Platform comparisonUpdated October 2026

Mercury vs Anytime Capital for enterprises

Mercury built for startups and grew with them, and in April 2026 the OCC conditionally approved its national bank charter. At enterprise scale the digital-asset requirements change: multi-entity structures, treasury policy, block-size execution, and an audit trail that survives review. Those are desk requirements, and Mercury, whose accounts hold fiat only, does not run a desk.

Open a business account See pricing

Jump to your company

Small business Enterprise VC-funded AI companies

Business

•••• •••• •••• 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 ACH	Free ACH and domestic wires	RTP and FedNow in seconds, same-day wire and ACH, from the same balance as your sales
Deposit coverage	Sweep networks for up to $5M across up to 20 banks	A business bank account in the company's name; banking services provided by licensed partners
Accepting card payments	On invoices, through Stripe at Stripe's rates (2.9% + 30¢); no Mercury fee	Built 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 abroad	International wires; 1% FX on non-USD wires in 40+ currencies, 1–3 business days	USDC 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
Stablecoins	None: accounts can currently only hold fiat	Get 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
Crypto	Not offered	38+ assets at desk-quoted rates, a free non-custodial wallet, and same-day settlement back to dollars
Cards	Debit and credit cards; 3% FX on non-USD card transactions	Physical 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
Onboarding	Digital application built for startups	Most complete business applications are approved the same day; no waitlist and no funding requirement
One balance for everything	US-dollar banking and treasury; card processing through Stripe	Payments, 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

Enterprise

The account a finance team, a security review and a CFO all sign off on

Custom pricing, a named team in a shared Slack channel, every entity onboarded in its own name, and the controls and exports the rest of your stack expects.

Talk to the payments team

A dedicated payments team
- Shared Slack channel with our payments and risk team
- Named account manager and quarterly pricing review
- Custom pricing, payout schedules and reserve terms
Custom pricing from $1M+ a year
- Card pricing set for your volume and card mix, in place of the standard 2.75% + 30¢
- Payout schedules and reserve terms agreed up front, in writing
- Every fee its own line in the reports, so finance can audit the rate
Every entity in its own name
- One account per entity, each with its own account and routing numbers
- Straightforward entities approved the same day; holding companies and layered ownership in a few days
- Separate cards, limits and reports for each entity
A treasury desk, not just a balance
- 38+ digital assets at desk-quoted execution for size, sell support on 20+
- A non-custodial wallet so the entity holds its own keys
- Same-day settlement back to dollars by ACH, Fedwire or RTP
Controls your security review will ask about
- Card numbers never touch your servers: checkout loads from Anytime Capital
- Webhooks signed with HMAC-SHA256; 3D Secure and risk rules you set
- Up to 10 revocable API keys, held by owners and admins; idempotency keys honoured for 24 hours
Built into the finance and AI stack
- QuickBooks Online and Xero exports, with a payouts file to reconcile
- A REST API at 100 requests a minute per key, documented with copy-paste code
- An MCP server for Claude, Cursor and other agents, scoped to a key you can revoke

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Keys per integration, including one for Claude over MCP, and signed webhook endpoints.

Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file

Reports formatted for QuickBooks Online and Xero, and a payouts file to match every transfer.

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

Business

•••• •••• •••• 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.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
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

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.

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

Monthly card volume

$50,000

Average sale

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

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" }
  }'

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

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

Opening next:Nashville Chicago London Sydney

In detail

Mercury and Anytime Capital, compared in full

Enterprise digital-asset requirements a startup bank does not carry

Enterprise treasury asks questions retail-shaped products do not answer: who holds the keys, how is a position priced when it is large enough to move a public book, what does settlement look like on a deadline, and what do the statements look like to an auditor.

Anytime Capital answers each directly — a free non-custodial wallet so the entity holds its own keys, desk-quoted execution across 38+ assets rather than market orders, same-day settlement to the operating bank by ACH, Fedwire or RTP, and entity-titled records with dollar values attached. Multi-entity structures onboard in a few days rather than the same day, which is the honest timeline.

Where a spend platform stops and a desk begins

At enterprise scale the spend-management products do a job worth paying for: policy across entities, card issuance at headcount, procurement approvals, ERP integration. That job is US dollars going out, and in Ramp's case stablecoin balances that pay bills. It says nothing about executing size across a range of digital assets without moving the market against yourself.

That is a desk problem. An order large enough to matter should not be a market order sliding through a thin book — it should be a firm quote from someone who answers the phone, settled against an account titled to the entity, with statements the auditor accepts.

Execution, custody and settlement under one compliant roof

Anytime Capital trades 38+ assets with desk-quoted execution for size and direct sell support on 20+ of them. Every business account includes a free non-custodial wallet, so an enterprise can hold its own keys rather than accepting platform credit risk, while still using the desk for liquidity and the rails for settlement.

Settlement runs the same day to your operating bank by ACH, Fedwire or RTP. Supplier payouts on local rails in 71+ countries from the same account. Records carry dollar values, so the close and the audit trail do not depend on reconstructing history from block explorers. Multi-entity structures are supported; they take a few days to onboard rather than the same day, which is the honest answer.

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.

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 offer digital-asset custody for corporates?

No. Mercury's accounts can currently only hold fiat; it does not offer digital-asset trading, custody, stablecoins or on-chain settlement.

