| Audyense Score | 74ASSólido | 29AS*Bajo |
| Posicionamiento | Banca empresarial con tarjetas, pago de facturas y facturación para startups | PayPal Payments Pro is a payment processing solution built on PayPal’s technology that enables online merchants and businesses to accept credit card payments online as well a |
| Plan gratuito | Sí | Sí |
| Implementación | Nube / SaaS | Nube / SaaS |
| Mejor encaje | Startup, PYME | Startup, PYME, Mediana empresa |
| Planes de precio | - MercuryFree
- Mercury Plus$24
- Mercury Pro$240
| - Free or entry planFree
- Higher tiersCustom pricing
|
| General ledger & accounting | NoNot a general ledger — syncs transactions to QuickBooks Online, Xero, and NetSuite instead | — |
| Accounts payable & bill pay | SíUnlimited bill pay included on all plans, including the free tier | — |
| AI features | ParcialAI-powered insights and accounting automation assistance; not a core AI product | — |
| Bank reconciliation | ParcialAuto-syncs and categorizes transactions into connected accounting software rather than standalone reconciliation | — |
| Corporate cards | SíIO credit cards with no annual fees plus virtual debit cards on all plans | — |
| Expense management | SíExpense reimbursements and receipt tracking; 5 active users free, more on paid tiers | — |
| Financial reporting | ParcialActivity dashboards and transaction insights; reviewers call reporting basic | — |
| Invoicing & billing | SíCreate, send, and track invoices free; recurring invoices and ACH invoice payments on paid tiers | — |
| Multi-currency | ParcialAccounts hold USD only; international wires supported but no foreign-currency balances | — |
| Public API | SíMercury API including an invoicing API (rate-limited by tier) | — |
| Accept PayPal payments | — | SíDocumented in the independently researched profile. |
| Accept Visa | — | SíDocumented in the independently researched profile. |
| Mastercard and American Express | — | SíDocumented in the independently researched profile. |
| Virtual Terminal | — | SíDocumented in the independently researched profile. |
| Accept payments in 25 currencies from 202 countries | — | SíDocumented in the independently researched profile. |
| Payment Gateway | — | SíDocumented in the independently researched profile. |
| Options to simplify PCI compliance. | — | SíDocumented in the independently researched profile. |
| Integraciones verificadas | 10+ | — |
| Valoración agregada | 4.5 · 121 reviews | 9.5 · No reviews yet |
| Integraciones | QuickBooks OnlineXeroNetSuiteStripeSquareShopify+4 más | — |
| Seguridad y cumplimiento | FDIC insured up to $5M via partner banksSOC 2 Type IIPCI DSS | — |
| Pros | - +Interfaz limpia e intuitiva, con apertura de cuenta rápida y totalmente digital
- +Sin tarifas mensuales, giros en USD y ACH gratuitos en todos los planes, y precios transparentes
- +Sólidas integraciones contables con QuickBooks, Xero y NetSuite que sincronizan las transacciones automáticamente
- +Rendimientos competitivos de Mercury Treasury para depositar el efectivo inactivo de rondas de financiación
| - +Independent review documents a concrete business workflow
- +Documented capability: Accept PayPal payments
- +Documented capability: Accept Visa
- +Documented capability: Mastercard and American Express
- +Documented capability: Virtual Terminal
|
| Contras | - −No es un banco en sí mismo: los reseñadores y los hilos de Reddit informan de congelaciones o cierres repentinos de cuentas durante revisiones de cumplimiento normativo, con explicaciones poco claras
- −No admite depósitos en efectivo: no es adecuada para empresas que manejan dinero físico
- −El soporte es principalmente por email y puede ser lento, con soporte telefónico limitado
- −Las cuentas son solo en USD, por lo que las necesidades de moneda extranjera y los pagos internacionales pueden resultar complicados
| - −Pricing and usage limits should be checked against the exact plan
- −Implementation effort depends on the team's data and process maturity
- −Reported outcomes should be validated with the buyer's own data
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Audyense