5 | Based on overall reviews |
| Customer Support | 4.4/5 | Based on overall reviews |
| Value for Money | 4.8/5 | Based on overall reviews |
| Features | 4.8/5 | Based on overall reviews |
| Recommendation percentage | 90% | (9/10 Likelihood to recommend) |

## About the vendor

- **Company**: Mercury
- **Location**: San Francisco, US

## Commercial Context

- **Starting Price**: US$0.00
- **Pricing model**: Flat Rate (Free version available) (Free Trial)
- **Pricing Details**: At Mercury, banking\* services and essential tools are always $0/mo — with more plans available as your business grows. Mercury has 3 plans available:
1. Mercury (free): Comes with powerful banking and finance essentials included with every account.
2. Mercury Plus (starts at $29.90/month): For businesses that need more efficiencies and streamlined invoicing.
3. Mercury Pro (starts at $299/month): For businesses with complex operations that need a relationship manager.
\*Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.
- **Target Audience**: Self Employed, 2–10, 11–50, 51–200
- **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile)
- **Supported Languages**: English
- **Available Countries**: United States

## Features

- ACH Payment Processing
- Accounting
- Accounting Integration
- Alerts/Escalation
- Approval Process Control
- Approval Workflow
- Authentication
- Bank Reconciliation
- Billing & Invoicing
- Categorisation/Grouping
- Corporate Card
- Credit Card Management
- Customer Statements
- Customisable Invoices
- Data Visualisation
- Electronic Payments
- Electronic Statements
- Expense Tracking
- Financial Analysis
- Financial Management
- Financial Reporting
- Invoice Processing
- Mobile Payments
- Mobile Receipt Upload
- Online Payments
- Payment Collection
- Payment Processing
- Receipt Management
- Reminders
- Reporting & Statistics
- Reporting/Analytics
- Retail Banking
- Single Sign On
- Spend Analysis
- Spend Control
- Transaction Monitoring
- Workflow Management

## Support Options

- Email/Help Desk
- FAQs/Forum
- Chat

## Category

- [Payment Processing Software](https://www.capterra.co.uk/directory/30232/payment-processing/software)

## Related Categories

- [Payment Processing Software](https://www.capterra.co.uk/directory/30232/payment-processing/software)
- [Financial Management Software](https://www.capterra.co.uk/directory/31136/financial-management/software)
- [Spend Management Software](https://www.capterra.co.uk/directory/31817/spend-management/software)
- [Financial Services Software](https://www.capterra.co.uk/directory/31123/financial-services/software)
- [Billing and Invoicing Software](https://www.capterra.co.uk/directory/30015/billing-and-invoicing/software)

## Alternatives

1. [Sage Intacct](https://www.capterra.co.uk/software/76/intacct) — 4.3/5 (684 reviews)
2. [Qonto](https://www.capterra.co.uk/software/173384/qonto) — 4.5/5 (250 reviews)
3. [Revolut Business](https://www.capterra.co.uk/software/1005074/revolut-for-business) — 4.0/5 (81 reviews)
4. [Metaprise](https://www.capterra.co.uk/software/1023107/metaprise) — 4.7/5 (75 reviews)
5. [Plaid](https://www.capterra.co.uk/software/174384/plaid) — 4.4/5 (101 reviews)

## Reviews

### "a good neobank for startups" — 5.0/5

> **Ville** | *31 March 2026* | Research | Recommendation rating: 9.0/10
> 
> **Pros**: The app works well, and is free. the treasury rates are good so good place to park fundraising cash (esp for startups because unlocking good rates often requires high minimum balances and Mercury's limits worked for us). Onboarding via stripe atlas was smooth.
> 
> **Cons**: Lack of support for foreign currencies (GBP in particular for us as we do business in the UK) can make dealing with foreign payments challenging.
> 
> very good, not much to complain and it's a good banking service for startups in particular esp. if you don't deal with cash and like to use an app for banking

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### "Absolute Ease to use\!" — 4.0/5

> **Henri** | *30 March 2026* | Marketing & Advertising | Recommendation rating: 9.0/10
> 
> **Pros**: It's very easy to use, easy accessible and it all makes a lot of sense how to use. Also the 1099 filing was very easy.
> 
> **Cons**: I believe the accounting integration, as far as I know, is lacking a bit. We use Ramp for our credit card spend and it integrates very well with QBO.
> 
> Very good\! The UI is very self explanatory, I'm rather new to Mercury and the more I use it the more im liking it.

