Software Alternatives, Accelerators & Startups

LinkPay.io VS Mercury

Compare LinkPay.io VS Mercury and see what are their differences

LinkPay.io logo LinkPay.io

Deposit crypto with 0% fees, issue and top up your virtual cards, and start spending in $ and € with a 3% cashback for all purchases – it’s that easy. Experience LinkPay's next-gen virtual cards with an integrated payment gateway

Mercury logo Mercury

Mercury is banking* for startups
  • LinkPay.io sc1
    sc1 //
    2024-04-18

✅ Pay for any goods and services Google Ads, Facebook Ads, Twitter Ads, Bing Ads, TikTok Ads, Taboola, Amazon, Airbnb, OpenAI, DigitalOcean, Midjourney, Netflix, Spotify, World of Warcraft, Steam, and many others

✅ Receive payments in crypto and fiat Start accepting payments on your website within one hour. Hundreds of most popular digital and local currencies are supported, as well as Visa & Mastercard. Enjoy your personal payment gateway Virtual cards for all kind of payments Deposit funds into your account with 7+ most popular crypto currencies, issue and top-up your virtual cards, and start spending with 3% cashback – it’s that easy

✅ 3% cashback on all purchases ✅ 0% decline fees ✅ 0% deposit and withdrawal fees ✅ Refund policy: minimal withdrawal amount is just $10 ✅ USD & EUR accounts ✅ 24/7/365 online support

Team expense control at a new level ✅ Issue unlimited virtual credit cards (VCC), manage business expenses, and scale marketing campaigns in just a few clicks

✅ Up to 100 virtual cards for free ✅ Card-to-account refunds at no cost ✅ Secure access control system ✅ Up to 50 team members ✅ Detailed expense reports

Start accepting payments on your website within an hour with Merchant ✅ Universal payment processing for e-commerce with instant deposits to your account

✅ Receive payments from debit and credit cards worldwide ✅ Process payments in 100+ most popular crypto currencies ✅ Automatic settlements with lucrative terms ✅ Seamless integration

———

Welcome to LinkPay – your gateway to next-gen virtual cards

✅ 3% cashback on all purchases ✅ 0% decline fee ✅ 0% deposit fee ✅ 0% withdrawal fee ✅ Free Merchant account ✅ Free team management tools ✅ Free subscription-based cards ✅ Special terms for high expenses

  • Mercury Landing page
    Landing page //
    2023-06-17

Mercury offers banking* for startups — at any size or stage. With an intuitive product experience, founders can access free checking and savings accounts, debit and credit cards, domestic and international wire transfers, Treasury, venture debt, and more — and manage their business with confidence. Mercury also offers vibrant community programs that provide founders with the connections, advice, and resources to help them build the next great companies. Launched in 2019, Mercury is trusted by more than 100,000 startups. To learn more, visit Mercury.com.

*Mercury is a financial technology company, not a bank. All banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

LinkPay.io

Website
linkpay.io
Pricing URL
-
$ Details
freemium
Platforms
-
Release Date
-

Mercury

$ Details
free
Platforms
Web iOS Android
Release Date
2019 April

LinkPay.io features and specs

  • User-Friendly Interface
    LinkPay.io boasts a simple and intuitive user interface, making it easy for users of all levels to navigate and utilize the platform effectively.
  • Secure Transactions
    The platform uses advanced encryption and security protocols to safeguard users' financial information and ensure secure transactions.
  • Low Transaction Fees
    LinkPay.io offers competitive transaction fees, making it a cost-effective choice for individuals and businesses looking to process digital payments.
  • Cross-Platform Integration
    LinkPay.io integrates well with various payment systems and platforms, enhancing its versatility and utility for different user needs.

Possible disadvantages of LinkPay.io

  • Limited Global Reach
    LinkPay.io might have restrictions in certain countries, limiting its accessibility for international users.
  • Customer Support
    Some users have reported that customer support can be slow to respond or resolve issues, which could be frustrating in time-sensitive situations.
  • Complex Initial Setup
    While the interface is user-friendly, the initial setup process can be a bit complex for users without technical expertise.
  • Scalability Issues
    Some users have noted potential scalability issues when processing a high volume of transactions, which could impact business operations.

Mercury features and specs

  • Ease of Use
    Mercury offers a user-friendly interface that simplifies banking for startups and small businesses, making it easy to manage accounts, transfer funds, and monitor transactions.
  • No Monthly Fees
    Mercury does not charge monthly fees or require minimum balances, which is beneficial for new businesses trying to manage their finances effectively.
  • Automated Bookkeeping
    Mercury provides integrated bookkeeping tools, facilitating accounting processes by automatically syncing transactions with popular accounting software like QuickBooks and Xero.
  • FDIC Insured
    Mercury accounts are FDIC-insured up to $250,000 through its partner banks, providing peace of mind regarding the safety of your deposits.
  • Multiple User Accounts
    The platform allows multiple user accounts with customizable permissions, making it easier for teams to collaborate on financial management securely.

Possible disadvantages of Mercury

  • Limited Physical Presence
    Mercury operates entirely online, which can be a drawback for businesses that prefer or require in-person banking services.
  • No Cash Deposits
    Mercury does not support cash deposits, which can be inconvenient for businesses that deal with a significant amount of cash transactions.
  • Limited Lending Options
    Mercury offers fewer lending products compared to traditional banks, which might be a limitation for businesses seeking comprehensive financing solutions.
  • Customer Service
    While often responsive, customer service is primarily conducted through online channels, which some users may find less satisfactory compared to face-to-face interactions.
  • No International Wire Transfers
    Mercury does not support international wire transfers, which can be a significant limitation for businesses operating globally.

