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    Mercury · paying abroad·Updated October 2026

    vsAnytime Capital

    Mercury international payments, compared with local rails in 71 countries

    How Mercury sends money abroad, what it costs and how long it takes, against paying suppliers in their own currency over the rail their bank already uses.

    • Bank account · 71 countries
    • Employee expense cards
    • Payment processing
    • Crypto
    Open a business accountSee pricing

    More about Mercury

    Does Mercury have payment processingDoes Mercury support cryptoMercury fees and pricing in 2026, comparedThe Mercury alternative with payment processing and crypto built inMercury and Stripe, or one account
    anytime-capital.com/dashboard/business/home
    The Anytime Capital business dashboard: revenue, outstanding invoices, customers, wallet balance and a 30-day payments volume chart
    Anytime CapitalBusiness
    •••• •••• •••• 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 does Mercury send international payments?

    Mercury
    Wires
    Anytime Capital
    Local rails in 71+ countries

    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%. Anytime Capital pays on local rails in 71+ countries and 38 currencies (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), in minutes to the same day, with SWIFT for the rest and same-day USDC and USDT transfers.

    Open a business account Mercury vs Anytime Capital, in full

    International payments: Mercury and Anytime Capital, side by side

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

    Category
    Mercury
    Anytime Capital
    How money arrivesInternational wireLocal 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
    Exchange and fees1% FX on non-USD wires; 3% on non-USD card transactionsShown before you send, in the dashboard and on /fees-and-limits
    Speed1–3 business days for non-USD wiresInstant on SEPA Instant, Faster Payments, PIX, SPEI, UPI and PayNow; minutes to same day elsewhere
    Currencies40+ currencies for non-USD wires38 currencies paid locally
    Stablecoin optionNoSame-day USDC and USDT transfers to a supplier's wallet

    Mercury capabilities reflect publicly available information as of October 2026.

    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.

    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

    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

    $50,000

    $
    • 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.

    Anytime Capital

    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 docsVisit a branch

    In detail

    Mercury international payments, compared with local rails in 71 countries

    How Mercury pays abroad

    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's strength is clean, well-designed US-dollar banking for startups, with free ACH and domestic wires and sweep coverage up to $5 million; international payments ride on wires.

    Why local rails beat wires for paying suppliers

    A wire travels through correspondent banks, each of which can take time and a fee, and the recipient's bank often charges to receive it. A local rail is the domestic system the recipient's bank already uses: SEPA Instant in the euro area, Faster Payments in the UK, PIX in Brazil, SPEI in Mexico, UPI in India, PayNow in Singapore and mobile money across much of Africa.

    Paid that way, a supplier in Stuttgart, Guadalajara or Kochi gets euros, pesos or rupees in their own account, often in seconds. Anytime Capital pays 71+ countries this way from the same balance your sales land in.

    A cafe owner reviewing sales on his phone, laptop open beside him
    Paid out instantly, nights and weekends included

    Open a business account

    A few minutes to apply. Most reviews finish within one business day.

    Get started

    Other questions about Mercury

    • Does Mercury have payment processing?
      Only on invoices, through Stripe
      Yes, at 2.75% + 30¢      Read the answer
    • Does Mercury support crypto?
      No
      Yes: stablecoins and 38+ assets      Read the answer
    • How much does Mercury cost?
      $0
      No monthly fee      Read the answer
    • What is the best Mercury alternative?
      Strong at spend
      Spend, sell, pay abroad, crypto      Read the answer
    • Do I need Stripe with Mercury?
      Stripe on invoices
      Both in one account      Read the answer

    Launch offer

    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

    International payments: Mercury FAQ

    How much does Mercury charge for international wires?

    USD wires free (optional $15 for intermediary fees); non-USD wires 1% FX

    Does Mercury charge FX fees?

    1% on non-USD wires; 3% on non-USD card transactions

    Which countries can Anytime Capital pay on local rails?

    71+ countries in 38 currencies, across Europe, the Americas, Asia-Pacific, the Middle East and Africa. The full list, with each country's currency and fastest rail, is on this page.

    Can I pay contractors in stablecoins?

    Yes. Send USDC or USDT to a contractor's wallet the same day, including weekends, from the same balance as your dollars.

    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

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    Mercury vs Anytime Capital by company type

    • Small business
    • Enterprise
    • VC-funded
    • AI companies

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    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.
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