--- title: Mercury Reviews meta_title: 'Mercury Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 122 reviews by the users' company size, role or industry to find out how Mercury works for a business like yours. aggregate_rating: rating_value: 4.5 review_count: 122 scale: '5' date_modified: '2026-08-07' parent_category: name: Procurement url: https://www.g2.com/categories/procurement --- # Mercury Reviews **Vendor:** Mercury **Category:** [Spend Management Software](https://www.g2.com/categories/spend-management) **Average Rating:** 4.5/5.0 **Total Reviews:** 122 ## About Mercury Mercury is the fintech that brings all the ways people and businesses use money into a single product that feels extraordinary to use. With banking\*, credit cards, and software, Mercury helps more than 200K ambitious companies and entrepreneurs make better decisions and build their businesses. To learn more, visit Mercury.com. - Used by founders, finance leads, and operators at startups and SMBs - Common use cases: paying vendors and contractors, managing team spend, and reconciliation - Suitable for multi-entity structures that need shared controls and permissions - Supports companies seeking operational efficiency without expanding headcount - Up to $5M in FDIC insurance\* on deposits through our partner banks’ sweep networks Mercury combines checking & savings accounts with payments, spend control, and finance ops automation in one place. - Business checking and savings with digital onboarding and a streamlined web/mobile interface - ACH, free domestic and international USD wires from Mercury, low-fee non-USD transfers, and mailed checks - Debit and credit cards\*\* with customizable limits, merchant/category controls, real-time visibility, and cashback - Automated tools for billing, invoicing, and approvals with accounting integrations - Cash management options, including venture debt Mercury addresses the inefficiencies of legacy banking and the fragmentation of multiple finance tools by centralizing workflows and reducing payment friction. - Automates manual tasks like bill pay, invoicing, approvals, and reconciliation to speed up month-end close - Replaces branch visits and opaque fees with transparent, smooth money movement - Compliant onboarding and monitoring designed to protect businesses and reduce surprises - Fast, knowledgeable customer support across multiple channels The data: - Raised $500M in primary and secondary funding from top-tier venture capital firms and angel investors, athletes, entertainers, and 2.5K Mercury customers - $3.5B valuation in March ‘25 - 11 consecutive quarters of profitability based on both EBITDA and GAAP net-income (as of April ‘25) - $500M in revenue in 2024 - More than 200K customers - 40% growth in customers in 2024 - $156B in annual transaction volume in 2024, up 64% year-over-year - Customer NPS of 75\*\*\* (compared to banking industry average of 34) - 1 in 3 startups use Mercury\*\*\*\* - More than 50% of YC cohorts choose Mercury \*Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here. \*\*The Mercury Debit Cards are issued by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC, pursuant to licenses from Mastercard®. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®. \*\*\*Net Promoter Score (NPS) information and ratings are available at https://customergauge.com/benchmarks/blog/financial-services-nps-benchmarks. \*\*\*\*Calculation based on US-based companies that received an angel, pre-seed, seed, or Series A investment reported on Crunchbase in the most recent year. ## Mercury Pros & Cons **What users like:** - Users highlight the **ease of use** of Mercury, making banking effortless and enjoyable for small businesses. (24 reviews) - Users praise the **easy setup** of Mercury, allowing quick onboarding and immediate access to essential banking features. (11 reviews) - Users praise the **user-friendly interface** of Mercury, finding it modern and well-designed for small business needs. (8 reviews) - Users commend Mercury for its **efficient management** of finances, enjoying streamlined processes and modern features that simplify banking. (7 reviews) - Users love the **easy-to-use interface** of Mercury, which enhances daily operations for small businesses. (6 reviews) - Simple (6 reviews) - Simplicity (6 reviews) - Speed (6 reviews) - Virtual Cards (6 reviews) - Easy Integration (5 reviews) **What users dislike:** - Users face **approval issues** with Mercury, reporting frustrating delays and lack of responsiveness despite providing necessary documents. (5 reviews) - Users express frustration with **poor customer support** , encountering slow response times and unresolved requests. (4 reviews) - Users report frequent **card issues** , including lack of a physical card and dissatisfaction with its design. (3 reviews) - Users find the **credit card cash back** disappointing and desire more immediate access to credit options. (3 reviews) - Users are frustrated by **currency fees** and poor exchange rates, finding it detrimental to their experience with Mercury. (3 reviews) - Users find Mercury's fees for currency exchanges to be **expensive** compared to other service providers, affecting overall value. (3 reviews) - Integration Issues (3 reviews) - Invoice Issues (3 reviews) - Design Improvement (2 reviews) - Email Issues (2 reviews) ## Mercury Reviews ### 1. Strong startup banking interface, but policies are unfriendly to international business **Rating:** 0.5/5.0 stars **Reviewed by:** Stephen A. | Adjunct Faculty, Small-Business (50 or fewer emp.) **Reviewed Date:** March 08, 2026 **What do you like best about Mercury?** Mercury provides a clean and modern interface for managing U.S. startup finances. The onboarding process is straightforward, and the product integrates well with many tools that early-stage companies use. **What do you dislike about Mercury?** Mercury may not be a good fit for founders who do any meaningful work internationally. My account was closed despite the company being a legitimate U.S. LLC with an EIN and a U.S. mailing address. The only unusual factor appeared to be that part of my work involves one international business address. The closure happened quickly and without any opportunity to resolve the issue. For founders building global companies, that kind of uncertainty without opportunity for manual review makes financial planning extremely difficult. Many startups today operate with distributed teams or founders who spend time abroad. Based on my experience, founders with any international operations should review Mercury’s policies carefully before relying on it as their primary banking platform. **What problems is Mercury solving and how is that benefiting you?** For founders operating primarily in the United States, Mercury simplifies tasks like opening a business account, managing payments, and connecting financial tools without needing to visit a bank branch. The platform is clearly designed with startups in mind, and the user experience is much easier than traditional banking portals. ### 2. Avoid mercury! **Rating:** 0.0/5.0 stars **Reviewed by:** NICOLE S. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** August 04, 2026 **What do you like best about Mercury?** very bad experience with them and would not recommend to anyone **What do you dislike about Mercury?** My experience with @mercury: they closed my company’s account, held $42,979.58 for 60 days, then sent a U.S. check they know I cannot deposit as a non-U.S. resident. They refuse ACH or wire. International founders should be aware of this risk. **What problems is Mercury solving and how is that benefiting you?** No benefit from this bank. I would not recommend to anyone ### 3. Discriminatory practices and the misuse (weaponization) of misconstrued compliance practices **Rating:** 0.0/5.0 stars **Reviewed by:** Jean B. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** February 20, 2026 **What do you like best about Mercury?** Beautiful metallic card and very sleek professional design. **What do you dislike about Mercury?** Their staff need retraining. A simple business address update request turned into a stream of emails back and forth to no avail. I was told for "compliance" reasons my business address couldn't be updated. A brick and mortar bank statement and utility bill were provided and they were ignored. **What problems is Mercury solving and how is that benefiting you?** No problems were resolved resulting in a decision to close the account. ### 4. ABSOLUTELY TERRIBLE EXPERIENCE **Rating:** 0.0/5.0 stars **Reviewed by:** Maksym T. | CEO, Computer Software, Small-Business (50 or fewer emp.) **Reviewed Date:** August 31, 2024 **What do you like best about Mercury?** -- user interface and experience is good **What do you dislike about Mercury?** - hidden compliace - lack of transparency in communication - terrible support - not customer oriented approach - continious changing of rules - they blocking our account without explanation of reason **What problems is Mercury solving and how is that benefiting you?