Mercury AI features and pricing (October 2026)

Mercury is a financial platform for US startups and small businesses with business accounts, payments, bill pay and treasury, plus Mercury Books, where AI reads bills, categorizes transactions and drafts journal entries.

Mercury offers business checking and savings, free ACH transfers and domestic wires, cards, invoicing, bill pay with approvals and Mercury Treasury for balances of $250,000 or more. Mercury Books adds accounting built into the account, free through 2026 and then $35 per month.

Mercury is a fintech company, not a bank. Banking services come from Choice Financial Group and Column N.A. Under its terms, accounts are open to legal entities formed and registered in the United States, or in another jurisdiction if Mercury and its banking providers authorize it. The company states that more than 300,000 entrepreneurs use Mercury.

• Reads incoming billsWhen a bill arrives in the bill inbox, AI extracts its details and populates the payment, and Mercury automatically flags duplicate bills. Founders and bookkeepers type in less invoice data and avoid paying the same invoice twice.
• Categorizes and reconcilesMercury Books automatically categorizes activity from banking, cards, invoicing and bill pay and reconciles accounts in real time. Small finance teams keep the books current during the month instead of catching up before the tax adviser or investor update.
• Drafts entries on requestThe Command AI agent writes journal entries, organizes the chart of accounts, categorizes transactions in bulk and answers questions on spend, trends and GL codes from account data. Teams without a full-time accountant get routine bookkeeping tasks done faster.

• Keeps accounts, payments, bill pay and bookkeeping in one place, with accounting built into the account.
• Offers a $0 base plan; Mercury Books is free through 2026.
• Is built for US entities; companies from other jurisdictions need approval from Mercury, so it suits US startups more than international groups.

Under its terms, Mercury accepts legal entities formed and registered in the United States, or in other jurisdictions only if Mercury and its banking providers authorize them; banking services come from the US partner banks Choice Financial Group and Column N.A.

Mercury accounts are open to entities formed in the United States or in jurisdictions Mercury authorizes, so it fits US subsidiaries or startups better than European parent companies. Check deposit coverage through the partner banks and sweep networks, which Mercury states at up to $5 million, and how Mercury Books exports to your tax adviser or ERP. Ask how SSO and user roles work, since the pricing page does not list them.

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