Mercury vs Relay

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

Compare	MercuryMercury	RelayRelay Financial
In one line	Business checking built for online companies	Checking with up to 20 accounts for envelope budgeting
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	No monthly fee; Plus $29.90/mo, Pro $299/mo (billed annually)	Starter free (20 checking accounts); Grow $30/mo adds approval rules and recurring invoices; Scale $120/mo ($90 limited-time) adds free same-day ACH and 50 accounts
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle, Kick	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	None listed	Scale only
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 Relay Financial.
Capterra score	4.9 / 5 from 58 reviews	Not listed
Trustpilot score	3.9 / 5 from 2,876 reviews	4.3 / 5 from 3,805 reviews
Fit: Retail shop	50	75
Fit: Restaurant or café	40	75
Fit: Service business	80	85
Fit: Agency or studio	92	70
Fit: Trades or contractor	55	85
Fit: Online store	90	70
Why people pick it	No fees Clean software and API	20 accounts for budgeting Cash deposits via ATM
Where it falls short	No cash deposits Not a chartered bank	No lending products
	Visit Mercury ↗	Visit Relay ↗

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