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Mercury

Mercury

Startup Banking

VS

FIS

Enterprise banking and capital markets technology

FIS
Fees from
Custom vs Custom
Features

0 shared

2 unique to Mercury · 1 unique to FIS
Regions

1 shared

5 unique to FIS
Pay methods

3 shared

1 unique to Mercury · 11 unique to FIS
On licensing

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Show full specs
3 features · 15 payment methods · 6 regions. We don't rank these — they're here for reference.
Mercury Mercury
FIS FIS
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2019
1968
Headquarters
San Francisco, California
Jacksonville, Florida, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Mercury leads (2 vs 1)
Enterprise Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
FIS leads (14 vs 4)
Ach
✓
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Check Unique
✓
—
Contactless Unique
—
✓
Credit Card Unique
—
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions
FIS leads (6 vs 1)
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Mercury is best when you...

Startup Banking
Need Low Fees
Not available with FIS
Need Startup Friendly
Not available with FIS
View Mercury

FIS is best when you...

Enterprise banking and capital markets technology
Need Enterprise
Not available with Mercury
Want coverage in Asia, Europe, Latin America, Oceania, Southeast Asia
Mercury doesn't cover these regions
View FIS

Frequently Asked Questions

What is the difference between Mercury and FIS?
They share 3 payment methods and 1 region. Mercury adds Check that FIS does not list; FIS adds Amex, Apple Pay, Contactless and 8 more that Mercury does not list; FIS also covers Asia, Europe and 3 more; only Mercury offers Low Fees, Startup Friendly.
Which is cheaper, Mercury or FIS?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Mercury and FIS?
Mercury lists 1 region and 4 payment methods; FIS lists 6 and 14. 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 FIS compare on integration and settlement?
both offer a sandbox; both support webhooks; Mercury settles in 1–3 business days, FIS in 1–2 business days.

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