Mercury vs Lili

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

Compare	MercuryMercury	LiliLili
In one line	Business checking built for online companies	Business checking with accounting and invoicing on the paid plans
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	No monthly fee; Plus $29.90/mo, Pro $299/mo (billed annually)	Core $0/mo; Pro $15/mo; Smart $35/mo (accounting, invoicing); Premium $55/mo; intro discounts for 3 months
Pricing model	Free	Free tier
Free trial	—	—
Users	Unlimited	1 owner
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle, Kick	No others on record50+ listed by the vendor
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
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 Lili.
Capterra score	4.9 / 5 from 58 reviews	Not listed
Trustpilot score	3.9 / 5 from 2,876 reviews	4.7 / 5 from 4,481 reviews
Fit: Retail shop	50	40
Fit: Restaurant or café	40	30
Fit: Service business	80	82
Fit: Agency or studio	92	72
Fit: Trades or contractor	55	72
Fit: Online store	90	55
Why people pick it	No fees Clean software and API	Free core account Books and invoices in the banking app
Where it falls short	No cash deposits Not a chartered bank	Paid tiers add up Thin for teams
	Visit Mercury ↗	Visit Lili ↗

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