Mercury · feesUpdated October 2026

Mercury fees and pricing in 2026, compared

Every fee Mercury publishes that a business runs into, line by line, from Mercury's own pricing and support pages as of October 2026, and what the same work costs with Anytime Capital.

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 The Mercury alternative with payment processing and crypto built in 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

How much does Mercury cost?

Mercury: $0
Anytime Capital: No monthly fee

$0; Plus $35 a month; Pro $350 a month ($29.90 and $299 with annual billing). Domestic: Free ACH and domestic wires. International: USD wires free (optional $15 for intermediary fees); non-USD wires 1% FX. FX: 1% on non-USD wires; 3% on non-USD card transactions. Card processing: on invoices only, through stripe at stripe's rates (2.9% + 30¢); no mercury fee on top. Anytime Capital charges no monthly, setup or PCI fee on payments, 2.75% + 30¢ per card or wallet payment (2.5% + 30¢ for the first 90 days) and custom pricing from $1M+ a year.

Open a business account Mercury vs Anytime Capital, in full

Fees and pricing: Mercury and Anytime Capital, side by side

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

Category	Mercury	Anytime Capital
Plans	$0; Plus $35 a month; Pro $350 a month ($29.90 and $299 with annual billing)	No monthly, setup or PCI fee on payments; custom pricing at $1M+ a year
Card processing	2.9% + 30¢ through Stripe on invoices ($3.20 on $100)	2.75% + 30¢ (2.5% + 30¢ for the first 90 days)
Domestic transfers	Free ACH and domestic wires	RTP and FedNow in seconds, same-day wire and ACH
International	USD wires free (optional $15 for intermediary fees); non-USD wires 1% FX	Local rails in 71+ countries plus SWIFT
FX	1% on non-USD wires; 3% on non-USD card transactions	Shown before you send; payout fees on /fees-and-limits
Getting paid instantly	Depends on the processor (Stripe: 1.5% per Instant Payout)	No fee: sales settle into your account, 24/7
Eligibility	Digital application built for startups	Most complete applications approved the same day; no funding requirement

Mercury capabilities reflect publicly available information as of October 2026.

Save and earn more

Keep more of every sale, and get it the same minute

Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

Fee calculator

Monthly card volume

$50,000

Average sale

Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
PayPal · PayPal Checkout3.49% + 49¢$2,033
Square · Free plan3.3% + 30¢$1,826
Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
Stripe2.9% + 30¢$1,626
Shopify Payments · Basic plan2.9% + 30¢$1,626
Authorize.net · All-in-One plan2.9% + 30¢$1,626
Braintree2.89% + 29¢$1,616
Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
Anytime Capital2.75% + 30¢$1,551
QuickBooks Payments · Invoices and online2.99%$1,495

Saved per year

up to $5,781

vs the highest processor rate above

First 90 days at 2.5% + 30¢

$1,426 instead of $1,551

Claim the launch offer

Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.

0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.

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.

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

Mercury fees and pricing in 2026, compared

What Mercury charges, and for what

Mercury is startup banking: US-dollar accounts with free ACH and domestic wires, treasury, and debit and credit cards. Its plans: $0; Plus $35 a month; Pro $350 a month ($29.90 and $299 with annual billing). USD international wires are free (with an optional $15 to cover intermediary fees). Non-USD wires carry a 1% FX fee across 40+ currencies and take one to three business days, and non-USD card transactions carry 3%.

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.

The fee most comparisons leave out: taking payments

A business account comparison usually stops at monthly plans and wires. If you sell, the biggest line is card processing. 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. At $50,000 a month in $100 sales, Stripe's published 2.9% + 30¢ comes to $1,450.30 a month; Anytime Capital's 2.75% + 30¢ comes to $1,375.30.

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

Fees and pricing: Mercury FAQ

Is Mercury free?

$0; Plus $35 a month; Pro $350 a month ($29.90 and $299 with annual billing).

What are Mercury's wire fees?

Domestic: Free ACH and domestic wires. International: USD wires free (optional $15 for intermediary fees); non-USD wires 1% FX.

What does Anytime Capital charge?

No monthly, setup or PCI fee on payments; 2.75% + 30¢ per card or wallet payment with 2.5% + 30¢ for the first 90 days; custom pricing from $1M+ a year. Payout and crypto fees are shown before you confirm and listed on /fees-and-limits.

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.

How much does Mercury cost?

Mercury

Anytime Capital

No monthly fee

Fees and pricing: Mercury and Anytime Capital, side by side

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

Category	Mercury	Anytime Capital
Plans	$0; Plus $35 a month; Pro $350 a month ($29.90 and $299 with annual billing)	No monthly, setup or PCI fee on payments; custom pricing at $1M+ a year
Card processing	2.9% + 30¢ through Stripe on invoices ($3.20 on $100)	2.75% + 30¢ (2.5% + 30¢ for the first 90 days)
Domestic transfers	Free ACH and domestic wires	RTP and FedNow in seconds, same-day wire and ACH
International	USD wires free (optional $15 for intermediary fees); non-USD wires 1% FX	Local rails in 71+ countries plus SWIFT
FX	1% on non-USD wires; 3% on non-USD card transactions	Shown before you send; payout fees on /fees-and-limits
Getting paid instantly	Depends on the processor (Stripe: 1.5% per Instant Payout)	No fee: sales settle into your account, 24/7
Eligibility	Digital application built for startups	Most complete applications approved the same day; no funding requirement

Mercury capabilities reflect publicly available information as of October 2026.

Mercury fees and pricing in 2026, compared

What Mercury charges, and for what

The fee most comparisons leave out: taking payments

Fees and pricing: Mercury FAQ

Is Mercury free?

$0; Plus $35 a month; Pro $350 a month ($29.90 and $299 with annual billing).

What are Mercury's wire fees?

Domestic: Free ACH and domestic wires. International: USD wires free (optional $15 for intermediary fees); non-USD wires 1% FX.

What does Anytime Capital charge?

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.

Mercury fees and pricing in 2026, compared

More about Mercury

How much does Mercury cost?

Fees and pricing: Mercury and Anytime Capital, side by side

Keep more of every sale, and get it the same minute

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

Your website

Checkout

3D Secure

Risk rules

Instant payout