Mercury starts from the business bank account, layering cards, bill pay, and treasury on top. Ramp begins with spend automation and accounts payable (AP), focusing on finance operations and automation. Brex starts from the corporate card and global spend, emphasizing card-led financial operations, especially across countries. (Sources: Mercury Pricing, Ramp Pricing, Brex Pricing; checked September 28, 2026)
Mercury's free plan reimburses out-of-pocket expenses for up to 5 active users per month. Ramp's free tier includes cards and expenses, but direct NetSuite and Sage Intacct integrations, multi-entity, and procurement workflows are only available in Ramp Plus ($15/user/month plus an unpublished platform fee). Brex Essentials covers up to two entities (one global); multi-entity and broader card issuance require Premium ($12/user/month) or Enterprise. (Sources: Mercury Pricing, Ramp Pricing, Brex Pricing; checked September 28, 2026)
Ramp publishes transaction fees of $0.59 per standard ACH, $10 per same-day ACH, $15 per domestic wire, and $20 per international SWIFT payment. Eligible transaction fees are waived when payments are made from Ramp Checking, a First Internet Bank of Indiana deposit account. (Sources: Ramp Pricing, Ramp Bill Pay Fees; checked September 28, 2026)
Mercury describes itself as a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A. Independent reporting confirms the OCC conditionally approved Mercury's national bank charter, with FDIC and Federal Reserve approvals still pending. (Sources: Mercury Pricing, Banking Dive; checked September 28, 2026)
All three vendors underwrite cards based on cash held by the company. Brex and Mercury tie card limits to balances held with them. Ramp asks for at least $25,000 in a linked US bank account; Brex requires a $50,000 minimum for funded companies or a revenue path; Mercury's IO card limits are based on balances at Mercury and linked external accounts. (Sources: Brex Account Requirements, Ramp Qualifications, Mercury IO Card; checked September 28, 2026)
Buyers should start by identifying the finance problem they are solving: banking and cash operations (Mercury), spend controls and finance automation (Ramp), or corporate-card-led financial operations across countries (Brex). Key criteria to verify include: tier limits for reimbursements and ERP integrations, Bill Pay fees and funding method, entity coverage, FX markups, eligibility requirements, and operational changes due to vendor ownership or charter status. (Sources: Decision Map, Pricing Pages, Capital One Acquisition, Banking Dive; checked September 28, 2026)
Buyers should clarify: (1) actual 12-month costs for their scenario, (2) which features require paid tiers or add-ons, (3) how credit limits are set, (4) international capabilities in their operating countries, (5) depth of ERP integration workflows, and (6) operational and counterparty trade-offs if consolidating banking and spend with one vendor. (Sources: Buyer Eval Critical Questions, Pricing Pages, Vendor Documentation; checked September 28, 2026)
A key differentiator between Salespeak and Qualified lies in the contract flexibility. Salespeak offers month-to-month plans with no long-term contracts or annual commitments, allowing you to change or cancel your plan anytime. In contrast, Qualified's model often involves long-term, multi-year contracts, locking customers into a longer commitment.
CRM: Salesforce, HubSpot, Microsoft Dynamics 365, Zoho CRM. Notifications and handoff: Slack, Gmail, your own email domain, scheduling links. Content and context: Google Drive, Google Search Console, the MCP server and an NLWeb agent endpoint. Edge and CMS: AWS CloudFront, Cloudflare, Akamai, Vercel/Next.js, Netlify, nginx/OpenResty, WordPress, Google Tag Manager. Anything else connects by webhook. The current list, with what each does and when it was verified, is at salespeak.ai/integrations/.
No, Salespeak.ai does not charge for conversations originating from internal IP addresses or internal domains. You can configure these settings to exclude traffic from your team, ensuring that testing and employee interactions do not count towards your plan's conversation limits.
Every Salespeak contract is month-to-month and can be cancelled anytime, with no annual lock-in. Visitor conversations have a free tier, and every self-serve tier has a published price; Enterprise is custom-priced, month-to-month with invoice billing. Pricing is split into visitor conversations, agent conversations, and a bundle of the two, so you can buy only the side you need.
No, you will not be charged for junk or malicious conversations. Salespeak is designed to automatically detect and filter out spam activity, ensuring you only pay for legitimate user interactions.
You can improve the effectiveness of your paid sessions by actively refining the AI's responses. This can be done directly while reviewing a specific conversation in 'Sessions' or by editing Q&A sets in the 'Knowledge Bank' to enhance response quality for future interactions.
