Mercury vs Relay
Two online business bank accounts, both with a $0 plan and paid plans above it.
Updated Oct 23, 2026. Prices are copied from each vendor's pricing page on the date shown. Software reviews only, not financial or accounting advice.
At a glance
| Mercury | Relay | |
|---|---|---|
| What it does | Business banking with cards, bill pay, invoicing and expense tools, plus Mercury Books (accounting) and Mercury Payroll add-ons. | Business checking with multiple checking accounts, cards, bill pay, multi-step approval rules and bookkeeping automations. |
| Published price | Mercury $0/month. Plus $29.90/month. Pro $299/month. Add-ons: Mercury Books $35/month and Mercury Payroll $100/month + $50 per person paid, both waived until Dec 31, 2026.Vendor pricing page, checked | Starter $0/month. Grow $30/month. Scale $90/month (shown discounted from $120).Vendor pricing page, checked |
| Pricing | Free plan | Free plan |
| Works with | None listed in our review | None listed in our review |
| Our rankings | ||
| Website | mercury.com | relayfi.com |
| Visit Mercury | Visit Relay |
Mercury
- What it does
- Business banking with cards, bill pay, invoicing and expense tools, plus Mercury Books (accounting) and Mercury Payroll add-ons.
- Published price
- Mercury $0/month. Plus $29.90/month. Pro $299/month. Add-ons: Mercury Books $35/month and Mercury Payroll $100/month + $50 per person paid, both waived until Dec 31, 2026.Vendor pricing page, checked
- Pricing
- Free plan
- Works with
- None listed in our review
- Our rankings
- Website
- mercury.com
Relay
- What it does
- Business checking with multiple checking accounts, cards, bill pay, multi-step approval rules and bookkeeping automations.
- Published price
- Starter $0/month. Grow $30/month. Scale $90/month (shown discounted from $120).Vendor pricing page, checked
- Pricing
- Free plan
- Works with
- None listed in our review
- Our rankings
- Website
- relayfi.com
Which one to pick
Our verdict on each, from its review.
Mercury
Best online banking for startups and online businesses that want bill pay and books in the bank.
Relay
Best for owners who like to split cash across several accounts with approvals on spending.
Where they rank
Rankings that include more than one of these tools. Position is in the full ranking.
- Best online business bank accounts with bill payNo. 1 Mercury · No. 2 Relay