Analysis of Mercury

Overall verdict

  • Mercury is generally considered a good option for startups and tech companies that want a hassle-free banking solution with modern digital tools. It is particularly beneficial for those seeking an online-focused bank with no hidden fees.

Why this product is good

  • Mercury is an online bank that is designed specifically for startups and tech companies. They offer a range of features that cater to the needs of small businesses, such as seamless integration with accounting software, no monthly fees, and no minimum balance requirements. Additionally, Mercury provides a user-friendly digital interface, allowing entrepreneurs to manage their finances with ease. Their customer service is often praised for being responsive and helpful.

Recommended for

  • Startups
  • Tech companies
  • Small businesses looking for digital banking solutions
  • Entrepreneurs wanting a no-fee account

LinkPay.io videos

No LinkPay.io videos yet. You could help us improve this page by suggesting one.

Add video

Mercury videos

Mercury Movie Review - Prabhu Deva, Karthik Subburaj - Tamil Talkies

More videos:

  • Review - Mercury review by Prashanth
  • Review - Mercury 150 Four Stroke Review Performance Reliability One Year Later - Florida Sport Fishing TV

Category Popularity

0-100% (relative to LinkPay.io and Mercury)
Online Payments
18 18%
82% 82
Cryptocurrencies
100 100%
0% 0
Money Transfer
0 0%
100% 100
Virtual Credit Cards
100 100%
0% 0

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare LinkPay.io and Mercury

LinkPay.io Reviews

  1. ollomasan6999
    · ABE teacher at Clemens Markets ·
    They actually listened to our needs

    When we reached out, we had some specific requirements due to the hybrid nature of our business (part online, part physical POS). Most other providers wanted to push us into a standard template. LinkPay.io, on the other hand, asked questions, understood our goals, and helped us configure a solution that works seamlessly across platforms. Now we accept payments through QR codes in-store and online links via email. No more juggling systems. Great experience with the team so far.

    🏁 Competitors: Payoneer
    👍 Pros:    Various currencies
    👎 Cons:    Little slow
  2. delilahhimel858
    · Photographic processing machine operator at Endicott Shoes ·
    Smoothest integration I’ve used in a while

    As a developer, I appreciate well-documented APIs—and LinkPay.io has one of the cleanest I’ve worked with. Integrated their gateway into our mobile app within a day. Their sandbox environment helped us test edge cases with no issues, and the webhook reliability is top-tier. Whether you’re a tech lead or a solo founder, LinkPay is a dependable choice.

    🏁 Competitors: PayPal
    👍 Pros:    Smoothest
    👎 Cons:    Slow support
  3. sanfordpettway9
    · Finance Lead at SwiftPay Solutions ·
    Great for Startups

    As a small business owner, I needed a reliable payment gateway that wouldn't break the bank. LinkPay offers affordable transaction fees and solid security. I haven’t faced any major issues so far, but the verification process was a bit slow when I first signed up.

    🏁 Competitors: Transactor
    👍 Pros:    Affordable fees, secure transaction
    👎 Cons:    Slow verification process for new accounts

Mercury Reviews

  1. Veeresh G T
    · Founder at Vepapu ·
    The best for Non-Residents

    The best in the market for helping US non-residents get a checking bank account for their US companies. Mercury's secure experience takes founders to another level in their global journey.

    🏁 Competitors: Vepapu
    👍 Pros:    Free pricing|Place for non-residents

Social recommendations and mentions

Based on our record, Mercury seems to be more popular. It has been mentiond 36 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

LinkPay.io mentions (0)

We have not tracked any mentions of LinkPay.io yet. Tracking of LinkPay.io recommendations started around Apr 2024.

Mercury mentions (36)

  • Sonos CEO Patrick Spence steps down after app update debacle
    Interestingly, Mercury [0] is VC-backed, and their backend is entirely Haskell. In an interview [1], their CTO mentions that it’s actually quite easy to hire for Haskell, as the demand is much lower than the supply, and, as he slyly puts it, “interest in Haskell acts as a decent proxy for baseline developer quality.” So while the pool is larger for JS/TS and Python, that may not always be beneficial. [0]:... - Source: Hacker News / 5 months ago
  • Haskell vs. Ada vs. C++ vs. an Experiment in Software Prototyping Productivity [pdf]
    I work on one of the largest Haskell codebases in the world that I know of (https://mercury.com/). We're in the ballpark of 1.5 million lines of proprietary code built and deployed as effectively a single executable, and of course if you included open source libraries and stuff that we have built or depend on, it would be larger. I can't really speak to your problem domain, but I feel like we do a lot with what we... - Source: Hacker News / 6 months ago
  • Privacy/secruity experience with RBFCU? (Randolph Brooks Credit Union)
    Not just a fintech front for a privacy dis-respecting bank (like Mercury business banking for example). Source: over 1 year ago
  • The Meaning of Monad in MonadTrans
    Mercury (https://mercury.com/) uses Haskell extensively for pretty much all of its backend systems. It’s a great general purpose language. - Source: Hacker News / almost 2 years ago
  • Wise or Payoneer?
    He claims it's totally legal https://mercury.com/. Source: almost 2 years ago
View more

What are some alternatives?

When comparing LinkPay.io and Mercury, you can also consider the following products

MyBrocard - Brocard allows you to create an unlimited number of virtual cards for paying for advertising and other online payments, manage a team of buyers, choose from 20+ bins for various tasks, and enjoy convenient API for integrations.

Brex - The first corporate card for startups

e.pn - Virtual cards for any advertising accounts and personal purchases

Wise - Currency exchange Banks and other providers could charge you up to 5% in hidden costs when sending ...

PST.NET - Virtual payment cards for online shopping and advertising

PENTA - A free and beautiful business bank account in Germany 😍🇩🇪