** Absolutely terrible experience with Mercury. Initially they opened an account to us without any problem. But in a half year they sent an email to us that they plan to block (close) our account because of some new compliance. They gave us 2 (!) weeks to sort the things out - can you imagine? Communication was absolutely terrible. Support team published one rules, PR team the other one, and the CEO said third things. Also the CEO said they don’t care about 1% of customers who were affected by new “compliance”. After that, the support team simply didn’t answer all our requests. Later they extended the closing period to one month. In this time we provided all requested documents which fully confirm by all rules (also mentioned on the site) to unblock our account. But they refused to do so and related to some “internal factors”. On the all asks to provide more details they answered with “chatgpt generated boolshit” and basically ignored all our requests. So my advice if you don’t want to lose your money stay away from this platform. They absolutely don’t care about customers and they don’t care about you personally, and your employees. They are not transparent in communication and they are not aligned inside a company. Yes, the interface is good but all other departments (support, CEO, compliance, etc) work really terribly. Do you really want trust money to such an organization? Think one hundred times. **Official Response from Bob M:** > Hi Maksym, Thank you for taking the time to leave us a review. Due to changes in how we determine account eligibility, we are no longer able to support accounts for businesses with associated addresses or frequent account activity located in some countries. We recognize the inconvenience that this update may cause and apologize for any disruption. Your feedback is greatly appreciated and will be provided to our team to ensure that we can continue to provide the best experience using Mercury as possible. ### 5. Mercury is unreliable bank **Rating:** 0.0/5.0 stars **Reviewed by:** Natasha D. | Chief Executive Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** November 01, 2024 **What do you like best about Mercury?** Mercury has a very user-friendly interface. It’s easy to make payments, and everything feels intuitive. **What do you dislike about Mercury?** We were generally satisfied with the bank until it became clear that Mercury is quite unreliable. Our company, a Delaware C Corp, worked with Mercury for almost two years without any issues on our end. We have numerous clients in the US and Europe, as well as contractors, so we constantly received and made payments. The founders are residents of the US, UK, and Georgia. At one point, the bank requested proof of residency for our US-based founder. The very next day, without waiting for the ID upload, we were suddenly notified that our account would be closed, with no possibility to appeal. In one day, our account, which handled all our payments, invoices, and contractor fees, was abruptly shut down without explanation. Mercury also has other downsides, like slow support with responses taking 2-3 business days, which is unacceptable for a modern bank, as most offer live chat with an agent. But the biggest drawback is the bank’s unreliability. Even as an established business with a solid record, founders in the US, and reputable clients, your account can be closed without warning or reason. As a founder, I can’t recommend Mercury. I’d suggest Brex or Chase, which have proven to be more reliable. **What problems is Mercury solving and how is that benefiting you?** While Mercury aims to simplify online banking for startups, their approach has serious drawbacks. The biggest issue is the lack of reliability — they closed our account without prior notice or a clear reason, disrupting our entire payment flow with clients and contractors. Additionally, customer support is slow, taking days to respond to urgent issues. Instead of solving problems, these issues have caused significant disruptions and challenges for our business. ### 6. Wait times for deposits are so slow, they are detrimental to my business! **Rating:** 0.5/5.0 stars **Reviewed by:** Nathan S. | Small-Business (50 or fewer emp.) **Reviewed Date:** July 26, 2023 **What do you like best about Mercury?** The webite is good. Kudos to the developers for keeping good UX in the front of their minds when designing and deploying. But that's where my pros end for Mercury. The services they offer are no different than literally any other bank around. And the one thing I really need them to do, which is process deposits in a timely fashion, is absolutely terrible. And they just don't really care, based on my conversations with their customer service (when I was finally able to reach someone) **What do you dislike about Mercury?** Wait times for deposits are impossibly slow. We're talking at least 7 business days, or 10 days in normal parlance. And these aren't weird deposits, either. These are regular and recurring payments made by my clients. I'm going to have to look for another bank. The wait times are also getting worse. Customer service does not help. **What problems is Mercury solving and how is that benefiting you?