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Startup neobank Mercury is taking on Brex and Ramp with new bill pay, spend management software | TechCrunch

May 07, 2024 - techcrunch.com
Digital banking startup Mercury is adding software to its bank accounts to allow business customers to pay bills, invoice customers, and reimburse employees. The new features will put Mercury in direct competition with fintech rivals Brex and Ramp, as well as other fintech companies and incumbents like Bill.com. The company, which has been offering banking services to businesses since 2019, is expanding by offering accounting automation and sophisticated bill pay features. Mercury has over 200,000 customers sending $4 billion in outgoing payments every month via its platform.

The advanced bill pay software will allow customers to pay bills directly from their bank accounts with features such as AI populating bill details, duplicate bill detection, and mobile and Slack payment approvals. The company is also providing accounting automations, including a new NetSuite integration. This summer, Mercury will offer businesses the ability to build professional invoices, allow customers to pay with credit cards or directly from their bank, and send automated invoice reminders. Access to the new workflows is free until August 1, after which the company will offer paid plans ranging from $35 to $350 a month.

Key takeaways:

  • Digital banking startup Mercury is adding software to its bank accounts, enabling business customers to pay bills, invoice customers, and reimburse employees.
  • The new features put Mercury in direct competition with fintech companies like Brex and Ramp, as well as incumbents such as Bill.com.
  • Mercury has over 200,000 customers sending $4 billion in outgoing payments every month via its platform.
  • The company is also expanding into personal banking and will charge users an annual subscription fee of $240 upon the first deposit.
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