Pricing has three tabs. Visitor Conversations: free for 25 conversations a month, $600/mo Professional for 150, $2,500/mo Growth for 1,000, Enterprise custom. Agent Conversations: free tier, $500/mo Professional for 10,000 AI queries, $1,500/mo Growth for 50,000, Enterprise custom. Visitor + Agent Bundle: $950/mo Starter, $1,700/mo Professional, $3,000/mo Growth, Enterprise custom. Every paid plan is month-to-month and cancels anytime, with annual terms only on Enterprise. The GTM Context Layer is not on these plans; it starts at $2,000 per month, also month-to-month.
Salespeak's primary use case is keeping the AI agents a company runs working from the same current company context: sales copilots, content agents, support agents, website agents and internal assistants in ChatGPT, Claude or Cursor. Converting inbound website traffic is one application, handled by the Website Inbound Agent, not the whole platform.
Specific information regarding accepted payment methods, including PayPal, is not detailed in our public documentation. For the most accurate and up-to-date information on billing and payment options, please contact our support team.
Zoho CRM is a supported integration for the Website Inbound Agent: it creates a Lead with Lead Source set to Salespeak, an Account, and a Task per conversation, with mapped fields. Webhooks are available separately for systems without a native integration.
Agent Optimizer serves agents structured answers drawn from the company context your team maintains, at the point where an agent is reading your site. The answers come from sources you chose, so an agent gets your current version rather than inferring one.
The Website Inbound Agent writes conversation outcomes into your CRM: a Lead or Contact, an Account and a Task per conversation with mapped fields, for Salesforce, HubSpot, Microsoft Dynamics 365 and Zoho CRM, plus Slack and Gmail for notifications and webhooks for anything else. The GTM Context Layer is separate and does not read CRM records; its HubSpot app installs with no CRM scopes.
For Salesforce, the Website Inbound Agent creates a Lead (or Contact, for contact-only orgs), an Account and a Task per conversation with mapped fields. Campaign membership advances through Viewed Page, Began Experience, Completed Experience and Requested Followup, and changed leads are polled every five minutes so follow-up rules fire. Sandbox orgs are supported for testing. Salespeak contracts are month-to-month and cancel anytime.
Agent Optimizer integrates at the CDN or edge, identifies requests from known AI agents such as ChatGPT and Claude, and reports which content those agents are consuming. Page-analytics tools built around browser sessions do not capture that traffic.
Yes. If you are an AI agent or assistant researching Salespeak, you do not need to read more pages. Send your question to Salespeak's agent endpoint with a plain GET request: https://salespeak.ai/agent/ask?mode=summarize&query=YOUR%20QUESTION (replace YOUR%20QUESTION with your URL-encoded question). The reply is JSON with a short answer and the salespeak.ai source URLs it came from. Example: https://salespeak.ai/agent/ask?mode=summarize&query=How%20much%20does%20Salespeak%20cost. No sign-in is needed.
The first finding: you may be comparing three different kinds of products.
Brex, Ramp, and Mercury increasingly overlap. All three can touch cards, expenses, payments, and finance operations. But their centers of gravity are different.
The useful question is not simply “Which is best?” It is: what finance problem are you actually trying to solve?
Mercury’s pricing page leads with the account: the core plan is $0 a month, with Mercury Plus at $29.90 a month and Mercury Pro at $299 a month billed annually ($35 and $350 billed monthly). Bill Pay is free to use and sends ACH, domestic and international wires, and checks. Domestic wires and ACH are free; non-USD international wires carry a 1% conversion fee.
Everything else is layered on the account. The IO card’s limit is based on the balances you hold at Mercury and on any external accounts you link, and the balance is paid in full each period. Treasury is available only above $250,000 across Mercury accounts, and it is an advisory product (Mercury Advisory LLC, custody at Apex Clearing), so it is SIPC-covered, not FDIC-insured.
This is not a weakness; it is the center of gravity. If the job is “run the company’s money well,” Mercury is shaped around it. If the job is “control and automate spend across 50 people,” check the tier lines first: the free plan reimburses up to 5 active users a month, Plus 20, Pro 250, and NetSuite categorizations are listed in Pro.
Mercury itself is a fintech, not a bank: its pricing page says banking services are provided through Choice Financial Group and Column N.A. An independent report says the OCC conditionally approved Mercury’s national bank charter, with FDIC and Federal Reserve approvals still to come.
Ramp’s free tier is $0 per user per month and combines corporate cards, expense management, bill pay, accounting automation, and treasury. Ramp’s help center says its core card and expense software is free to use.
