specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Mercury
providerId: mercury
created: '2026-05-08'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-08, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-08'
reconciled: true
tags:
  - Banking
  - Fintech
  - Startups
  - Treasury
  - Payments
  - FinOps
  - FOCUS
description: >-
  FOCUS-aligned FinOps for Mercury. Cost is dominated by three streams - a flat monthly
  product subscription (Mercury free, Plus $35/mo, Pro $350/mo), per-transaction fees on
  certain invoicing payments (e.g. Plus charges $1 per ACH invoice payment, free on Pro),
  and outbound wire fees for international wires and certain domestic flows. Treasury
  yields offset cost as a credit. The API itself is not separately metered; usage limits
  apply to invoicing-API calls and active-user counts on reimbursements.
sources:
  - https://mercury.com/pricing
  - https://docs.mercury.com/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Mercury Technologies, Inc.
serviceCategory: Banking
billingModel:
  pricingCategory: Subscription + Per-Transaction Fees
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Purchase
    - Usage
    - Adjustment
    - Tax
    - Credit
focusColumns:
  ServiceName: Mercury
  ServiceCategory: Banking
  ProviderName: Mercury
  PublisherName: Mercury Technologies, Inc.
  InvoiceIssuerName: Mercury Technologies, Inc.
  BillingCurrency: USD
  ChargeCategory: Purchase
meters:
  - name: subscription_fee
    description: >-
      Recurring monthly or annual subscription for the active product tier (Free,
      Plus, or Pro).
    unit: month
    aggregation: sum
    dimensions:
      - plan_tier
      - billing_cycle
  - name: ach_invoice_payment
    description: >-
      Per-payment fee on inbound ACH invoice payments for the Plus tier
      ($1 per payment); waived on Pro.
    unit: payment
    aggregation: sum
    dimensions:
      - plan_tier
  - name: outbound_wire
    description: >-
      Outbound wire fees for international wires and certain domestic non-included
      wire types.
    unit: wire
    aggregation: sum
    dimensions:
      - wire_type
      - destination_country
  - name: card_interchange_credit
    description: >-
      Cashback/rewards credit applied against corporate card spend (offsets cost on
      qualifying transactions).
    unit: transaction
    aggregation: sum
    dimensions:
      - card_id
      - merchant_category
  - name: treasury_yield
    description: >-
      Yield credit accrued on Mercury Treasury balances; appears as an account
      credit and reduces effective cost.
    unit: USD
    aggregation: sum
    dimensions:
      - account_id
      - portfolio
principles:
  - name: Visibility
    description: >-
      Pull statements via the Statements API and use the Transactions API to
      categorize fee, wire, and card spend; treasury yield appears as a credit
      entry on the linked treasury account.
  - name: Allocation
    description: >-
      Tag transactions with the note field on payment creation, and assign cards
      to spend owners. Use webhooks to land transaction events into a finops or
      ledger store at near-real-time.
  - name: Optimization
    description: >-
      Choose the lowest tier that satisfies your invoicing-API and reimbursement-user
      needs. Prefer ACH over wire where speed allows. Park idle cash in Mercury
      Treasury to convert float to yield.
  - name: Accountability
    description: >-
      Assign a finance owner per Mercury account. Rotate API tokens via Settings and
      keep the IP allowlist current to prevent unauthorized API spend on outbound
      payments.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com