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### "Would definitely recommend Mercury to any small business owner." — 5.0/5

> **Sajid** | *30 March 2026* | Information Technology & Services | Recommendation rating: 10.0/10
> 
> **Pros**: I like the ease of use of the interface. It is simple, intuitive and gives me all the features I need as a small technology company owner to keep track of my finances. I can easily invoice my customers, manage payroll and make payments. 
The user management interface is especially useful to me as I can assign roles and manage role based access control to the account. As a CEO, this is very helpful to me as I can delegate financial responsibilities easily, make my employees accountable for their duties and also very importantly give my employees a simple user interface to perform their business banking related duties easily and effectively, thereby driving efficiency, job satisfaction and a work-life balance.
> 
> **Cons**: I think the minimum balance requirement for a business credit card is quite high. This not only discourages me to continue having a credit card but for a small business like mine, I have to keep a close eye on the cashflow to not default on the minimum balance. This additional pressure is not something that I need while trying to grow my business.
> 
> My overall experience has been excellent. I have been able to operate my bank account with ease while travelling abroad and my customers find it very easy to pay me through the simple invoicing and payment integration that Mercury bank provides. I am very happy that I chose Mercury for my banking needs.

-----

### "Five Year Mercury User Review" — 5.0/5

> **Getty** | *1 April 2026* | Financial Services | Recommendation rating: 10.0/10
> 
> **Pros**: Works like a modern technology company, whereas most banks are difficult and unintuitive. It's also great that they don't have any hidden fees or transfer fees. It's super easy to give cards to new team members.
> 
> **Cons**: It would be nice if our checking account earned a modest interest rate instead of having to park cash in the treasury account.
> 
> We've been using Mercury since we started the company. Overall, I have found the platform easy to use. They have done a nice job of expanding the feature set to include things I actually need. I've had some hiccups getting Xero configured with it, but it works fine now (other than the Treasury account). 

I recommend it to all my founder friends.

-----

### "Average Bank" — 3.0/5

> **Shawn** | *31 March 2026* | Real Estate | Recommendation rating: 1.0/10
> 
> **Pros**: They are fast at getting back to you and attempting to resolve issues. They respond well although not enough clarity given.
> 
> **Cons**: They do not put enough pressure on other banks. I have fraud and they haven’t done enough to pressure the other bank
> 
> Overall average I wanted results in my fraud case and they keep telling me that they haven’t heard from the bank yes

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## Links

- [View on Capterra](https://www.capterra.co.uk/software/1084476/Mercury)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.capterra.com/p/10035709/Mercury/> |
| en-AE | <https://www.capterra.ae/software/1084476/Mercury> |
| en-AU | <https://www.capterra.com.au/software/1084476/Mercury> |
| en-CA | <https://www.capterra.ca/software/1084476/Mercury> |
| en-GB | <https://www.capterra.co.uk/software/1084476/Mercury> |
| en-IE | <https://www.capterra.ie/software/1084476/Mercury> |
| en-IL | <https://www.capterra.co.il/software/1084476/Mercury> |
| en-IN | <https://www.capterra.in/software/1084476/Mercury> |
| en-NZ | <https://www.capterra.co.nz/software/1084476/Mercury> |
| en-SG | <https://www.capterra.com.sg/software/1084476/Mercury> |
| en-ZA | <https://www.capterra.co.za/software/1084476/Mercury> |

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