Mercury vs Ramp
Choose Mercury if business checking and savings are the center of your financial workflow; choose Ramp if cards, expenses, travel, and purchasing controls are the center of it. Both publish free plans with banking, bill pay, invoicing, and accounting integrations, so the deciding question is which workflows your team needs to manage most closely.
Last updated October 24, 2026.
At a glance
| Dimension | Mercury | Ramp |
|---|---|---|
| Core offering | Business banking and financial workflows | Cards, expenses and finance automation |
| Travel booking | Not published | Flights, hotels and car rentals |
| Procurement | Not published | Advanced workflows as a paid add-on |
| Business accounts | Checking and savings through partner banks | FDIC-insured checking through a partner bank |
| Treasury access | Eligible with over $250,000 in Mercury accounts | Investment Account on the Free plan |
| Free plan | $0/month | $0/month/user |
| Published paid pricing | Plus $29.90/month; Pro $299/month, billed annually | Plus $15/month/user plus a platform fee |
| Accounting integrations | QuickBooks Online, Xero; NetSuite bank feed | QuickBooks Online, Xero; more ERPs on Plus |
| Recurring invoicing | Plus and Pro | Accounts Receivable add-on |
| Free-plan reimbursement limit | Up to 5 active users per month | Not available |
| Platforms | Web, iOS and Android | Web, iOS and Android |
| Support | Email or dashboard; priority on paid plans | 24/7 chat; phone on paid plans |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Mercury if
- Businesses making checking and savings their starting point
- Teams sending invoices and paying bills from their business accounts
- Companies seeking Treasury access with an eligible Mercury balance
- Teams that prefer a published plan price over per-user Plus pricing
Choose Ramp if
- Teams managing frequent employee card spending
- Companies that want travel booking in their finance platform
- Finance teams building procurement and purchase-order workflows
- Organizations needing advanced ERP integrations or multi-entity controls
The verdict
Pick Mercury when you want business accounts, payments, and invoicing in the same platform, with paid options for more advanced workflows. Pick Ramp when travel booking, procurement workflows, and controls across employee spending matter more. Compare paid-plan costs against your team size: Mercury publishes plan prices, while Ramp Plus charges per user plus a platform fee.
Mercury vs Ramp: common questions
- Is Mercury or Ramp free?
- Both publish a free plan. Mercury lists business banking and essential tools at $0 per month; Ramp lists Free at $0 per month per user. Some features and transactions have separate fees.
- How much do the paid plans cost?
- Mercury displays annual-billing prices of $29.90 per month for Plus and $299 per month for Pro. Ramp lists Plus at $15 per month per user plus a platform fee based on team size; Enterprise pricing is custom.
- Can both Mercury and Ramp provide business banking?
- Yes. Mercury offers business checking and savings through partner banks. Ramp offers an FDIC-insured checking account through a partner bank. Neither company is itself a bank.
- Which product supports travel booking?
- Ramp lists flight, hotel, and car-rental booking on its Free plan. Mercury does not publish a comparable travel-booking feature on its pricing page.
- Do Mercury and Ramp integrate with NetSuite?
- Mercury includes a NetSuite bank-feed connection and lists enriched NetSuite categorizations on Pro. Ramp lists NetSuite integration on Plus, while its Free plan lists QuickBooks Online and Xero.
- Does Mercury or Ramp offer procurement tools?
- Ramp lists advanced intake, purchase-order tracking, and three-way matching in a procurement add-on for Plus or Enterprise. Mercury does not publish a comparable procurement offering on its pricing page.
- Are there minimum balances for treasury products?
- Mercury says Treasury access requires more than $250,000 across Mercury accounts. Ramp lists an Investment Account on its Free plan and says its banking offering has no minimum deposits; investments are not FDIC-insured and can lose value.
- Can I use either product on my phone?
- Yes. Mercury and Ramp both publish iOS and Android apps, as well as web access. Ramp says it does not offer a native desktop app.