Mercury alternativeUpdated October 2026

The Mercury alternative with payment processing and crypto built in

Mercury is startup banking: US-dollar accounts with free ACH and domestic wires, treasury, and debit and credit cards. If what you need is a bank account that also takes payments, pays suppliers abroad in their currency and handles crypto, here is the alternative, and an honest note on when to stay.

Open a business account See pricing

More about Mercury

Does Mercury have payment processing Does Mercury support crypto Mercury international payments, compared with local rails in 71 countries Mercury fees and pricing in 2026, compared Mercury and Stripe, or one account

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Payout delivered€8,420.00 · SEPA Instant · 9s

3D Secure confirmed $384.00 approved · paid out

countries paid in local currency: 71countries paid in local currency
payout currencies: 38payout currencies
per card or wallet payment: 2.75% + 30¢per card or wallet payment
instant payouts to your account: 24/7instant payouts to your account

The short answer

What is the best Mercury alternative?

Mercury: Strong at spend
Anytime Capital: Spend, sell, pay abroad, crypto

For a business account that does what Mercury does not, Anytime Capital: payment processing at 2.75% + 30¢, payouts on local rails in 71+ countries, employee expense cards and crypto on one balance. If Mercury's clean, well-designed US-dollar banking for startups, with free ACH and domestic wires and sweep coverage up to $5 million is what you rely on, keep it, and add Anytime Capital beside it.

Open a business account Mercury vs Anytime Capital, in full

Mercury alternative: Mercury and Anytime Capital, side by side

Row by row, from Mercury's own published pages and ours.

Category	Mercury	Anytime Capital
What Mercury does best	clean, well-designed US-dollar banking for startups, with free ACH and domestic wires and sweep coverage up to $5 million	A business bank account with payments, cards, global payouts and crypto on one balance
Take payments	On invoices only, through Stripe at Stripe's rates (2.9% + 30¢); no Mercury fee on top	Built in: cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), paid out instantly into your Anytime Capital bank account
Pay abroad	USD wires free; non-USD wires carry a 1% FX fee in 40+ currencies and take 1–3 business days	Local rails in 71+ countries and 38 currencies (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), plus SWIFT and same-day stablecoin transfers
Crypto	None: Mercury accounts can currently only hold fiat	Get paid in USDC and USDT by payment request, hold and send them, and buy and sell 38+ assets at desk-quoted rates
Who it is for	Digital application built for startups	Sole proprietors to enterprises; most applications approved the same day
Talk to a person	Digital support	A live US business team by phone, chat and email, and branches in Atlanta, Miami and Houston

Mercury capabilities reflect publicly available information as of October 2026.

One platform

What you get with Anytime Capital instead of Mercury

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Employee expense cards

Cards your team can use today, with controls you set once

Issue physical and virtual cards from the same balance your sales land in. Every card has a privacy button, a freeze switch and its own limit, and goes straight into Apple Pay and Google Pay.

See expense cards

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Exp

••/••

CVV

•••

Details stay masked until the cardholder taps Show.

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

Payouts in local currency

71 countries. 38 currencies. One bank account.

Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.

countries on local rails: 71countries on local rails
currencies: 38currencies
countries with instant rails: 36countries with instant rails

Europe33 countries

AustriaEURInstant
BelgiumEURInstant
BulgariaEURInstant
CroatiaEURInstant
CyprusEURInstant
CzechiaEURInstant
DenmarkEUR · DKKInstant
EstoniaEURInstant
FinlandEURInstant
FranceEURInstant
GermanyEURInstant
GreeceEURInstant
HungaryEURInstant
IcelandEURInstant
IrelandEURInstant
ItalyEURInstant
LatviaEURInstant
LiechtensteinEURInstant
LithuaniaEURInstant
LuxembourgEURInstant
MaltaEURInstant
NetherlandsEURInstant
NorwayEURInstant
PolandEURInstant
PortugalEURInstant
RomaniaEURInstant
SlovakiaEURInstant
SloveniaEURInstant
SpainEURInstant
SwedenEURInstant
SwitzerlandEURInstant
TürkiyeTRYBank transfer
United KingdomGBPInstant

Americas8 countries

BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant

Asia-Pacific11 countries

BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer

Middle East & Africa19 countries

BeninXOFMobile money
BotswanaBWPMobile money
CameroonXAFMobile money
Congo - BrazzavilleXAFMobile money
Côte d’IvoireXOFMobile money
EgyptEGPBank transfer
GhanaGHSBank transfer
IsraelILSBank transfer
KenyaKESMobile money
MalawiMWKMobile money
NigeriaNGNBank transfer
RwandaRWFMobile money
SenegalXOFMobile money
South AfricaZARBank transfer
TanzaniaTZSMobile money
TogoXOFMobile money
UgandaUGXMobile money
United Arab EmiratesAEDBank transfer
ZambiaZMWMobile money

SEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.

MCP connection

Let your AI agent run payments, with a key you can revoke

Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Integrations

Works with the tools you already run on

AI assistants, accounting, your website and the wallets in your customers' pockets.

Accounting

Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.

QuickBooks OnlineFormatted export
XeroFormatted export

Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file

See reporting

Wallets

Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

Apple PayAccept & spend
Google PayAccept & spend

See payment methods

Built for AI-written code

Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.

ChatGPTllms-full.txt
ClaudeOpen in Claude
GeminiMarkdown docs
PerplexityMarkdown docs
MistralMarkdown docs

Docs for AI assistants

Any website

Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.

WordPressPay button
WebflowInline checkout
SquarespaceCode block
WixPay link

See website checkout

Branches

Bank from your phone, or walk into a branch

Real people at real counters in Atlanta, Miami and Houston, for account opening, cash, larger crypto orders and anything you would rather sort out face to face.