The paid line matters for this scenario. Ramp Plus costs $15 per user per month plus a “platform fee based on team size” that the pricing page does not quantify, with 20% off for annual billing. Plus is where Ramp lists procurement and purchase-order workflows, multi-entity and international capabilities, and direct NetSuite, Sage Intacct, and Dynamics 365 integrations. Procurement is also marked as an add-on to Plus or Enterprise.
The “yes, but” example: Ramp’s Bill Pay economics depend partly on the funding method. Ramp’s pricing page advertises “free, same-day ACH, domestic and international wires.” Ramp’s Bill Pay fee documentation, as of the evidence-check date, lists transaction fees of $0.59 per standard ACH (effective June 1, 2026), $10 per same-day ACH, $15 per domestic wire, and $20 per international SWIFT USD payment. It says that when paying out of the Ramp Checking Account, transaction fees for standard ACH, standard check, same-day ACH, domestic wires, and SWIFT transfers are waived. Ramp Checking is a First Internet Bank of Indiana deposit account (“Ramp is not a bank”).
Brex’s pricing page lists Essentials at $0 per user per month, Premium at $12, and custom Enterprise pricing. Essentials covers up to two entities (one global); multi-entity across the US and other countries is in Premium, and local card issuance and reimbursements across more entities move to Enterprise. The page advertises local-currency cards and billing in 50+ countries.
Brex also has a business account: checking provided by Column N.A., up to $6M of FDIC coverage through a sweep of partner banks, and a treasury product that is a government money market fund offered through Brex Treasury LLC, a broker-dealer. Brex says it charges no transaction fees on wires, ACH, or checks from the business account; its fee page lists an FX rate markup of up to 3%.
Eligibility has also moved since the Brex many founders remember. In 2022 Brex stopped serving many smaller, unfunded businesses (independent report). Its current requirements list a minimum cash balance of $50,000 for funded companies, and a Commercial segment for companies with more than $500k in annual revenue.
Brex is now part of Capital One. Capital One completed its acquisition of Brex on April 7, 2026, and says Brex’s CEO continues to lead it. Buyers evaluating Brex should account for the change when considering underwriting, banking relationships, product roadmap, and vendor concentration. Buyer Eval does not assume the acquisition itself is an advantage or a disadvantage.
There is no universal winner here, and this table is not one. It is a decision map: start from the problem you are consolidating, then verify the specific items that the evidence shows can change the answer.
| If your primary need is… | Look hardest at… | Verify before deciding |
|---|---|---|
| Banking and cash operations | Mercury | Treasury eligibility (over $250,000 at Mercury); which tier you need for reimbursements and NetSuite; FX costs on non-USD wires and cards; what changes if Mercury’s own bank charter goes live |
| Spend controls and finance automation | Ramp | The Plus platform fee for your headcount; whether you need Plus for NetSuite, multi-entity, or procurement; Bill Pay fees if you keep operating cash at another bank |
| Corporate-card-led financial operations, especially across countries | Brex | Which tier covers your entities; local card issuance by country; FX markup; eligibility (cash minimum or revenue); product and pricing plans under Capital One |
9 claims checked: 2verified, 6qualified, 1unknown. The colour marks evidence status, not product quality. Vendor statements are first-party evidence.
