Mercury vs Xendit
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Mercury and Xendit are credible expense management tools, and the right pick comes down to your priorities.
Choose Mercury if you want a higher overall rating (4.7/5). Banking built for startups.
Xendit — Payments for Southeast Asia.
Mercury vs Xendit: side by side
| Dimension | Mercury | Xendit |
|---|---|---|
| Starting price | Free | Free |
| Free plan | Yes | Yes |
| Pricing model | Free | Usage-based |
| Best for | Startups | Sea Business, Developers |
| Platforms | Web, Ios, Android | Web, Api |
| Rating | 4.7/5Winner | 4.5/5 |
Mercury key facts
- Vendor
- Mercury
- Pricing
- Free — Free
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Startups
- Editor rating
- 4.7 / 5
- Founded
- 2017
- Headquarters
- San Francisco, CA, USA
Xendit key facts
- Vendor
- Xendit
- Pricing
- Usage-based — Free
- Free tier
- Yes
- Platforms
- Web, Api
- Best for
- Sea Business, Developers
- Editor rating
- 4.5 / 5
- Founded
- 2014
- Headquarters
- Jakarta, Indonesia
Frequently asked questions
Is Mercury better than Xendit?
Neither is universally better — Mercury edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Mercury or Xendit cheaper?
Mercury is the more affordable of the two to get started, at free. Mercury starts at free; Xendit starts at free.
Can Mercury replace Xendit?
Yes for most teams — both are expense management tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.