Source: https://rivet.global/blog/found-vs-mercury
Published: 2026-06-08 · Updated: 2026-11-04 · By Alexia M.

# Found vs Mercury: which business account suits your size?

Found vs Mercury compared on plans, wire fees, tax tools and limits, using each company's pricing page, for sole owners and growing teams.

## Key takeaways

- Found is free, with Plus at $35 a month and Pro at $80; Mercury is free, with Plus at $29.90 and Pro at $299.
- Found charges $15 per outgoing domestic wire ($10 on Pro) and $2 per cash deposit; Mercury charges $0 for domestic and USD international wires.
- Found builds tax estimates, 1099 tools and bookkeeping into the account, aimed at sole owners and small LLCs.
- Neither holds currencies other than US dollars.

"Found vs Mercury" shows up in autocomplete next to "Found vs Bluevine", and the people asking are usually small LLC owners. The two accounts serve different stages of a business. Figures below were read on each pricing page on 4 November 2026.

## Side by side

| | Found | Mercury |
|---|---|---|
| Free plan | Yes | Yes |
| Paid plans | Plus $35, Pro $80 a month | Plus $29.90, Pro $299 a month |
| Outgoing domestic wire | $15 ($10 on Pro) | $0 |
| ACH | Unlimited, no fee listed | $0 |
| Cash deposits | $2 each | Not offered |
| Built-in tax tools | Tax estimates, 1099 tools, quarterly payments on Plus | Bookkeeping add-on |
| Interest | 1.50% APY up to $20,000 on Plus; 2.50% on Pro | Treasury yield with a $250K balance |
| Partner bank | Lead Bank | Choice Financial Group, Column N.A. |

## Found fits the one-person business

Found's free plan sorts expenses, estimates tax and sends 1099s. For a consultant or shop owner who files a Schedule C, that saves hours of bookkeeping. The trade-off is wires at $15 each and few startup features such as credit or treasury.

## Mercury fits the team that moves money

Mercury's free wires, multiple accounts and cards for staff suit a company that pays vendors and contractors every week. Its tax help is thinner, and it does not take cash.

## Neither is built for currency

Both are US-dollar accounts. If your LLC sells to clients in Europe or pays freelancers in Latin America, every payment is a converted wire or a card fee.

## Paying into the United States: the local rail

| What | Detail |
|---|---|
| Local rail | ACH for batch payments; RTP and FedNow for instant transfers |
| Run by | Nacha for ACH; The Clearing House for RTP; the Federal Reserve for FedNow |
| Settlement | Same-day ACH within the business day, standard ACH the next; RTP and FedNow in seconds, 24/7, where both banks take part |

Source: [Nacha: Same Day ACH](https://www.nacha.org/rules/same-day-ach-moving-payments-faster). Checked when this guide was last updated; the scheme's own page has the current figures.

## Where Rivet fits

Rivet is a multi-currency account for registered companies, including US LLCs owned from abroad. Starter is free with USD details for ACH and wires. Growth adds EUR and GBP details, local payouts to 120+ countries and FX from 0.50%, shown before you confirm. Rivet is not a bank; regulated partner institutions hold the funds. If your LLC pays contractors abroad, read [how to pay international contractors](/blog/how-to-pay-international-contractors).

## Questions

### Is Found or Mercury better for an LLC?

A single-owner LLC that wants taxes and bookkeeping handled in one app often prefers Found. An LLC that sends wires, hires and plans to raise money tends to fit Mercury.

### Does Found support international payments?

Found's pricing page does not list international wires. Check in the app before you rely on it to pay anyone abroad.

### Who is Found's partner bank?

Found says banking is provided by Lead Bank, Member FDIC. Found itself is a fintech company, not a bank.

### Can I deposit cash with Found?

Yes. Found lists $2 per cash deposit. Mercury does not take cash deposits.