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    Platform comparison·Updated October 2026

    vsAnytime Capital

    Mercury vs Anytime Capital

    Mercury is clean, well-designed US-dollar banking for startups, with free domestic wires. Its accounts hold fiat only, and card payments on its invoices run through Stripe at Stripe's rates. This page compares the two honestly, including where Mercury is the better answer, and where Anytime Capital's payments, global payouts and crypto do the job instead.

    • Bank account · 71 countries
    • Employee expense cards
    • Payment processing
    • Crypto
    Open a business accountSee pricing

    Jump to your company

    Small businessEnterpriseVC-fundedAI companies
    anytime-capital.com/dashboard/business/home
    The Anytime Capital business dashboard: revenue, outstanding invoices, customers, wallet balance and a 30-day payments volume chart
    Anytime CapitalBusiness
    •••• •••• •••• 4821

    Cardholder

    Maya Chen

    Payout delivered€8,420.00 · SEPA Instant · 9s
    3D Secure confirmed $384.00 approved · paid out
    countries paid in local currency
    71countries paid in local currency
    payout currencies
    38payout currencies
    per card or wallet payment
    2.75% + 30¢per card or wallet payment
    instant payouts to your account
    24/7instant payouts to your account

    The short answer

    Choose Mercury if

    • Startups that want clean, well-designed US-dollar banking with free ACH and free domestic wires.
    • Founders who want deposits swept across partner banks for up to $5M in FDIC coverage, plus a treasury product.
    • Teams that want a simple $0 plan with paid tiers ($35 and $350 a month) for more automation.

    Choose Anytime Capital if

    • You want one bank account that also pays suppliers in 71 countries, in their own currency
    • Your team needs expense cards with a privacy button, temporary cards, and Apple Pay and Google Pay
    • You take card payments online or in person and want them paid out instantly, at 2.75% + 30¢
    • You accept, hold or pay in crypto and stablecoins next to your dollars
    • You want an AI agent to create payment links and invoices for you over MCP

    Mercury vs Anytime Capital, side by side

    Row by row, from Mercury's own published pages and ours.

    Category
    Mercury
    Anytime Capital
    Domestic wires and ACHFree ACH and domestic wiresRTP and FedNow in seconds, same-day wire and ACH, from the same balance as your sales
    Deposit coverageSweep networks for up to $5M across up to 20 banksA business bank account in the company's name; banking services provided by licensed partners
    Accepting card paymentsOn invoices, through Stripe at Stripe's rates (2.9% + 30¢); no Mercury feeBuilt in: Anytime Capital Payments at 2.75% + 30¢ per card or wallet payment (2.5% + 30¢ for your first 90 days), no monthly fee, paid out to your bank, instant where eligible
    Paying abroadInternational wires; 1% FX on non-USD wires in 40+ currencies, 1–3 business daysUSDC and USDT from your business wallet today; local rails in 71+ countries (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money) plus SWIFT, from the same balance
    StablecoinsNone: accounts can currently only hold fiatGet paid in USDC and USDT at checkout straight to your own business wallet, hold them, send them to suppliers and contractors the same day, or sell them for dollars
    CryptoNot offered38+ assets at desk-quoted rates, a free non-custodial wallet, and same-day settlement back to dollars
    CardsDebit and credit cards; 3% FX on non-USD card transactionsPhysical and virtual employee expense cards from the same balance: a privacy button that masks card details, temporary cards, one-tap freeze, limits per person, team or merchant, and Apple Pay and Google Pay; not a full expense-policy suite
    Plans$0; Plus $35 a month; Pro $350 a month (lower with annual billing)Payments with no monthly, setup or PCI fees; custom pricing at $1M+ a year
    OnboardingDigital application built for startupsMost complete business applications are approved the same day; no waitlist and no funding requirement
    One balance for everythingUS-dollar banking and treasury; card processing through StripePayments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

    Mercury capabilities reflect publicly available information as of October 2026.

