Relay vs Mercury: Business Banking Comparison (2026)
An independent side-by-side comparison of Relay and Mercury for business banking buyers — pricing, features, integrations, and how often each is cited by major AI engines.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask business banking questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Too early to call — probes still building data.
ChatGPT
Relay
Tracking…
No data yet
Mercury
Tracking…
No data yet
Perplexity
Relay
Tracking…
No data yet
Mercury
Tracking…
No data yet
Gemini
Relay
Tracking…
No data yet
Mercury
Tracking…
No data yet
Claude
Relay
Tracking…
No data yet
Mercury
Tracking…
No data yet
Copilot
Relay
Tracking…
No data yet
Mercury
Tracking…
No data yet
Scale:NoneLowFairStrongExcellent
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
Relay
- ✓1.11% APY on savings accounts
- ✓1% cash back on credit cards
- ✓Bill creation, intake & management
- ✓Customizable cards with spend policies
- ✓Receipt collection & storage
- ✓Payment request links
- ✓Automated follow ups
- ✓Recurring invoices
Mercury
- ✓Banking services for $0
- ✓Invoicing API available
- ✓Recurring invoices available
- ✓Unlimited 1099 tax filings
- ✓Access to Treasury with $250K balance
- ✓No monthly fees or account opening fees
- ✓Expense management features
- ✓Simple account structure for multi-business
When to choose Relay
Choose Relay if your team prioritizes its strengths over Mercury's. Full guidance populates as Relay's feature data is indexed.
When to choose Mercury
Choose Mercury if your team prioritizes its strengths over Relay's. Full guidance populates as Mercury's feature data is indexed.