Mercury
Free tierOnline business banking built for startups, small businesses, and scaling companies
Free tier available·All audiences·API available
Key strengths
AI-powered financial automation via CommandZero-fee USD payments and no account minimumsUp to $5M FDIC insurance via partner sweep networksInstant business credit cards with 1.5% cashbackSeamless accounting sync with QuickBooks, Xero, and NetSuite
Free tier + paid plans
San Francisco, USA
Founded 2017
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- API-driven payment automation — Use the Mercury API to programmatically initiate zero-fee ACH and wire transfers within internal finance workflows
- Accounting system sync — Integrate Mercury with QuickBooks, Xero, or NetSuite to automatically push categorized transactions and reduce manual reconciliation
- AI bill-pay pipeline — Leverage Command to ingest vendor bills, extract payment details via AI, and trigger approvals — reducing human touchpoints in AP workflows
- Expense management automation — Issue virtual cards with spend limits via the dashboard or API, and automate receipt matching to transactions
- Custom financial dashboards — Pull account balances and transaction data via Mercury API to build internal reporting or CFO dashboards
- Webhook-driven event processing — Subscribe to Mercury webhooks to trigger downstream actions (e.g., Slack alerts, ERP updates) on payment events