    What people ask about Mercury

    • Does Mercury have payment processing?
      Only on invoices, through Stripe
      Yes, at 2.75% + 30¢      Read the answer
    • Does Mercury support crypto?
      No
      Yes: stablecoins and 38+ assets      Read the answer
    • How does Mercury send international payments?
      Wires
      Local rails in 71+ countries      Read the answer
    • How much does Mercury cost?
      $0
      No monthly fee      Read the answer
    • What is the best Mercury alternative?
      Strong at spend
      Spend, sell, pay abroad, crypto      Read the answer
    • Do I need Stripe with Mercury?
      Stripe on invoices
      Both in one account      Read the answer

    One platform

    What you get with Anytime Capital instead of Mercury

    A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

    Operating account

    Available

    $482,310.55

    Account
    •••• 4821
    Routing
    •••• 0371
    Receive by
    ACH · Wire · RTP · FedNow
    • Weber FeinmechanikSEPA Instant€8,420.00Sending
    • Textiles OrtizSPEIMX$184,300Sending
    • Mehta Spice TradersUPI₹695,000Sending

    Receive by ACH, wire, RTP and FedNow in your business's own name

    Pay suppliers and contractors in 71 countries over the rail their bank already uses

    SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

    Card sales land in the same balance the minute they settle

    See the bank account

    Employee expense cards

    Cards your team can use today, with controls you set once

    Issue physical and virtual cards from the same balance your sales land in. Every card has a privacy button, a freeze switch and its own limit, and goes straight into Apple Pay and Google Pay.

    See expense cards
    Anytime CapitalBusiness
    •••• •••• •••• 4821

    Cardholder

    Maya Chen

    Exp

    ••/••

    CVV

    •••

    Details stay masked until the cardholder taps Show.

    Payment processing

    A complete payments stack, from your website to your bank account

    Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

    1. Your website

      A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.

    2. Checkout

      Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.

      • AMEX
      • ACH

    3. 3D Secure

      Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.

    4. Risk rules

      Block card countries, cap amounts and decline high-risk scores before the card is charged.

    5. Instant payout

      Settled sales land in your Anytime Capital bank account, nights and weekends included.

    Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

    3D Secure and risk rules, in the dashboard

    anytime-capital.com/dashboard/business/settings/risk
    Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment
    Add checkout to any website
    <a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

    Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

    See payment processing

    The real product

    Invoices, checkouts and receipts your customers actually see

    Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

    • Luna Hair Studio receipt for $258: balayage and cut, a deep-conditioning treatment and a $43 tip, paid with Apple PaySalons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
    • Anytime Capital checkout for Northside Pilates' unlimited monthly membership at $149 a month with a 7-day free trialGyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
    • Harbor Point Property Mgmt invoice INV-1107 for November rent on Unit 4B plus parking, $1,925 due November 1Property managementA rent invoice, with rent and parking as separate linesPayments for property management
    • Anytime Capital checkout for Riverbend Food Bank's winter food drive, with a suggested $50 giftNonprofitsA donation link: donors choose the amountPayments for nonprofits
    • Fresh Start Home Services quote Q-0218 for a $496 deep clean with oven, fridge and window add-ons, valid until November 4Home servicesA quote the customer accepts onlinePayments for home services
    • Golden Hour Photography quote Q-0094 for a $3,650 wedding collection and engagement session, accepted by Jordan RiveraPhotographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
    • Crescendo Music & Tutoring invoice INV-0356 to a parent for four 45-minute math tutoring sessions and an SAT practice test review, $300Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
    • Little Acorns Learning Center invoice INV-2611 for two children's November tuition with a $105 sibling discount, $2,395 due November 1Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
    • Wag & Whisker Pet Care receipt for $138: a full groom, nail grind and teeth brushing and a $23 tip, paid with Google Pay, with the pet's name BiscuitPet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
    • Ridgeline Auto Care quote Q-1042 for a $666 brake job on a 2019 Honda CR-V: parts, two hours of labor and a brake fluid flushAuto repairThe estimate, sent as a quote the customer approves onlinePayments for auto repair

    Anytime Capital product views, demo data.