All branches

Opening next:Nashville Chicago London Sydney

There's no better place to bank than Anytime Capital.

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Open a business account Read the docs Visit a branch

In detail

The Mercury alternative with payment processing and crypto built in

When to stay with Mercury

Mercury's strength is clean, well-designed US-dollar banking for startups, with free ACH and domestic wires and sweep coverage up to $5 million. Mercury describes itself as a fintech company, not an FDIC-insured bank, with banking services through Choice Financial Group and Column N.A.; the OCC conditionally approved Mercury Bank, N.A. in April 2026, with FDIC and Federal Reserve approvals pending. If that is the job, it does it well. Many startups keep Mercury for dollars and add Anytime Capital for card payments, payouts abroad and crypto, moving money between them by ACH, wire or RTP.

When to switch

Switch when the account has to earn as well as spend. Mercury invoices can be paid by ACH or wire for free, and by card, Apple Pay or Google Pay through Stripe at Stripe's rates (2.9% + 30¢ on a domestic card), with no Mercury fee on top; ACH debit on invoices costs $1 on Plus and nothing on Pro. We found no card-acquiring product of Mercury's own beyond that. Mercury's crypto page says its accounts can currently only hold fiat. There are no stablecoin balances, no crypto trading and no on-chain payments.

Anytime Capital puts the bank account, Anytime Capital Payments at 2.75% + 30¢, employee expense cards with a privacy button and temporary cards, payouts on local rails in 71+ countries and a crypto desk on one balance, with a live US team and branches you can walk into.

Moving over in a week

Open the account and finish verification (most complete applications are approved the same day), move your payment links and invoices across, point your website's Pay button at your new checkout, issue cards to the team, and switch your supplier payouts to local rails. Our business team helps move links, invoices and customers from your old provider.

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.

Claim 2.5% + 30¢See pricing

2.75% + 30¢ online, 2.5% + 30¢ for 90 days
No monthly, setup or PCI fees
Payouts to your bank, instant where eligible
Live US business team

Mercury alternative: Mercury FAQ

Is Anytime Capital a good Mercury alternative?

If you need payment processing, payouts on local rails or crypto, yes: Mercury does not offer card processing of its own (invoices use Stripe), and Anytime Capital does all three from one balance.

Can I use Mercury and Anytime Capital together?

Many startups keep Mercury for dollars and add Anytime Capital for card payments, payouts abroad and crypto, moving money between them by ACH, wire or RTP.

How long does switching take?

Most businesses are approved the same day and move their payment links, invoices and card spend within a week, with our business team's help.

Is Anytime Capital a bank?

No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners.

The same question about other platforms

Mercury vs Anytime Capital by company type

Explore More

Important Disclosures

Information about Mercury is based on publicly available data as of October 2026. Features, policies and product availability may have changed since.
This comparison is provided for informational purposes and does not constitute financial, investment, tax, or legal advice.
Anytime Capital and Mercury are independent companies. This page is not endorsed by, affiliated with, or sponsored by Mercury. All third-party names, logos and trademarks are the property of their respective owners and are used here only to identify the company being compared or the services we work with.
Cryptocurrency is not FDIC insured and its value can fall as well as rise. Digital assets are not deposits.
Identity and business verification are required to open an account. Additional review may be required for certain transaction types or volumes.
Dashboard screenshots show a demonstration business with sample data.
Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.
Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.

What is the best Mercury alternative?

Mercury

Strong at spend

Anytime Capital

Spend, sell, pay abroad, crypto

Mercury alternative: Mercury and Anytime Capital, side by side

Row by row, from Mercury's own published pages and ours.

Category	Mercury	Anytime Capital
What Mercury does best	clean, well-designed US-dollar banking for startups, with free ACH and domestic wires and sweep coverage up to $5 million	A business bank account with payments, cards, global payouts and crypto on one balance
Take payments	On invoices only, through Stripe at Stripe's rates (2.9% + 30¢); no Mercury fee on top	Built in: cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), paid out instantly into your Anytime Capital bank account
Pay abroad	USD wires free; non-USD wires carry a 1% FX fee in 40+ currencies and take 1–3 business days	Local rails in 71+ countries and 38 currencies (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), plus SWIFT and same-day stablecoin transfers
Crypto	None: Mercury accounts can currently only hold fiat	Get paid in USDC and USDT by payment request, hold and send them, and buy and sell 38+ assets at desk-quoted rates
Who it is for	Digital application built for startups	Sole proprietors to enterprises; most applications approved the same day
Talk to a person	Digital support	A live US business team by phone, chat and email, and branches in Atlanta, Miami and Houston

Mercury capabilities reflect publicly available information as of October 2026.

The Mercury alternative with payment processing and crypto built in

When to stay with Mercury

When to switch

Moving over in a week

Mercury alternative: Mercury FAQ

Is Anytime Capital a good Mercury alternative?

If you need payment processing, payouts on local rails or crypto, yes: Mercury does not offer card processing of its own (invoices use Stripe), and Anytime Capital does all three from one balance.

Can I use Mercury and Anytime Capital together?

Many startups keep Mercury for dollars and add Anytime Capital for card payments, payouts abroad and crypto, moving money between them by ACH, wire or RTP.

How long does switching take?

Most businesses are approved the same day and move their payment links, invoices and card spend within a week, with our business team's help.

Is Anytime Capital a bank?

No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners.

The Mercury alternative with payment processing and crypto built in

More about Mercury

What is the best Mercury alternative?

Mercury alternative: Mercury and Anytime Capital, side by side

What you get with Anytime Capital instead of Mercury

Cards your team can use today, with controls you set once

A complete payments stack, from your website to your bank account

Your website

Checkout

3D Secure

Risk rules

Instant payout