Can a holding company with subsidiaries open an account?

Yes. Layered ownership and multiple subsidiaries take a few days to review rather than the same-day turnaround a single clean entity gets, because the KYB work is genuinely more involved.

Do you support multi-entity corporate structures?

Yes. Straightforward entities usually approve the same day; holding companies, multiple subsidiaries, and layered ownership take a few days because the KYB review is genuinely more work.

Can an enterprise hold its own keys?

Yes. Every business account includes a free non-custodial wallet, so the entity controls its keys while still using the desk for execution and the rails for settlement.

How are large orders priced?

Orders large enough to move a public order book are quoted by the desk rather than executed by clicking a screen. Contact the desk before trading size so execution is coordinated.

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.

Compare other business banking platforms

Explore More

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.

Mercury vs Anytime Capital for enterprises

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 ACH	Free ACH and domestic wires	RTP and FedNow in seconds, same-day wire and ACH, from the same balance as your sales
Deposit coverage	Sweep networks for up to $5M across up to 20 banks	A business bank account in the company's name; banking services provided by licensed partners
Accepting card payments	On invoices, through Stripe at Stripe's rates (2.9% + 30¢); no Mercury fee	Built 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 abroad	International wires; 1% FX on non-USD wires in 40+ currencies, 1–3 business days	USDC 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
Stablecoins	None: accounts can currently only hold fiat	Get 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
Crypto	Not offered	38+ assets at desk-quoted rates, a free non-custodial wallet, and same-day settlement back to dollars
Cards	Debit and credit cards; 3% FX on non-USD card transactions	Physical 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
Onboarding	Digital application built for startups	Most complete business applications are approved the same day; no waitlist and no funding requirement
One balance for everything	US-dollar banking and treasury; card processing through Stripe	Payments, 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.

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" } }'

Mercury and Anytime Capital, compared in full

Enterprise digital-asset requirements a startup bank does not carry

Where a spend platform stops and a desk begins

Execution, custody and settlement under one compliant roof

Mercury is excellent startup banking

Getting paid: Mercury invoices run cards through Stripe

Paying abroad, and the digital-dollar gap

Mercury vs Anytime Capital FAQ

Does Mercury offer digital-asset custody for corporates?

No. Mercury's accounts can currently only hold fiat; it does not offer digital-asset trading, custody, stablecoins or on-chain settlement.

Can a holding company with subsidiaries open an account?

Yes. Layered ownership and multiple subsidiaries take a few days to review rather than the same-day turnaround a single clean entity gets, because the KYB work is genuinely more involved.

Do you support multi-entity corporate structures?

Yes. Straightforward entities usually approve the same day; holding companies, multiple subsidiaries, and layered ownership take a few days because the KYB review is genuinely more work.

Can an enterprise hold its own keys?

Yes. Every business account includes a free non-custodial wallet, so the entity controls its keys while still using the desk for execution and the rails for settlement.

How are large orders priced?

Orders large enough to move a public order book are quoted by the desk rather than executed by clicking a screen. Contact the desk before trading size so execution is coordinated.

Does Mercury support crypto or stablecoins?

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?

What is the best Mercury alternative?

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?

Is Anytime Capital a bank?

Mercury vs Anytime Capital for enterprises

Jump to your company

The short answer

Choose Mercury if

Choose Anytime Capital if

Mercury vs Anytime Capital, side by side

What people ask about Mercury

The account a finance team, a security review and a CFO all sign off on

What you get with Anytime Capital instead of Mercury

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

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

Your website

Checkout

3D Secure

Risk rules

Instant payout

Invoices, checkouts and receipts your customers actually see

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

71 countries. 38 currencies. One bank account.

Europe33 countries

Americas8 countries

Asia-Pacific11 countries

Middle East & Africa19 countries

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

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

Works with the tools you already run on

Accounting

Wallets

Built for AI-written code

Any website

Bank from your phone, or walk into a branch

Mercury and Anytime Capital, compared in full

Enterprise digital-asset requirements a startup bank does not carry

Where a spend platform stops and a desk begins

Execution, custody and settlement under one compliant roof

Mercury is excellent startup banking

Getting paid: Mercury invoices run cards through Stripe

Paying abroad, and the digital-dollar gap

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

Mercury vs Anytime Capital FAQ

Compare other business banking platforms

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Important Disclosures

Mercury vs Anytime Capital for enterprises

Jump to your company

The short answer

Choose Mercury if

Choose Anytime Capital if

Mercury vs Anytime Capital, side by side

What people ask about Mercury

The account a finance team, a security review and a CFO all sign off on

What you get with Anytime Capital instead of Mercury

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

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

Your website

Checkout

3D Secure

Risk rules

Instant payout

Invoices, checkouts and receipts your customers actually see

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

71 countries. 38 currencies. One bank account.

Europe33 countries

Americas8 countries

Asia-Pacific11 countries

Middle East & Africa19 countries

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

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

Works with the tools you already run on

Accounting

Wallets

Built for AI-written code

Any website

Bank from your phone, or walk into a branch

Mercury and Anytime Capital, compared in full

Enterprise digital-asset requirements a startup bank does not carry

Where a spend platform stops and a desk begins

Execution, custody and settlement under one compliant roof

Mercury is excellent startup banking

Getting paid: Mercury invoices run cards through Stripe