Mercury vs Found

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Short version

Mercury fits retail shop, restaurant or café, agency or studio, online store.
Found fits trades or contractor.
Mercury suits teams past ten people.

Compare	MercuryMercury	FoundFound
In one line	Business checking built for online companies	Banking with bookkeeping and tax set-asides for the self-employed
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	No monthly fee; Plus $29.90/mo, Pro $299/mo (billed annually)	Free; Plus $35/mo ($315/yr); Pro $80/mo ($720/yr); 30-day trial on paid plans
Pricing model	Free	Free tier
Free trial	—	30 days
Users	Unlimited	1 owner; team cards
Both connect to	Xero
Also connects to	QuickBooks Online, Puzzle, Kick	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me
Available in	US	US
Phone support	None listed	Plans not stated; Found Plus and up
Live chat	None listed	None listed
Support hours	Not published	Not published
Incidents posted	5 incidents posted on Mercury's status page in the 90 days to Oct 27, 2026; 0 marked major or critical by Mercury. Status page	We found no public status page for Found.
Capterra score	4.9 / 5 from 58 reviews	Not listed
Trustpilot score	3.9 / 5 from 2,876 reviews	4.1 / 5 from 1,774 reviews
Fit: Retail shop	50	35
Fit: Restaurant or café	40	25
Fit: Service business	80	85
Fit: Agency or studio	92	75
Fit: Trades or contractor	55	70
Fit: Online store	90	50
Why people pick it	No fees Clean software and API	Bookkeeping and tax estimates built in Free invoicing
Where it falls short	No cash deposits Not a chartered bank	Built for one-person businesses No payroll
	Visit Mercury	Visit Found

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices