---
title: "6 Mercury alternatives for events (2026)"
description: "The best Mercury alternatives for promoters, venues and festivals, compared on fees, features and support."
canonical: "https://www.ticketfairy.com/compare/banking/mercury-alternatives"
---

1. [Ticket Fairy](https://www.ticketfairy.com/)
2. [Compare](https://www.ticketfairy.com/compare)
3. [Banking](https://www.ticketfairy.com/compare/banking)
4. Mercury alternatives for events

# Mercury alternatives for events

Mercury is a financial technology company that offers US business accounts, cards and bill pay, with a free base plan. You may look for an alternative when you pay artists and crew in several currencies, when your company is formed outside the US, or when you want each payment tied to an event's bookings.

  [Book a demo](https://www.ticketfairy.com/event-ticketing/book-a-demo) [Get started free](https://manage.ticketfairy.com/welcome?utm_source=compare&utm_campaign=compare-banking-mercury-alternatives)

Ticket Fairy publishes this comparison and also sells event ticketing and event management software. Vault is part of Ticket Fairy, a fintech company, not a bank. [How we compare platforms](https://www.ticketfairy.com/compare/methodology)

- **6** alternatives to Mercury
- **5 of 5** of the things you need, included on Ticket Fairy
- **4 of 5** of the things you need, confirmed on the published pages of Mercury

## Which should you choose?

### Where Ticket Fairy is stronger

- You get a suggested list of who you owe for each event from your artist and supplier bookings, with the amounts filled in.[1](#source-1)
- You can set crew cards to work around your event dates with a daily limit, and each card payment shows the event it was for.[2](#source-2)
- You can pay artists and suppliers from your ticket money in Vault before your payout arrives.[3](#source-3)

### Where Mercury is stronger

- ACH payments and domestic wires are free to send and receive.[4](#source-4)
- Mercury states 99.6% of domestic payments sent in 2025 arrived in one business day or less.[5](#source-5)
- Corporate credit cards earn 1.5% cashback.[6](#source-6)

Ticket Fairy is the better fit when you want to pay what you owe for each event from the ticket money you hold. Mercury remains the better fit when you are a US company that wants free domestic transfers and a free base plan.

## How do the Mercury alternatives compare?

Scroll sideways to see all 7 platforms.

| What you need | Ticket Fairy | BILL | Brex | Mercury | Ramp | Tipalti | Wise Business |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Holding money |  |  |  |  |  |  |  |
| Currency conversion | Included[3](#source-3) The rate and fee show beside the mid-market rate before you agree to convert | Included[7](#source-7) No BILL fee for international FX wires or Local Transfers; exchange rate shown at the time of payment | Included[8](#source-8) Card FX markup up to 3% over wholesale; wire FX rate chosen by Brex. | Included[9](#source-9) 1% fee on non-USD wires; live rate shown before sending | Included[10](#source-10) Pays vendors in local currency via Wise at market-competitive rates, no added transaction fee; estimate shown before payment | Included[11](#source-11) Conversion shows converted amount and rate used; FX fee applies | Included[12](#source-12) Converts at the mid-market rate; conversion fee shown separately, from 0.24% |
| Spending and paying |  |  |  |  |  |  |  |
| Cards for your team | Included[2](#source-2) You can give each team member virtual and physical cards in their name, with limits and event dates | Included[13](#source-13) Physical and virtual cards with limits and rules; free Spend & Expense plan Plans: BILL Spend & Expense ($0 per user per month) | Included[14](#source-14) Physical and virtual Mastercard cards with spend limits by category and merchant. | Included[15](#source-15) Virtual and physical debit and credit cards with spend limits and merchant locks | Included[16](#source-16) Unlimited physical and virtual Visa cards with category, vendor and spend limit controls on Free plan | Included[17](#source-17) Virtual and physical cards with budgets; by default, Tipalti blocks card payments more than 15% over budget | Included[18](#source-18) Physical and digital team cards with spending limits per person, card or group |
| Pay many people at once | Included[1](#source-1) Your line-up and crew get paid in one batch, or from a spreadsheet | Included[19](#source-19) API pays up to 50 bills per request | Included[20](#source-20) Bill pay groups invoices and schedules payments in a single batch. | Not found in Mercury's public documentation[21](#source-21) The API pays many recipients by sending one payment to each in turn | On a paid plan[22](#source-22) Auto-batching combines up to 500 bills per vendor; payment runs group payments for review and release Plans: Plus | Included[23](#source-23) Pay many payees at once by CSV payment file or REST API | Included[24](#source-24) Batch payments: up to 1,000 payments from one CSV or XLSX file |
| A second person approves payments | Included[1](#source-1) Payments can need a second person before they go | On a paid plan[25](#source-25) Approval workflows on all AP plans; custom policies on Corporate and Enterprise Plans: Essentials and above (custom policies: Corporate, Enterprise) | Included[26](#source-26) Multi-approver chains with thresholds for outgoing business account payments. | Included[27](#source-27) Approval policies by amount and approver; multi-layered bill approvals | Included[28](#source-28) Configurable multi-step bill approval chains with conditions; payment release approvals on Plus | Included[29](#source-29) Bill approval rules with amount tiers and multi-approver chains | Included[30](#source-30) Payment approvals by 1 or 2 team members, for all payments or above an amount |
| Who you owe |  |  |  |  |  |  |  |
| How you find out who you owe | Included[1](#source-1) You can see who you owe for each event, suggested from your artist and supplier bookings | Included[31](#source-31) Centralized bills inbox, AI capture of invoice fields, BILL vendor network | Included[32](#source-32) Invoices forwarded, emailed or uploaded; AI captures details and drafts payment. | Included[33](#source-33) Bill inbox that reads the invoices you forward or upload; vendor records | Included[34](#source-34) Invoice OCR, dedicated AP email inbox, CSV upload, ERP bill import and vendor records synced from accounting | Included[35](#source-35) Bills come in by email inbox, AI invoice scanning or supplier portal | Included[36](#source-36) You add invoices by upload, by email forwarding (AI reads them) or by accounting-software sync |

## What else should you know about moving from Mercury?

What is the best Mercury alternative for event businesses?:  Ticket Fairy suits you if you sell tickets with it: your ticket money goes into Vault, where you see who you owe for each event, suggested from your bookings. Wise Business suits businesses paid in many currencies, and Ramp and Brex suit teams that want many cards with spend controls. [3](#source-3) [1](#source-1) [37](#source-37) [38](#source-38) [39](#source-39)

Which Mercury alternatives pay in many currencies?:  Wise Business holds and converts 49 currencies, Tipalti pays vendors in 200+ countries using 120 currencies, and Brex lists payments in 30+ local currencies. With Vault in Ticket Fairy, you can hold a balance in each currency you sell tickets in, and Mercury pays vendors in 40+ local currencies at a 1% exchange fee. [37](#source-37) [40](#source-40) [41](#source-41) [3](#source-3) [42](#source-42)

How do Mercury exchange fees compare with its alternatives?:  Mercury charges a 1% exchange fee on non-USD wires and shows the live rate before you send. Wise Business converts at the mid-market rate with its fee shown separately from 0.24%, and Ticket Fairy shows the rate and fee beside the mid-market rate before you convert. [43](#source-43) [44](#source-44) [3](#source-3)

Which Mercury alternatives have a free plan?:  Ramp publishes a Free plan at $0 per user per month, Brex plans start at $0 per user, and BILL Spend & Expense is $0 per user. The Mercury base plan is also $0 a month, and Tipalti states it does not offer a free tier. [45](#source-45) [46](#source-46) [47](#source-47) [48](#source-48) [49](#source-49)

Can a second person approve payments on Mercury alternatives?:  Yes. Ticket Fairy can require a second person to send every payment from Vault, Wise Business lets 1 or 2 team members approve, and Brex, BILL and Tipalti support chains of approvers. [1](#source-1) [50](#source-50) [51](#source-51) [52](#source-52) [53](#source-53)

Can you export your Mercury transactions?:  Yes. Mercury lets you download your transactions as CSV, and offers monthly statements from the Documents tab, and a direct sync to accounting platforms. [54](#source-54)

## What are the best Mercury alternatives?

### Where do teams go from Mercury, and what changes?

Moving from **Mercury**

- **Ticket Fairy** Covers the same things you need
- **Wise Business** Covers the same things you need
- **Ramp** Covers the same things you need
- **Brex** Covers the same things you need
- **BILL** Covers the same things you need
- **Tipalti** Covers the same things you need

Each alternative is set against what Mercury gives you today.

1. ### 1\. Ticket Fairy
     Built for events  
   Your ticket money goes into Vault, so you can pay the artists, suppliers and crew for each event straight from it, with a second person approving when you want one.

   - You get a suggested list of who you owe for each event from your artist and supplier bookings, with the amounts filled in.[1](#source-1)
   - Before you convert, Vault shows you the rate and the fee beside the mid-market rate, so you know the cost first.[3](#source-3)
   - You can require a second person to send every payment from Vault.[1](#source-1)
   - You can set crew cards to work around your event dates with a daily limit, and each card payment shows the event it was for.[2](#source-2)

   #### Only on Ticket Fairy

   - **Pay from your event bookings** You can pay artist fees, deposits and supplier quotes at the amounts already filled in from your event's bookings [1](#source-1)
   - **Sell tickets in the same system** You can pay artists and suppliers from your ticket money in Vault before your payout arrives [3](#source-3)
      [Book a demo](https://www.ticketfairy.com/event-ticketing/book-a-demo) [Get started free](https://manage.ticketfairy.com/welcome?utm_source=compare&utm_campaign=compare-banking-mercury-alternatives)  
   [Banking compared](https://www.ticketfairy.com/compare/banking)
2. ### 2\. Wise Business

   Wise Business suits you if you hold and convert many currencies and pay in batches, with no monthly subscription.

   **Pricing:** Free to register; one-time 50 GBP setup fee for local account details and all Business features; no monthly subscription; per-transaction fees such as sending and converting from 0.24% (UK pricing).[55](#source-55)

   - Hold and convert 49 currencies in one account[37](#source-37)
   - Batch payments: up to 1,000 payments from one CSV or XLSX file[56](#source-56)
   - Wise states 70% of transfers arrive in 20 seconds and 95% in under 24 hours (as of Q3 2025).[57](#source-57)

   **Worth knowing:** You set up batch payments on the Wise website.[58](#source-58)

   [Wise Business vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-wise-business)
3. ### 3\. Ramp

   Ramp suits you if you want unlimited cards for your team on a free plan and bill payments batched per vendor.

   **Pricing:** Per-user monthly subscription: Free ($0), Plus ($15/user/month plus a team-size platform fee, 20% off annually), Enterprise (custom, annual). Bill Pay payment-method fees billed monthly.[59](#source-59)

   - Ramp publishes a Free plan at $0 per user per month.[45](#source-45)
   - Ramp lists unlimited physical and virtual cards in its plans.[38](#source-38)
   - Ramp batches bill payments per vendor, up to 500 bills in each batch.[60](#source-60)

   **Worth knowing:** International SWIFT USD bill payments cost $20 per transaction when funded from an external bank account.[61](#source-61)

   [Ramp vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-ramp) [Ramp alternatives](https://www.ticketfairy.com/compare/banking/ramp-alternatives)
4. ### 4\. Brex

   Brex suits you if you want cards your crew can use worldwide and spend limits in over 100 currencies.

   **Pricing:** Per user per month: Essentials $0, Premium $12; Enterprise and Smart Card at custom pricing. Some products carry associated fees.[62](#source-62)

   - Brex issues physical and virtual Mastercard cards accepted in 210+ countries and territories.[39](#source-39)
   - You can manage budgets and spending limits in over 100 currencies.[63](#source-63)
   - Admins can add one or more approvers with threshold amounts for outgoing business account payments.[51](#source-51)

   **Worth knowing:** Card transactions in a currency other than the billing currency carry an FX rate markup of up to 3%.[64](#source-64)

   [Brex vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-brex)
5. ### 5\. BILL

   BILL suits you if your finance team wants accounts payable with approval policies and a large vendor network.

   **Pricing:** AP & AR subscriptions per user per month (Essentials $49, Team $65, Corporate $89, Enterprise custom); Spend & Expense $0 per user; per-transaction payment fees.[65](#source-65)

   - Approval policies set which transactions need approval, by whom, and whether in sequence.[52](#source-52)
   - BILL states 8M+ vendors are reachable through the BILL network.[66](#source-66)
   - BILL AI codes multi-line bills and captures key invoice fields, which BILL states at 99% accuracy.[67](#source-67)

   **Worth knowing:** AP & AR plans are priced per user per month: Essentials $49, Team $65, Corporate $89, Enterprise custom pricing.[68](#source-68)

   [BILL vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-bill)
6. ### 6\. Tipalti

   Tipalti suits you if you pay many payees worldwide and want their tax IDs checked.

   **Pricing:** Base platform subscription plus transaction fees; AP plans from USD 99/month, Mass Payments from USD 249/month; custom quote via sales.[69](#source-69)

   - Tipalti pays vendors in 200+ countries using 120 currencies and 50+ payment methods.[40](#source-40)
   - Tipalti validates tax IDs across 62 countries against 3,000+ rules.[70](#source-70)
   - Mass Payments plans start at USD 249 per month and include unlimited users and a payee portal.[71](#source-71)

   **Worth knowing:** Tipalti states it does not offer a free tier.[49](#source-49)

   [Tipalti vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-tipalti)

## When should you stay with Mercury?

Mercury remains the better fit when you are a US company that sends mostly domestic payments, since ACH and domestic wires are free, or when you want cashback on corporate cards.

- ACH payments and domestic wires are free to send and receive.[4](#source-4)
- Corporate credit cards earn 1.5% cashback.[6](#source-6)
- Payments made with Mercury Bill Pay carry no charge.[72](#source-72)

## What else are you comparing?

- [Mercury vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-mercury)
- [Wise Business vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-wise-business)
- [Ramp vs Ticket Fairy](https://www.ticketfairy.com/compare/banking/ticket-fairy-vs-ramp)
- [Ramp alternatives](https://www.ticketfairy.com/compare/banking/ramp-alternatives)
- [Brex vs Mercury for events](https://www.ticketfairy.com/compare/banking/brex-vs-mercury-for-events)
- [Best business accounts and cards for event companies](https://www.ticketfairy.com/compare/banking/best-business-accounts-and-cards-for-event-companies)
- [Questions about paying artists and suppliers from ticket money](https://www.ticketfairy.com/compare/banking/questions)
- [Banking compared](https://www.ticketfairy.com/compare/banking)

## Where does each fact come from?

Every fact about another company comes from its own published pages, quoted word for word. Where we did not find something in those pages, we say exactly that. [How we compare platforms](https://www.ticketfairy.com/compare/methodology)

1. Ticket Fairy [You settle each event's artists, suppliers and crew at once](https://www.ticketfairy.com/features/vault/paying-artists-suppliers-and-crew)
2. Ticket Fairy [You pay suppliers on the day and take deposits online](https://www.ticketfairy.com/features/vault/cards-invoices-and-payment-links)
3. Ticket Fairy [You pay artists and suppliers from ticket money you hold](https://www.ticketfairy.com/features/vault/vault-account-and-balances)
4. Mercury ACH payments and domestic wires are free to send and receive. "Yes — both ACH payments and domestic wires are free to send and receive on Mercury."  [mercury.com/business-payments](https://mercury.com/business-payments), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009161702/https://mercury.com/business-payments)
5. Mercury Mercury states 99.6% of domestic payments sent in 2025 arrived in one business day or less. "99.6% of domestic payments sent on Mercury in 2025 arrived in ≤ 1 business day."  [mercury.com/business-payments](https://mercury.com/business-payments), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009161702/https://mercury.com/business-payments)
6. Mercury Corporate credit cards earn 1.5% cashback. "1.5% cashback"  [mercury.com/pricing](https://mercury.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261016062351/https://mercury.com/pricing)

  Show all 72 sources

7. BILL Currency conversion "Exchange Rate Disclosed at time of transaction and/or on the BILL website."  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
8. Brex Currency conversion "When you transact in a different currency from your billing currency, Brex applies a FX rate markup of up to 3%"  [www.brex.com/support/using-brex-internationally](https://www.brex.com/support/using-brex-internationally), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260910034215/https://www.brex.com/support/using-brex-internationally)
9. Mercury Currency conversion "There is a 1% conversion fee for non-USD international wires."  [mercury.com/pricing](https://mercury.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261016062351/https://mercury.com/pricing)
10. Ramp Currency conversion "We partner with Wise to provide market competitive exchange rates with no additional transaction fees."  [ramp.com/international-payments-pricing](https://ramp.com/international-payments-pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260729172505/https://ramp.com/international-payments-pricing)
11. Tipalti Currency conversion "The Converted amount displays along with the used conversion rate."  [help.tipalti.com/hc/en-us/articles/30607325069975-Manage-currency-conversions](https://help.tipalti.com/hc/en-us/articles/30607325069975-Manage-currency-conversions), read on 17 October 2026.
12. Wise Business Currency conversion "Convert between currencies in seconds at the mid-market rate."  [wise.com/gb/business/receive-money](https://wise.com/gb/business/receive-money), read on 17 October 2026.
13. BILL Cards for your team "Create physical or virtual cards for teams with limits and rules baked in."  [www.bill.com/product/spend-and-expense](https://www.bill.com/product/spend-and-expense), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260928153601/https://www.bill.com/product/spend-and-expense)
14. Brex Cards for your team "Physical and virtual cards issued on the leading worldwide network, Mastercard, with acceptance in 210+ countries and territories."  [www.brex.com/product/credit-card](https://www.brex.com/product/credit-card), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261003223838/https://www.brex.com/product/credit-card)
15. Mercury Cards for your team "Custom spend limits and merchant-locked cards"  [mercury.com/pricing](https://mercury.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261016062351/https://mercury.com/pricing)
16. Ramp Cards for your team "Unlimited physical and virtual cards"  [ramp.com/pricing](https://ramp.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009123004/https://ramp.com/pricing)
17. Tipalti Cards for your team "The Cards tab on the Tipalti Hub is where you create physical and virtual cards, and manage your cards and transactions."  [help.tipalti.com/hc/en-us/articles/30607334815767-Manage-cards](https://help.tipalti.com/hc/en-us/articles/30607334815767-Manage-cards), read on 17 October 2026.
18. Wise Business Cards for your team "Set spending limits for individuals, cards, or groups, so teams can spend confidently."  [wise.com/gb/business/card](https://wise.com/gb/business/card), read on 17 October 2026.
19. BILL Pay many people at once "to pay up to 50 bills with one API request."  [developer.bill.com/docs/ap-bulk-payments](https://developer.bill.com/docs/ap-bulk-payments), read on 17 October 2026.
20. Brex Pay many people at once "Approvers can review, adjust, and schedule payments in a single batch, to save time and effort."  [www.brex.com/product/bill-pay](https://www.brex.com/product/bill-pay), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261001180532/https://www.brex.com/product/bill-pay)
21. Mercury Pay many people at once "To pay multiple recipients, cycle through your recipient list and send one payment per recipient from your own system" Where we looked: mercury.com/pricing, /business-banking, /business-payments, /faq, /bill-pay, /spend-management, /api, /accounting-integrations, /invoicing, /treasury, /credit, /blog/november-2025-product-updates, docs.mercury.com/docs/send-money; site search.  [docs.mercury.com/docs/send-money](https://docs.mercury.com/docs/send-money), read on 17 October 2026.
22. Ramp Pay many people at once "Available on Ramp Plus."  [support.ramp.com/batch-payments-on-ramp-bill-pay.md](https://support.ramp.com/batch-payments-on-ramp-bill-pay.md), read on 17 October 2026.
23. Tipalti Pay many people at once "Payments can be made either by submitting a payment file (csv) to multiple payees at once"  [help.tipalti.com/hc/en-us/articles/30607332554007-Submit-payments](https://help.tipalti.com/hc/en-us/articles/30607332554007-Submit-payments), read on 17 October 2026.
24. Wise Business Pay many people at once "You can create up to 1,000 payments with a single .CSV or .XLSX file."  [wise.com/help/articles/2663240/guide-to-batch-payments](https://wise.com/help/articles/2663240/guide-to-batch-payments), read on 17 October 2026.
25. BILL A second person approves payments "Custom approval policies Not included Not included Included Included"  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
26. Brex A second person approves payments "Account admins and other users with the specific product capability can add one or more approvers and customize the threshold amount of your policy for outgoing payments"  [www.brex.com/support/brex-business-account-payment-approvals](https://www.brex.com/support/brex-business-account-payment-approvals), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260820224004/https://www.brex.com/support/brex-business-account-payment-approvals)
27. Mercury A second person approves payments "You can set approval policies based on dollar amounts and choose who can approve payments."  [mercury.com/business-payments](https://mercury.com/business-payments), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009161702/https://mercury.com/business-payments)
28. Ramp A second person approves payments "Configurable approval workflows"  [ramp.com/pricing](https://ramp.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009123004/https://ramp.com/pricing)
29. Tipalti A second person approves payments "Optional approval chains (multiple approvers per tier)"  [help.tipalti.com/hc/en-us/articles/39116143009431-Set-up-bill-approvals-and-controls](https://help.tipalti.com/hc/en-us/articles/39116143009431-Set-up-bill-approvals-and-controls), read on 17 October 2026.
30. Wise Business A second person approves payments "You can also choose for payments to require approval by 1 or 2 people."  [wise.com/help/articles/4j9ugqMIeADd89uqy8VRMB/how-do-payment-approvals-work](https://wise.com/help/articles/4j9ugqMIeADd89uqy8VRMB/how-do-payment-approvals-work), read on 17 October 2026.
31. BILL How you find out who you owe "Manage bills from a centralized inbox"  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
32. Brex How you find out who you owe "Easily import your invoices by forwarding, emailing, or uploading, including bulk uploads. Then Brex AI will capture every itemized detail, suggest the matching PO, and draft a payment."  [www.brex.com/product/bill-pay](https://www.brex.com/product/bill-pay), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261001180532/https://www.brex.com/product/bill-pay)
33. Mercury How you find out who you owe "Forward or upload an invoice — our built-in OCR will extract and auto-fill the key details."  [mercury.com/business-payments](https://mercury.com/business-payments), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009161702/https://mercury.com/business-payments)
34. Ramp How you find out who you owe "Ramp uses Optical Character Recognition (OCR) to scan and parse invoices, extracting key details and automatically populating draft bills."  [support.ramp.com/ramp-bill-pay-ocr.md](https://support.ramp.com/ramp-bill-pay-ocr.md), read on 17 October 2026.
35. Tipalti How you find out who you owe "Create an email inbox to receive invoices. Tipalti uploads invoices sent to this email to Bills as Pending review."  [help.tipalti.com/hc/en-us/articles/39112824089111-Set-up-bill-intake](https://help.tipalti.com/hc/en-us/articles/39112824089111-Set-up-bill-intake), read on 17 October 2026.
36. Wise Business How you find out who you owe "Add invoices by uploading, emailing or syncing with your accounting software. All you have to do is review and send."  [wise.com/gb/business/send-payments](https://wise.com/gb/business/send-payments), read on 17 October 2026.
37. Wise Business Hold and convert 49 currencies in one account "Hold and convert 49 currencies"  [wise.com/gb/business/send-payments](https://wise.com/gb/business/send-payments), read on 17 October 2026.
38. Ramp Ramp lists unlimited physical and virtual cards in its plans. "Unlimited physical and virtual cards"  [ramp.com/pricing](https://ramp.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009123004/https://ramp.com/pricing)
39. Brex Brex issues physical and virtual Mastercard cards accepted in 210+ countries and territories. "Physical and virtual cards issued on the leading worldwide network, Mastercard, with acceptance in 210+ countries and territories."  [www.brex.com/product/credit-card](https://www.brex.com/product/credit-card), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261003223838/https://www.brex.com/product/credit-card)
40. Tipalti Tipalti pays vendors in 200+ countries using 120 currencies and 50+ payment methods. "Reach vendors in 200+ countries using 120 currencies and 50+ payment methods"  [tipalti.com/mass-payments/multi-fx/](https://tipalti.com/mass-payments/multi-fx/), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261011184046/https://tipalti.com/mass-payments/multi-fx/)
41. Brex The Brex business account lists payments in 30+ local currencies. "Make payments in 30+ local currencies"  [www.brex.com/product/business-account](https://www.brex.com/product/business-account), read on 17 October 2026.
42. Mercury You can pay vendors in 40+ local currencies at a 1% exchange fee, or by USD international wire for free. "Pay global vendors in 40+ local currencies for a transparent 1% currency exchange fee, or send international wires in USD for free."  [mercury.com/business-banking](https://mercury.com/business-banking), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260915045004/https://mercury.com/business-banking)
43. Mercury 1% fee on non-USD wires; live rate shown before sending "There is a 1% conversion fee for non-USD international wires."  [mercury.com/pricing](https://mercury.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261016062351/https://mercury.com/pricing)
44. Wise Business Converts at the mid-market rate; conversion fee shown separately, from 0.24% "Convert between currencies in seconds at the mid-market rate."  [wise.com/gb/business/receive-money](https://wise.com/gb/business/receive-money), read on 17 October 2026.
45. Ramp Ramp publishes a Free plan at $0 per user per month. "$0/mo/user"  [ramp.com/pricing](https://ramp.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009123004/https://ramp.com/pricing)
46. Brex Brex plans start at $0 per user per month, with more advanced features at $12 per user per month. "Plans start at $0 per user, per month, and more advanced features are available for $12 per user, per month."  [www.brex.com/pricing](https://www.brex.com/pricing), read on 17 October 2026.
47. BILL BILL Spend & Expense is $0 per user per month and includes corporate cards, budgets and expense tracking. "the BILL Spend & Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking, and access to credit lines from $1,000-$5M."  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
48. Mercury Banking and essential tools are $0 per month, with paid plans available. "Banking services and essential tools are always $0/mo — with more plans available as your business grows."  [mercury.com/pricing](https://mercury.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261016062351/https://mercury.com/pricing)
49. Tipalti Tipalti states it does not offer a free tier. "No. Tipalti does not offer a free tier."  [tipalti.com/pricing/](https://tipalti.com/pricing/), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261011061107/https://tipalti.com/pricing/)
50. Wise Business Payment approvals by 1 or 2 team members, for all payments or above an amount "You can also choose for payments to require approval by 1 or 2 people."  [wise.com/help/articles/4j9ugqMIeADd89uqy8VRMB/how-do-payment-approvals-work](https://wise.com/help/articles/4j9ugqMIeADd89uqy8VRMB/how-do-payment-approvals-work), read on 17 October 2026.
51. Brex Admins can add one or more approvers with threshold amounts for outgoing business account payments. "Account admins and other users with the specific product capability can add one or more approvers and customize the threshold amount of your policy for outgoing payments"  [www.brex.com/support/brex-business-account-payment-approvals](https://www.brex.com/support/brex-business-account-payment-approvals), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260820224004/https://www.brex.com/support/brex-business-account-payment-approvals)
52. BILL Approval policies set which transactions need approval, by whom, and whether in sequence. "Choose which transactions need to be approved, who needs to approve them, and if the approvals can be made sequentially or non-sequentially."  [www.bill.com/product/payment-approvals](https://www.bill.com/product/payment-approvals), read on 17 October 2026.
53. Tipalti Bill approval rules support amount tiers with optional chains of multiple approvers. "Optional approval chains (multiple approvers per tier)"  [help.tipalti.com/hc/en-us/articles/39116143009431-Set-up-bill-approvals-and-controls](https://help.tipalti.com/hc/en-us/articles/39116143009431-Set-up-bill-approvals-and-controls), read on 17 October 2026.
54. Mercury CSV file downloads of transactions for upload to any accounting platform, monthly statements from the Documents tab, and direct sync to QuickBooks Online, Xero and NetSuite. "CSV file downloads are available, which you can upload to your accounting platform of choice."  [mercury.com/faq](https://mercury.com/faq), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261004160703/https://mercury.com/faq)
55. Wise Business Pricing "One-time £50.00 setup fee applies to get local account details. No monthly subscription fees."  [wise.com/gb/business/send-payments](https://wise.com/gb/business/send-payments), read on 17 October 2026.
56. Wise Business Batch payments: up to 1,000 payments from one CSV or XLSX file "You can create up to 1,000 payments with a single .CSV or .XLSX file."  [wise.com/help/articles/2663240/guide-to-batch-payments](https://wise.com/help/articles/2663240/guide-to-batch-payments), read on 17 October 2026.
57. Wise Business Wise states 70% of transfers arrive in 20 seconds and 95% in under 24 hours (as of Q3 2025). "70% arrive in 20 seconds and 95% in under 24 hours."  [wise.com/gb/business/](https://wise.com/gb/business/), read on 17 October 2026.
58. Wise Business You set up batch payments on the Wise website. "You can only set up a batch payment on the website."  [wise.com/help/articles/2663240/guide-to-batch-payments](https://wise.com/help/articles/2663240/guide-to-batch-payments), read on 17 October 2026.
59. Ramp Pricing "$15/mo/user"  [ramp.com/pricing](https://ramp.com/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261009123004/https://ramp.com/pricing)
60. Ramp Ramp batches bill payments per vendor, up to 500 bills in each batch. "Ramp cannot batch a payment across multiple vendors (e.g. a single debit and multiple credits)."  [support.ramp.com/batch-payments-on-ramp-bill-pay.md](https://support.ramp.com/batch-payments-on-ramp-bill-pay.md), read on 17 October 2026.
61. Ramp International SWIFT USD bill payments cost $20 per transaction when funded from an external bank account. "International wire (SWIFT USD) payments: $20 per transaction"  [support.ramp.com/bill-pay-fees.md](https://support.ramp.com/bill-pay-fees.md), read on 17 October 2026.
62. Brex Pricing "Plans start at $0 per user, per month, and more advanced features are available for $12 per user, per month."  [www.brex.com/pricing](https://www.brex.com/pricing), read on 17 October 2026.
63. Brex You can manage budgets and spending limits in over 100 currencies. "Manage budgets and spend limits in over 100 currencies"  [www.brex.com/product/global](https://www.brex.com/product/global), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261003223901/https://www.brex.com/product/global)
64. Brex Card transactions in a currency other than the billing currency carry an FX rate markup of up to 3%. "When you transact in a different currency from your billing currency, Brex applies a FX rate markup of up to 3%"  [www.brex.com/support/using-brex-internationally](https://www.brex.com/support/using-brex-internationally), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20260910034215/https://www.brex.com/support/using-brex-internationally)
65. BILL Pricing "Essentials $49 user/month"  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
66. BILL BILL states 8M+ vendors are reachable through the BILL network. "Securely connect with 8M+ vendors via the BILL network"  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
67. BILL BILL AI codes multi-line bills and captures key invoice fields, which BILL states at 99% accuracy. "BILL AI automatically codes multi line items bills reducing manual time by 20%\* while capturing key invoice fields with 99% accuracy."  [www.bill.com/product/accounts-payable](https://www.bill.com/product/accounts-payable), read on 17 October 2026.
68. BILL AP & AR plans are priced per user per month: Essentials $49, Team $65, Corporate $89, Enterprise custom pricing. "Essentials $49 user/month"  [www.bill.com/product/pricing](https://www.bill.com/product/pricing), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261006015659/https://www.bill.com/product/pricing)
69. Tipalti Pricing "Tipalti uses a subscription-based pricing model with transaction-based pricing layered on top. You pay a base platform fee, plus fees determined by your payment volume"  [tipalti.com/pricing/](https://tipalti.com/pricing/), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261011061107/https://tipalti.com/pricing/)
70. Tipalti Tipalti validates tax IDs across 62 countries against 3,000+ rules. "Validate tax IDs across 62 countries against 3,000+ rules"  [tipalti.com/pricing/](https://tipalti.com/pricing/), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261011061107/https://tipalti.com/pricing/)
71. Tipalti Mass Payments plans start at USD 249 per month and include unlimited users and a payee portal. "Includes unlimited users, a payee portal, and core automation features"  [tipalti.com/pricing/](https://tipalti.com/pricing/), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261011061107/https://tipalti.com/pricing/)
72. Mercury Payments made with Mercury Bill Pay carry no charge. "It does not cost anything to make payments with Mercury Bill Pay."  [mercury.com/bill-pay](https://mercury.com/bill-pay), read on 17 October 2026. [Archived copy](https://web.archive.org/web/20261011202954/https://mercury.com/bill-pay)

Updated 17 October 2026: First published.

Mercury is a trademark of its owner. Wise Business is a trademark of its owner. Ramp is a trademark of its owner. Brex is a trademark of its owner. BILL is a trademark of its owner. Tipalti is a trademark of its owner. Ticket Fairy is not affiliated with them.

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