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Mercury

Mercury

Startup Banking

VS

Basis Theory

Developer Tokenization Platform

Basis Theory
Fees from
Custom vs Free tier + usage-based
Features

1 shared

1 unique to Mercury · 1 unique to Basis Theory
Regions

1 shared

1 unique to Basis Theory
Pay methods

1 shared

3 unique to Mercury · 3 unique to Basis Theory

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Show full specs
3 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.
Mercury Mercury
Basis Theory Basis Theory
Quick Facts
Fees
Standard transaction rate
Custom
Free tier + usage-based
Settlement
Time to receive funds
1–3 business days
—
Founded
2019
2020
Headquarters
San Francisco, California
Des Moines, Iowa, USA
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Ach Unique
✓
—
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Check Unique
✓
—
Credit Card Unique
—
✓
Debit Card
✓
✓
Google Pay Unique
—
✓
Regions
Basis Theory leads (2 vs 1)
Europe Unique
—
✓
North America
✓
✓

Mercury is best when you...

Startup Banking
Need Low Fees
Not available with Basis Theory
View Mercury

Basis Theory is best when you...

Developer Tokenization Platform
Need Instant Sandbox
Not available with Mercury
Want coverage in Europe
Mercury doesn't cover this region
View Basis Theory

Frequently Asked Questions

What is the difference between Mercury and Basis Theory?
They share 1 payment method and 1 region. Mercury adds ACH, Bank Transfer, Check that Basis Theory does not list; Basis Theory adds Apple Pay, Credit Card, Google Pay that Mercury does not list; Basis Theory also covers Europe; only Mercury offers Low Fees.
Which is cheaper, Mercury or Basis Theory?
Mercury has custom pricing quoted on engagement; Basis Theory has published rates from Free tier + usage-based. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Mercury and Basis Theory?
Mercury lists 1 region and 4 payment methods; Basis Theory lists 2 and 4. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Mercury and Basis Theory compare on integration and settlement?
both offer a sandbox; both support webhooks; Mercury publishes a settlement time of 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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