Mercury vs. Revolut Business

Last verified 32 days ago · 15 sources · Updated automatically

Mercury and Revolut Business compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.

Mercury

Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.

Founded2017

HQ San Francisco, CA

Visit Mercury Full profile

Revolut Business

Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.

Founded2015

HQ London, United Kingdom

Visit Revolut Business Full profile

Attribute

Mercury

Revolut Business

Company facts

Headquarters

San Francisco, CA

London, United Kingdom Global Group operating HQ in London. US entity (Revolut Technologies Inc.) is in New York, NY.

Employees

1k Mercury states 1,000+ employees

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Pricing

Starting Monthly Price (USD)

$0 Free Mercury plan; IO card has no annual fee and no per-user software charge

$10 Basic plan, $10/user/mo (US). No free plan in the US; Basic is the cheapest tier.

Paid Tier Price (USD/user/mo)

$29.9 Mercury Plus, $29.90/mo (or $23.95/mo billed annually)

$40 Grow plan, $40/mo (US) — first step up from Basic, adds custom approvals, analytics, Business API.

Card & limits

Card Type

charge card Cash-underwritten charge card; balance paid off each pay period

debit US cards are prepaid, drawn from the Revolut Business account balance.

Card Network

Mastercard

Visa or Mastercard US prepaid cards offered on both Visa and Mastercard (Revolut Prepaid Visa / Revolut Prepaid Mastercard), issued by Lead Bank.

No Personal Guarantee

No personal guarantee and no personal credit check

Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.

Limit Basis

account balance Cash-underwritten: IO balance cannot exceed cash held with Mercury (linked external balances may add headroom)

account balance Spending is funded by and limited to the available Revolut Business account balance (prepaid/debit).

Virtual Cards

Issue physical or virtual cards to the team; start spending immediately with virtual cards

Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.

No Foreign Transaction Fees

3% currency conversion fee on non-USD IO transactions

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Rewards & cash back

Rewards Model

flat cash back Unlimited 1.5% cashback on all spend, auto-deposited

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Flat Cash-Back Rate

1.5%

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Spend management

Receipt Capture & Matching

Upload/email receipts and Mercury auto-matches them to the right transaction

AI receipt capture (photo/email) with OCR auto-fill and auto-matching to transactions, up to 98% match accuracy. Expense add-on, extra cost on all plans.

Approval Workflows & Policies

Company-wide spend policies plus multi-layered approval rules for bill pay

Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above.

Employee Reimbursements

Out-of-pocket reimbursements; 5 active users/mo free, more on paid tiers

Built-in out-of-pocket reimbursements with receipts and instant payouts, plus a mileage-claims tool. Part of the Expenses add-on (extra per-member fee).

Bill Pay / AP

Free unlimited bill pay via ACH, domestic/international wire, or check

US: pay suppliers, vendors and subscriptions via virtual company cards. Dedicated Revolut BillPay / AP invoice payment is not confirmed for the US (appears only on UK/global pages).

Security & compliance

SOC 2

SOC 2 Type II

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Platform & integrations

Accounting / ERP Sync

Native sync to QuickBooks, Xero, and NetSuite

Native sync to QuickBooks, Xero, NetSuite, Sage Intacct, FreeAgent, Dynamics 365 Business Central, Odoo, Zoho Books and more; on all plans.

Public API

Public REST API — balances, transactions, ACH transfers; plus Accounts Receivable/invoicing API

Public Business API (REST) for cards, transactions, payments; documented at developer.revolut.com. Available on Grow plan and above.

The verdict

Mercury

Best for free, no-fee spend with cashback and bill pay

Mercury starts at $0/mo against Revolut's $10/user/mo (no US free plan), and its charge card earns 1.5% flat cashback. Approval workflows, free unlimited ACH/wire/check bill pay, and the public API are included at no tier gate, where Revolut limits its Business API and custom approvals to the $40 Grow plan.

Full profile

Revolut Business

Best for granular virtual-card controls and broad accounting sync

Revolut issues up to 50 virtual cards per member with per-card spend, category, and country limits, beyond Mercury's basic virtual cards. Cards come on Visa or Mastercard versus Mercury's Mastercard-only, and accounting sync spans Sage Intacct, FreeAgent, Dynamics 365, Odoo, and Zoho Books on top of the QuickBooks/Xero/NetSuite both share.

Full profile

Sources · 15 verified references

en.wikipedia.org help.revolut.com mercury.com revolut.com support.mercury.com

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