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Mercury

Mercury

Startup Banking

VS

Grey Finance

Emerging market workers, freelancers, and global businesses

Grey Finance
Fees from
Custom vs Variable by payment method and corridor; FX charges apply
Features

1 shared

1 unique to Mercury · 2 unique to Grey Finance
Regions

0 shared

1 unique to Mercury · 4 unique to Grey Finance
Pay methods

2 shared

2 unique to Mercury · 1 unique to Grey Finance
On region

Grey Finance covers 4 regions; Mercury covers 1. Verify directly with each provider before signing.

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4 features · 5 payment methods · 5 regions. We don't rank these — they're here for reference.
Mercury Mercury
Grey Finance Grey Finance
Quick Facts
Fees
Standard transaction rate
Custom
Variable by payment method and corridor; FX charges apply
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2019
2020
Headquarters
San Francisco, California
Wilmington, Delaware
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Grey Finance leads (3 vs 2)
Crypto Support Unique
—
✓
Instant Payout Unique
—
✓
Low Fees
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Mercury leads (4 vs 3)
Ach
✓
✓
Bank Transfer
✓
✓
Check Unique
✓
—
Debit Card Unique
✓
—
Virtual Card Unique
—
✓
Regions
Grey Finance leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Mercury is best when you...

Startup Banking
Need Startup Friendly
Not available with Grey Finance
Want coverage in North America
Grey Finance doesn't cover this region
View Mercury

Grey Finance is best when you...

Emerging market workers, freelancers, and global businesses
Need Crypto Support
Not available with Mercury
Need Instant Payout
Not available with Mercury
Want coverage in Africa, Asia, Latin America, Southeast Asia
Mercury doesn't cover these regions
View Grey Finance

Frequently Asked Questions

What is the difference between Mercury and Grey Finance?
They share 2 payment methods and 0 regions. Mercury adds Check, Debit Card that Grey Finance does not list; Grey Finance adds Virtual Card that Mercury does not list; Mercury also covers North America; Grey Finance also covers Africa, Asia and 2 more.
Which is cheaper, Mercury or Grey Finance?
Mercury has custom pricing quoted on engagement; Grey Finance has published rates from Variable by payment method and corridor; FX charges apply. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Mercury and Grey Finance?
Mercury lists 1 region and 4 payment methods; Grey Finance lists 4 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Mercury and Grey Finance compare on integration and settlement?
Mercury offers a sandbox, Grey Finance does not list one; Mercury supports webhooks; Mercury settles in 1–3 business days, Grey Finance in 1–2 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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