    Save and earn more

    Keep more of every sale, and get it the same minute

    Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

    Fee calculator

    $50,000

    $
    • Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
    • Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
    • PayPal · PayPal Checkout3.49% + 49¢$2,033
    • Square · Free plan3.3% + 30¢$1,826
    • Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
    • Stripe2.9% + 30¢$1,626
    • Shopify Payments · Basic plan2.9% + 30¢$1,626
    • Authorize.net · All-in-One plan2.9% + 30¢$1,626
    • Braintree2.89% + 29¢$1,616
    • Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
    • Anytime Capital2.75% + 30¢$1,551
    • QuickBooks Payments · Invoices and online2.99%$1,495

    Saved per year

    up to $5,781

    vs the highest processor rate above

    First 90 days at 2.5% + 30¢

    $1,426 instead of $1,551

    Claim the launch offer

    Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.

    • 0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
    • 2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
    • 0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
    • 71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

    Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.

    Payouts in local currency

    71 countries. 38 currencies. One bank account.

    Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.

    countries on local rails
    71countries on local rails
    currencies
    38currencies
    countries with instant rails
    36countries with instant rails

    Europe33 countries

    • AustriaEURInstant
    • BelgiumEURInstant
    • BulgariaEURInstant
    • CroatiaEURInstant
    • CyprusEURInstant
    • CzechiaEURInstant
    • DenmarkEUR · DKKInstant
    • EstoniaEURInstant
    • FinlandEURInstant
    • FranceEURInstant
    • GermanyEURInstant
    • GreeceEURInstant
    • HungaryEURInstant
    • IcelandEURInstant
    • IrelandEURInstant
    • ItalyEURInstant
    • LatviaEURInstant
    • LiechtensteinEURInstant
    • LithuaniaEURInstant
    • LuxembourgEURInstant
    • MaltaEURInstant
    • NetherlandsEURInstant
    • NorwayEURInstant
    • PolandEURInstant
    • PortugalEURInstant
    • RomaniaEURInstant
    • SlovakiaEURInstant
    • SloveniaEURInstant
    • SpainEURInstant
    • SwedenEURInstant
    • SwitzerlandEURInstant
    • TürkiyeTRYBank transfer
    • United KingdomGBPInstant

    Americas8 countries

    • BrazilBRLInstant
    • CanadaCADBank transfer
    • ColombiaCOPBank transfer
    • El SalvadorUSDBank transfer
    • GuatemalaGTQBank transfer
    • HaitiHTGMobile money
    • JamaicaJMDBank transfer
    • MexicoMXNInstant

    Asia-Pacific11 countries

    • BangladeshBDTBank transfer
    • ChinaCNYBank transfer
    • Hong Kong SAR ChinaHKDBank transfer
    • IndiaINRInstant
    • IndonesiaIDRBank transfer
    • MalaysiaMYRBank transfer
    • PakistanPKRBank transfer
    • PhilippinesPHPBank transfer
    • SingaporeSGDInstant
    • ThailandTHBBank transfer
    • VietnamVNDBank transfer

    Middle East & Africa19 countries

    • BeninXOFMobile money
    • BotswanaBWPMobile money
    • CameroonXAFMobile money
    • Congo - BrazzavilleXAFMobile money
    • Côte d’IvoireXOFMobile money
    • EgyptEGPBank transfer
    • GhanaGHSBank transfer
    • IsraelILSBank transfer
    • KenyaKESMobile money
    • MalawiMWKMobile money
    • NigeriaNGNBank transfer
    • RwandaRWFMobile money
    • SenegalXOFMobile money
    • South AfricaZARBank transfer
    • TanzaniaTZSMobile money
    • TogoXOFMobile money
    • UgandaUGXMobile money
    • United Arab EmiratesAEDBank transfer
    • ZambiaZMWMobile money

    SEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.

    MCP connection

    Let your AI agent run payments, with a key you can revoke

    Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

    • ClaudeClaude Code & Desktop
    • CursorMCP server
    • GitHub CopilotMCP in VS Code
    • GeminiMCP in Gemini CLI
    • OpenAIMCP in the Agents SDK
    • WindsurfMCP server

