Mercury MCP Pricing 2026
Plans, hidden costs, and cheaper alternatives compared
Is Mercury MCP worth the price?
Mercury's pricing is generous for basic banking at $0/mo, but the $29.90/mo Plus and $299/mo Pro tiers add modest features for steep jumps, especially with per-transaction and per-user fees.
Compared to other neobanks, the free tier is competitive, but Plus and Pro feel expensive for what they offer beyond standard banking. Best for startups needing simple banking at no cost, but growing teams should watch for hidden costs.
Pricing Plans
Mercury
$0 / mo
- Powerful banking and finance essentials included with every account
- Banking
- Sending and receiving money
- Access to Treasury (unlocked with $250K Mercury balance)
- Company cards
- Expense management
- Invoicing
- Bill pay
Mercury Plus
$29.90 / mo
- Everything you get with a Mercury account
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Reimburse up to 20 users/month (+ $5/additional active user)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Mercury Pro
$299 / mo
- Everything you get with Plus
- Relationship manager
- Invoice with ACH debit ($0/transaction)
- Invoicing API (unlimited invoices created/mo)
- NetSuite categorizations
- Reimburse up to 250 active users (+ $5/additional active user)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
Hidden Costs & Gotchas
ACH debit $1/transaction on Plus tier
$5 per additional active user beyond limits
Treasury requires $250K balance to unlock
Invoicing API capped at 500/month on Plus
Yearly billing discount not specified in data
Which Plan Do You Need?
Bootstrapped startups needing free banking
Small teams with low transaction volume
Scaling companies wanting relationship manager
How Mercury MCP Compares to Competitors
Mercury's free tier undercuts most competitors like Brex or Rho, which often require higher balances or fees for basic features. However, Mercury Plus and Pro are pricier than similar tiers from neobanks like Relay or Lili, especially with per-user and per-transaction add-ons. The value is strongest for startups that can stay on the free plan, but less so for teams needing advanced invoicing or reimbursements.
Mercury MCP Pricing FAQ
How much does Mercury MCP cost?
Mercury MCP starts at $29.9/month on the Mercury Plus plan. It offers 2 paid tiers ranging from $29.9/month up to $299/month. A free plan is also available with limited features.
Does Mercury MCP have a free plan?
Yes. Mercury MCP offers a free plan called "Mercury". It includes: Powerful banking and finance essentials included with every account, Banking, Sending and receiving money.
What is the cheapest Mercury MCP paid plan?
The cheapest paid plan for Mercury MCP is "Mercury Plus" at $29.9/month. Key features include: Everything you get with a Mercury account, Invoice with ACH debit ($1/transaction), Recurring invoices.
Is there a cheaper alternative to Mercury MCP?
Yes. Popular alternatives to Mercury MCP include Brandfolder, MonkeyLearn, Intelligence Node, Evisort. Free alternatives include MonkeyLearn. Compare them side-by-side on Toolradar.
Cheaper alternatives to Mercury MCP
1 of 6 direct competitors below offer a free plan. Per-seat pricing varies up to 60% across this set.
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