** The problems that Mercury purports to solve, mainly easy-to-use business banking, are simply not addressed. I feel that there are better options out there, so how exactly is Mercury contributing to the startup world by offering an inferior financial product? **Official Response from Anna Scharenbrock:** > Hi Nathan, thank you for taking the time to share this feedback with us. Currently, check deposit timelines are informed by a variety of internal risk factors. We try to balance speed of service with security, but we recommend using alternate transaction methods whenever possible. I'll be sure to pass along your comments regarding check deposit timelines over to our team - we appreciate your feedback! ### 7. Their terrible communication left my account nonfunctional over the weekend. **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Arts and Crafts | Small-Business (50 or fewer emp.) **Reviewed Date:** December 13, 2022 **What do you like best about Mercury?** Easy to create multiple accounts, multiple cards, and online-centric feel. **What do you dislike about Mercury?** Terrible communication, and they're not proactive about solving problems. We had a glitch which resulted in our account being deactivated. Did they immediately notify us by email, text and phone call? Did they immediately start working on resolving the issue? No. They waited until we noticed after transactions started failing, then they delayed helping us until we verified the account, then they took a break for the weekend and didn't log in again until Monday. Only after we were able to get the case escalated to their Compliance team through an internal connection did they start working with the other bank to start fixing the issue. Was there anything preventing them from working with the other bank the instant that the account was deactivated? None that they expressed to me. Even after all this, they seem to think that the problem was that the account was closed temporarily. While that is a problem, it's not as big of a problem as their lack of communication and initiative. Also, it's not compatible with Zelle. **What problems is Mercury solving and how is that benefiting you?** Fast setup, fast access to accounts, and easy ways to invoice and pay via ACH. - [View Mercury pricing details and edition comparison](https://www.g2.com/products/mercury-mercury/reviews?filters%5Bnps_score%5D%5B%5D=1§ion=pricing&secure%5Bexpires_at%5D=2026-08-14+10%3A41%3A03+-0500&secure%5Bsession_id%5D=fecfc72d-9dc7-4405-9ae6-c0e6b1c82e89&secure%5Btoken%5D=c8c03122cda43c6329cc8f266043a510f22aad7294e6c62af409ccfdf27c5e90&format=llm_user) ## Mercury Integrations - [Finch](https://www.g2.com/products/finch-finch/reviews) - [NetSuite](https://www.g2.com/products/oracle-netsuite/reviews) - [Plaid](https://www.g2.com/products/plaid/reviews) - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) - [Quicken](https://www.g2.com/products/quicken/reviews) - [Shopify](https://www.g2.com/products/shopify/reviews) - [Stripe Atlas](https://www.g2.com/products/stripe-atlas/reviews) - [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) - [Xero](https://www.g2.com/products/xero/reviews) - [Zapier](https://www.g2.com/products/zapier/reviews) ## Mercury Features **Expense Reports** - Bank / Credit Card Integration - Smart Categorization - Digital Receipt Management - Employee Reimbursement - Currency Conversions - Corporate Card - Credit Card Management **Setup** - Approvals - Real-Time Data **Invoice Management** - Capture - Repository **Bill Generation** - Templates - Digital Billing - Recurring Billing - Hourly Billing - Contingency Billing - Project Billing - Multi-Period Recurring Billing - Recurring/Subscription Billing - Deferred Billing **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Agentic AI - Expense Management** - Autonomous Task Execution **Travel Management** - Online Booking - Credit Card Management - Booking Management - User Management - Restriction Management - Reservations Management - Reimbursement Management - Vendor Management - Travel Management - Promotions Management - Workflow Management - Receipt Management - Supplier Management - Compliance Management - Policy Management - Invoice Management - Real-Time Notifications - Third-Party Integrations - Timesheet Management - Invoice Management - Reimbursement Management - Real-Time Notifications **Performance** - Forecasting **Invoice Processing** - Matching - Payments - Workflows - Recurring Payments **Bill Processing** - Consolidation - Batch Invoicing - Management - Compliance Management - Purchase Order Management - Document Management - Email Management - Client Management - Dunning Management - Master Data Management - Refund Management - Discount Management - Sales Tax Management - Subscription Management - Recurring Invoicing - Billing & Invoicing **Analytics** - Due Dates **Integration** - Accounting - Payments - ERP - Mobile Payments - CRM **Payment Cards** - Recurring Virtual - Physical **Client Invoicing** - Invoice Creation and Delivery - Electronic Payments - Biometric Recognition - Optical Character Recognition **Integration** - Accounting - Payment Integration - ERP - ERP integration **Reporting** - Real-Time Monitoring - Multiple Views - Data Import/Export - Real-Time Updates - Real-Time Reporting - Real-Time Analytics **Agentic AI - Billing** - Autonomous Task Execution **Generative AI - Expense Management** - Image-to-Text - Text Generation - Text Summarization **Additional Functionality** - File Encryption - Reporting & Statistics - Alerts/Notifications - Contact Database - Third-Party Integrations - AI Copilot - File Sharing - Purchasing & Receiving - Multi-Language - Activity Dashboard - Customizable Invoices - Real-Time Reporting - Credit Card Processing - Quotes/Estimates - Fraud Detection - Real-Time Data - Generative AI - Dynamic Pricing - Credit Note - Duplicate Detection - Invoice History - Reminders - Billing Portal - Accounting Integration - Backup and Recovery - Customizable Branding - Bulk Send - Invoice Creation - Time & Expense Tracking - API - Customizable Reports - Projections - Multi-Currency - Event Logs - Invoice Processing - Automated Receipt Matching - Tax Calculation - Payment Processing - Data Import/Export - Real-Time Analytics - Client Portal - Email Reminders - Mobile Access - Bank Reconciliation - Transaction History - Customer Accounts - Customizable Fields - PCI Compliance - Audit Trail - Multiple Payment Options - Self Service Portal - ACH Payment Processing - Third-Party Integration - Payment Tracking - Batch Processing - Approval Workflow - For Small Businesses - Tax Compliance - Workflow Automation **Additional Functionality** - Audit Trail - Secure Data Storage - AI Copilot - Approval Process Control - Data Import/Export - Duplicate Detection - Expense Claims - Budgeting/Forecasting - Customizable Fields - Spend Control - Customizable Templates - Access Controls/Permissions - Reporting & Statistics - Automated Receipt Matching - Mobile Receipt Upload - Billable & Non-Billable Hours - Financial Analysis - Categorization/Grouping - Single Sign On - Activity Dashboard **Payments** - Vendor - Recurring - Employee Reimbursements - ACH - Reimbursement Management **Mobile** - Receipt Capture - Expense Tracking - Real-Time Updates **Platform** - Embedded AI / Machine Learning - Complex Approval Workflow - Generative AI **Fraud & Risk Management** - Notifications - Controls - Budget Control - Approval Process Control - Spend Control - Prepaid Cards **Administration** - PCI Regulation Compliant **Additional Functionality** - Reminders - Activity Tracking - Invoice Processing - Accounting Integration - Categorization/Grouping - Reporting & Statistics - Configurable Workflow - Spend Analysis - Expense Tracking - Third-Party Integrations - Accounting - Audit Management - Approval Workflow - AI Copilot - Supplier Management - Invoice Management - Billing & Invoicing - Transaction History - Purchase Order Management - Audit Trail - Generative AI - Expense Claims - Workflow Management - Time & Expense Tracking - Multi-Currency - Vendor Management - Procurement Management - Credit Card Management - Compliance Management - Requisition Management - Customizable Reports - Ad hoc Reporting - Financial Management - API - Rules-Based Workflow - Receipt Management - Activity Dashboard - Purchasing & Receiving **Administration** - Business Tool Integration - Policy Compliance Management - User, Role, and Access Management - Timesheet Management - Payroll Management - Employee Management - Invoice Management - Calendar Management - Workflow Management - Task Management - Mobile Access - Mobile Access - Workflow Management - Compliance Management **Platform** - Reporting - APIs / Integration - Internationalization - Performance and Reliability - Mobile User Support - Accounting Integration - QuickBooks Integration - Real-Time Reporting - Third-Party Integrations - Payroll Integration - Accounting Integration **Audit** - Overpayments - Duplicates **Fraud** - Monitoring **Additional Functionality** - Data Import/Export - Invoice Management - Online Banking - 1099 Preparation - Generative AI - Receipt Management - AI Copilot - Fraud Detection - Duplicate Payment Alert - Document Management - Compliance Management - Inventory Management - Check Writing - Mobile Access - Audit Trail - Reporting/Analytics - Multi-Currency - Status Tracking - Activity Dashboard - Cash Management - Alerts/Notifications - Billing & Invoicing - Vendor Management - Anomaly Detection - API - ACH Payment Processing - Invoice Processing - Aging Tracking - Supplier Management - General Ledger - Expense Tracking - Bank Reconciliation - Workflow Management - Customizable Reports - Approval Process Control - Electronic Funds Transfer - Purchase Order Reconciliation - Financial Management - Workflow Automation ## Top Mercury Alternatives - [Brex](https://www.g2.com/products/brex/reviews) - 4.8/5.0 (1,594 reviews) - [Rho](https://www.g2.com/products/rho/reviews) - 4.7/5.0 (126 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) - 4.8/5.0 (2,485 reviews)