    48 tools

    • list_payments
    • get_payment
    • list_payment_links
    • create_payment_link
    • get_payment_link
    • update_payment_link
    • deactivate_payment_link
    • list_invoices
    • create_invoice
    • get_invoice
    • send_invoice
    • list_customers
    • create_customer
    • get_customer
    • update_customer
    • list_refunds
    • get_refund
    • create_refund
    • list_products
    • create_product
    • get_product
    • update_product
    • archive_product
    • list_subscription_plans
    • create_subscription_plan
    • get_subscription_plan
    • list_subscriptions
    • get_subscription
    • cancel_subscription
    • pause_subscription
    • resume_subscription
    • list_discount_codes
    • create_discount_code
    • get_discount_code
    • deactivate_discount_code
    • list_payouts
    • get_payout
    • get_balance
    • list_disputes
    • get_dispute
    • list_webhook_endpoints
    • create_webhook_endpoint
    • get_webhook_endpoint
    • update_webhook_endpoint
    • delete_webhook_endpoint
    • list_events
    • get_event
    • send_test_event
    Connect the MCP server
    Claude Code · harbor-and-pine

    $ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

    ✓ Added HTTP MCP server anytime-capital

    > Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

    ⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

    ⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

    > How much did we take by card this week?

    ⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

    ⎿ 214 payments · $31,904.18 gross · 2 refunds

    anytime-capital.com/dashboard/business/settings/developers
    Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

    Docs and API

    Integrate in an afternoon, or let your AI agent do it

    A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

    MCP server
    https://anytime-capital.com/api/mcp
    Docs as one file
    /docs/llms-full.txt
    Read the quickstart All docs
    Create a payment link
    curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'
    • QuickstartGo from a new business account to your first paid payment link with the Anytime Capital Payments API: create a key, create a link, verify a webhook.Read
    • Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.Read
    • Checkout & websiteTake payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.Read
    • InvoicesCreate, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.Read
    • WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Read
    • Fraud rules & 3D SecureProtect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.Read
    • Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Read
    • AI agents hubConnect Claude, Cursor, VS Code and your own agents to Anytime Capital Payments through the MCP server, give them the docs as Markdown, and keep them safe.Read

    Integrations

    Works with the tools you already run on

    AI assistants, accounting, your website and the wallets in your customers' pockets.

    Accounting

    Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.

    • QuickBooks OnlineFormatted export
    • XeroFormatted export
    anytime-capital.com/dashboard/business/reports
    Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file
    See reporting

    Wallets

    Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

    • Apple PayAccept & spend
    • Google PayAccept & spend
    See payment methods

    Built for AI-written code

    Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.

    • ChatGPTllms-full.txt
    • ClaudeOpen in Claude
    • GeminiMarkdown docs
    • PerplexityMarkdown docs
    • MistralMarkdown docs
    Docs for AI assistants

    Any website

    Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.

    • WordPressPay button
    • WebflowInline checkout
    • SquarespaceCode block
    • WixPay link
    See website checkout

    Branches

    Bank from your phone, or walk into a branch

    Real people at real counters in Atlanta, Miami and Houston, for account opening, cash, larger crypto orders and anything you would rather sort out face to face.

    All branches
    • The Anytime Capital Atlanta branch on Piedmont Road OpenAtlanta2549 Piedmont Rd NE, Suite 110, Atlanta, GA 30324Mon–Fri 10–5 · Sat 10–2(470) 748-2530
    • One Biscayne Tower, home of the Anytime Capital Miami branch OpenMiami2 Biscayne Blvd, Floor 32, Miami, FL 33131Mon–Fri 10–5 · Sat 10–2(786) 656-0738
    • Inside an Anytime Capital branch OpenHoustonThe Plaza at Audley, 3120 Southwest Fwy, Suite 100-3, Houston, TX 77098Mon–Fri 10–5 · Sat 10–2(713) 987-8815

    Opening next:NashvilleChicagoLondonSydney

    In detail

    Mercury and Anytime Capital, compared in full

    Mercury is excellent startup banking

    Mercury earned its place as the default first account for a lot of startups. ACH and domestic wires are free, USD international wires are free (with an optional $15 to cover intermediary fees), and the interface is built for software companies rather than branch banking. Plans run from $0 to Plus at $35 and Pro at $350 a month; another Mercury page shows $29.90 and $299, likely for annual billing.

    Mercury describes itself as a fintech company, not an FDIC-insured bank, with banking services through Choice Financial Group and Column N.A. and sweep coverage of up to $5 million across up to 20 banks. In April 2026 the OCC conditionally approved Mercury Bank, N.A.; FDIC and Federal Reserve approvals were still pending, and Mercury still operates through partner banks.

