Mercury
Banking for startups
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| Mercury | Reap Pay | |
|---|---|---|
| Rating | 4.5★ | 5.0★ |
| Reviews | 52 | 3 |
| Pros | 13 | 9 |
| FactScore™ | 77.6 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Mercury — Pros
Intuitive interface Startup-friendly features Easy account setup Responsive customer service Integrations with business tools No fees Seamless account management Virtual cards Support for startup community Treasury product Venture debt options Automated expense tracking Free international transfersBoth tools — Pros
—Only in Reap Pay — Pros
Credit card payments Crypto payments Automated payment schedules Fast performance Employee credit cards Integration with Xero Multiple currency support Payment link invoicing Recurring paymentsOnly in Mercury — Cons
Unreliable service Slow support Account closure without warning Compliance issues Low card limits Slow fund availability High-yield interest accountsBoth tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| Mercury | Reap Pay | |
|---|---|---|
| Categories | Online banking, Startup financial planning | Online banking, Payment processors, Money transfer |
| Platforms | Web | Web |
| Became Popular | April 18, 2019 | April 3, 2023 |
| Website | www.mercury.com | reap.global |
Who Should Pick Which?
Choose Mercury if...
- Intuitive interface
- Startup-friendly features
- Easy account setup
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 77.6 vs 30.1, Mercury leads in community reception. Mercury uniquely offers Intuitive interface and Startup-friendly features, while Reap Pay stands out for Credit card payments and Crypto payments.
What Users Say
Mercury
From our first check to paying contractors, Mercury has had our back from the beginning. Rock solid banking services, and recently even started to offer sending out SAFE's. Not to mention the high-...
I remember opening a bank account with Wells Fargo for a business before Mercury existed. It involved phone calls, scanning signatures, and keeping track of paper. Mercury's onboarding was easy, al...
Reap Pay
We have used REAP for 3-4 years for multiple startups ranging between 2 to 100 people. Depending on the scale there is great value you can get, which traditional credit card or finance services can...
I appreciate the variety of payment options offered, including card payments, ACH, and eChecks, which will undoubtedly help businesses reach a broader range of customers. The ability to automate pa...
Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.
Related Comparisons
Frequently Asked Questions
Which is better, Mercury or Reap Pay?
Based on FactScore™, Mercury leads with a score of 77.6 vs 30.1. Mercury has a higher rating of 4.5★ compared to 5.0★.
What are the pros of Mercury compared to Reap Pay?
Mercury uniquely offers: Intuitive interface, Startup-friendly features, Easy account setup, Responsive customer service, Integrations with business tools.
What are the pros of Reap Pay compared to Mercury?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is Mercury better rated than Reap Pay?
Mercury is rated 4.5★ from 52 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of Mercury and Reap Pay?
FactScore™ weighs rating and review volume together. Mercury scores 77.6 and Reap Pay scores 30.1.
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