Mercury vs Payhawk Pricing (2026)
Compare / Mercury vs Payhawk
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Team size
25 seats

Mercury vs Payhawk

Corporate Cards & Spend pricing comparison · 2026

Mercury pricing ranges from $0–$350/month, while Payhawk ranges from $0–$499/month. These products use different pricing models (Per-seat subscription vs ), so a direct price comparison isn't meaningful — costs depend on usage volume and mix.

Visit
See pricing on each vendor's site
Above-the-fold path — each link opens the vendor's pricing page in a new tab.
Visit Mercury pricing
Free plan limits → Discount programs →
Visit Payhawk pricing
Discount programs →
Compare
2 products · Corporate Cards & Spend
Side-by-side · live
Mercury
Mercury is a banking platform designed specifically for tech startups and growing companie
verified 5w ago
$576 $135K
View pricing →
Payhawk
Payhawk pricing is not publicly disclosed.
verified 12d ago
$576 $135K
View pricing →
Verdict · list-price math · year 1
Mercury saves $30K vs Payhawk · 25 seats
Cheapest $105K
Spread 22%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Mercury Pro
$105K/yr
year 1 license · $350/seat
Cards & Expenses
$135K/yr
year 1 license · $449/seat
What buyers actually pay
median, annual
Vendr deal-flow data. The real benchmark, not list price.
Median annual
$576/yr
Vendr · n=529
No Vendr data
—
Not in Vendr's deal flow
REF · 01

Sources & confidence

Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.

Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources 6 sourced facts
2 hidden-cost · 2 contract · Vendr median · 1 review platform
Last verified 1mo ago
Confidence High confidence
Sources 11 sourced facts
8 hidden-cost · 1 contract · 2 review platforms
Last verified 1w ago
Confidence Limited confidence
REF · 02

Plans at a glance

Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.

Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 03

Hidden costs

Each cost is severity-ranked, with the dollar range quoted from its source (Vendr, Reddit, TrustRadius, BBB, official docs) — never our estimate.

Beyond the sticker
Severity-ranked, sourced
2 documented
  • International Payment Fees
    $25-$50
    1 source
  • Credit Product Deposit Requirements
    5-15% of license costs
    1 source
5 documented
  • Physical Credit Cards
    1 source
  • ATM Cash Advance Fee
    2€
    1 source
  • International Payment FX Markup
    0.3%
    1 source
  • Complex Integrations/Customizations
    1 source
  • Migration Services
    1 source
REF · 04

Contract terms

The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.

Mercury
Payhawk
Auto-renewal
Yes
Yes
Cancellation
—
one-month notice
Commitment
✓ Month-to-month; no long-term contract required
3-year contract; liable for remaining duration
Price escalation
No published price escalation schedule
22%
Can downgrade
✓ Yes
—
Based on 3 verified sources (Vendr · TrustRadius · BBB)
REF · 05

What users say

Aggregated, with sample sizes. We use whichever review platform has data.

User reviews
TrustRadius · Trustpilot · G2
Trustpilot
2out of 5 (25)
Best for
Early-stage startups and small businesses
Watch out
Sudden account closures without warning or explanation
Trustpilot
3.5out of 5 (278)
G2
4.5out of 5 (892)
Best for
Evaluation
Watch out
Approval Issues and Rigid Workflows
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
Visit Mercury pricing
Free plan limits → Discount programs →
Visit Payhawk pricing
Discount programs →
License cost is computed from publicly listed plans (real math, list price × seats). Median annual cost is from Vendr's deal flow when available — see source badges. Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
Corporate Cards & Spend

Mercury

$0–$350
/month
3 plans · Free tier
Full pricing breakdown →
VS
Corporate Cards & Spend

Payhawk

$0–$499
/month
5 plans · Free tier
Full pricing breakdown →
⚖

Different Pricing Models

Direct price comparison isn't meaningful here — Mercury uses Per-seat subscription pricing while Payhawk uses pricing. Your actual cost will depend on usage volume, team size, or both. Here's each product in its native unit.

Per-seat subscription

Mercury

$0–$350 / month
See full Mercury pricing →
vs

Payhawk

$0–$499 / month
See full Payhawk pricing →

Mercury and Payhawk both operate in the corporate cards & spend category. This page compares their list pricing.

Plan-by-Plan Pricing

Plan Mercury Payhawk
Mercury Free /month Free /month
Mercury Plus $35 /month $299 /month
Mercury Pro $350 /month $449 /month
Bill Payments — $349 /month
Procure to Pay — $499 /month

What Users Say

Mercury

Trustpilot
2out of 5 (25)
Top complaints
  • Sudden account closures without warning or explanation
  • Funds frozen for weeks after account closure with no support response
  • No phone customer support — email only, with slow response times on critical issues

Payhawk

G2
4.5out of 5 (892)
Trustpilot
3.5out of 5 (278)
Top complaints
  • Approval Issues and Rigid Workflows
  • Missing Features and Limited Customization
  • Card-Related Issues

Hidden Costs

Beyond the sticker price — what catches buyers off guard.

Mercury 2 hidden costs

medium
International Payment Fees $25-$50
medium
Credit Product Deposit Requirements 5-15% of license costs
See all Mercury hidden costs →

Payhawk 8 hidden costs

low
Physical Credit Cards
low
ATM Cash Advance Fee 2€
medium
International Payment FX Markup 0.3%
medium
Complex Integrations/Customizations
medium
Migration Services
See all Payhawk hidden costs →

Contract Terms

Term Mercury Payhawk
Auto-renewal Yes Yes
Cancellation — one-month notice
Minimum commitment Month-to-month; no long-term contract required 3-year contract; liable for remaining duration
Price escalation No published price escalation schedule 22%
Can downgrade Yes —

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Mercury

Payhawk

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