    Getting paid: Mercury invoices run cards through Stripe

    Mercury invoices can be paid by ACH or wire for free, and by card, Apple Pay or Google Pay through Stripe at Stripe's rates, 2.9% + 30¢ on a domestic card, with no Mercury fee on top. ACH debit on invoices costs $1 per transaction on Plus and nothing on Pro.

    Anytime Capital Payments processes cards directly at 2.75% + 30¢, or $3.05 on a $100 invoice against $3.20 through Stripe, with 2.5% + 30¢ for your first 90 days, and pays out to your bank whenever you like, instant where eligible, rather than only on a processor's schedule.

    Paying abroad, and the digital-dollar gap

    Mercury holds US-dollar accounts only. Non-USD wires carry a 1% FX fee across 40+ currencies and take one to three business days; non-USD card transactions carry 3%. Mercury's crypto page says its accounts can currently only hold fiat, so there is no stablecoin product.

    Anytime Capital adds what Mercury leaves out: USDC and USDT paid at checkout straight to the business's own wallet, held, sent on the same day or sold for dollars, and a desk trading 38+ assets at desk-quoted rates. Paying suppliers and contractors on local rails in 71+ countries (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), plus SWIFT. Many startups keep Mercury for dollars and add Anytime Capital for payments and crypto.

    A business owner checking the day's payments on his phone on the way to the office
    Sales, cards and payouts in one app

    Open a business account

    A few minutes to apply. Most reviews finish within one business day.

    Get started

    Launch offer

    Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

    Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.

    Claim 2.5% + 30¢See pricing
    • 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
    • No monthly, setup or PCI fees
    • Payouts to your bank, instant where eligible
    • Live US business team

    Mercury vs Anytime Capital FAQ

    Does Mercury support crypto or stablecoins?

    No. Mercury's crypto page says its accounts can currently only hold fiat, and it does not offer stablecoin balances, crypto trading or on-chain payments. Anytime Capital takes USDC and USDT at checkout to the business's own wallet, to hold, send or sell for dollars, and trades 38+ assets on its crypto desk.

    Does Mercury accept credit card payments?

    On invoices, through Stripe, at Stripe's rates (2.9% + 30¢ on a domestic card), with no Mercury fee on top. Anytime Capital Payments processes cards directly at 2.75% + 30¢.

    Is Mercury a bank?

    Mercury describes itself as a fintech company, not an FDIC-insured bank, with banking through Choice Financial Group and Column N.A. The OCC conditionally approved Mercury Bank, N.A. in April 2026; FDIC and Federal Reserve approvals were pending as of October 2026.

    What is the best Mercury alternative?

    For a business that needs more than dollar banking (taking card payments at 2.75% + 30¢, and holding or sending stablecoins), Anytime Capital. For free domestic wires and polished startup banking alone, Mercury is hard to beat.

    How much does Mercury cost?

    Mercury has a $0 plan, Plus at $35 a month and Pro at $350 a month on its pricing page; another Mercury page shows $29.90 and $299, which appear to be annual-billing prices.

    Can I keep Mercury and use Anytime Capital?

    Yes. Many companies keep Mercury for US-dollar banking and use Anytime Capital for card payments, stablecoins and crypto, with card payments paid out to the Mercury account.

    How fast can we open an Anytime Capital account?

    Creating the account takes a couple of minutes, and most applications with complete KYB documents are approved the same day, which switches card payments on. Complex entity structures can take a few days.

    Is Anytime Capital a bank?

    No. Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners, and the disclosures for each product are shown at sign-up.

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    Important Disclosures

    • Information about Mercury is based on publicly available data as of October 2026. Features, policies and product availability may have changed since.
    • This comparison is provided for informational purposes and does not constitute financial, investment, tax, or legal advice.
    • Anytime Capital and Mercury are independent companies. This page is not endorsed by, affiliated with, or sponsored by Mercury. All third-party names, logos and trademarks are the property of their respective owners and are used here only to identify the company being compared or the services we work with.
    • Cryptocurrency is not FDIC insured and its value can fall as well as rise. Digital assets are not deposits.
    • Identity and business verification are required to open an account. Additional review may be required for certain transaction types or volumes.
    • Dashboard screenshots show a demonstration business with sample data.
    • Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.
    • Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.
    Anytime Capital
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