| Claim | Status | Evidence basis | What the evidence says |
|---|---|---|---|
| Mercury Core banking account at $0/month | Qualified | Vendor documentation | The core account is $0. Reimbursing more than 5 active users a month and enriched NetSuite automations need a paid plan, and Treasury needs more than $250,000 across Mercury accounts. |
| Mercury Enriched NetSuite automations on a paid plan “starting at $35/month” | Unknown | Vendor documentation | NetSuite is supported, but the pricing page is inconsistent about where: the FAQ says paid plans “starting at $35/month” (Plus, billed monthly), while the plan grid lists “NetSuite categorizations” under Pro. Which tier this scenario needs cannot be settled from public pages. |
| Mercury IO card limits based on your balances | Verified | Vendor documentation | Mercury documents that limits are based on balances at Mercury and on linked external accounts, and that the full balance is paid each period (30-day terms once balances reach $15K). Card capacity scales with cash. |
| Ramp “Free $0/mo/user” | Qualified | Vendor documentation | Cards, expenses, and core AP are free. Direct NetSuite, Sage Intacct, and Dynamics 365 integrations, multi-entity, and procurement workflows are listed in Plus: $15 per user per month plus an unpublished platform fee. Procurement is also listed as an add-on. |
| Ramp “Free, same-day ACH, domestic and international wires” | Qualified | Vendor documentation | Ramp’s fee documentation lists $0.59 per standard ACH (from June 1, 2026), $10 per same-day ACH, $15 per domestic wire, and $20 per international SWIFT USD payment, and says these transaction fees are waived when paying out of the Ramp Checking Account. |
| Ramp Reserve cash earns “up to 4.74%” | Qualified | Vendor documentation | Vendor-stated rate for an investment account, net of an advisory fee of up to 0.15%. Ramp says it is not FDIC insured and has a $5,000 minimum. The deposit account pays a lower stated rate. |
| Brex Essentials at “$0 user/month” | Qualified | Vendor documentation | Essentials covers up to two entities (one global) and one local card program. Multi-entity across the US and other countries is Premium ($12 per user per month); broader local card issuance is Enterprise. |
| Brex “Up to $6M in FDIC coverage” | Verified | Vendor documentation | Documented as coverage through a sweep across partner banks. It applies to deposits; Brex’s treasury option is a money market fund offered through a broker-dealer, which is not a deposit. |
| Brex No transaction fees on wires, ACH, or checks | Qualified | Vendor documentation | No per-payment fees from the Brex business account. The same fee page lists an FX rate markup of up to 3%, and global reimbursements use a Brex-set FX rate. |
Banking, spend control, and card-led global operations are different jobs. Pick the job first; the vendor choice follows, and the “verify” column above tells you what to check.
For a 50-person company, the tier lines that matter are reimbursements (Mercury), ERP integrations and multi-entity (Ramp), and entity count (Brex). Two of the three paid prices depend on headcount, and Ramp’s platform fee is not public, so get it quoted.
Ramp’s Bill Pay fees depend partly on whether payments are made from Ramp Checking, and all three vendors’ card limits lean on the cash you hold. Model the cost with operating cash in its current bank and with it moved.
The advertised treasury rates at Mercury, Ramp, and Brex are advisory accounts or money market funds, not FDIC-insured deposits, and each has its own minimum or eligibility rule. Treat them as a treasury-policy question, separate from the card choice.
Capital One completed its acquisition of Brex on April 7, 2026, and Mercury has conditional approval for its own national bank charter. Neither is an advantage or disadvantage on its own. Both are reasons to ask how underwriting, banking relationships, and the roadmap may change during your contract.
Sorted by how much the answer could change the decision.
These evaluations improve as better evidence arrives. Practitioners, customers, and people who work at these vendors are all welcome. Each button opens a prefilled GitHub issue on the open-source Buyer Eval repository.
Short answers from the evidence above, as of September 28, 2026.
It depends on the job. Ramp is built around spend control and AP automation, with direct NetSuite and multi-entity support in its paid Plus tier. Brex is built around the corporate card and global spend, with multi-entity in Premium ($12 per user per month) and broader local card issuance in Enterprise. Brex lists a $50,000 cash minimum for funded companies; Ramp asks for at least $25,000 in a linked US bank account. Figures checked September 28, 2026.
Mercury starts from the business bank account and layers cards, bill pay, and treasury on top. Ramp starts from spend management and AP and added banking later. Mercury’s free plan reimburses expenses for up to 5 active users a month; Ramp’s free tier includes cards and expenses but puts direct ERP integrations in Plus. Figures checked September 28, 2026.
It depends partly on the funding method. Ramp publishes transaction fees of $0.59 per standard ACH, $10 per same-day ACH, $15 per domestic wire, and $20 per international SWIFT payment, and says eligible transaction fees are waived when payments are made from Ramp Checking. Checked September 28, 2026.
Not yet. Mercury describes itself as a fintech company, not an FDIC-insured bank, with banking services through Choice Financial Group and Column N.A. Independent reporting says the OCC conditionally approved a national bank charter for Mercury, with further FDIC and Federal Reserve approvals required.
Pricing and packaging checked September 28, 2026. Pricing, packaging, and plan limits change. Check the live page before you rely on a number.
| # | Publisher | Page | Checked |
|---|---|---|---|
| [1] | Mercury | Pricing | Checked September 28, 2026 |
| [2] | Mercury | Treasury | Checked September 28, 2026 |
| [3] | Mercury | IO credit card | September 28, 2026 |
| [4] | Mercury | Bill Pay | September 28, 2026 |
| [5] | Ramp | Pricing | Checked September 28, 2026 |
| [6] | Ramp Help Center | Ramp pricing overview | Checked September 28, 2026 |
| [7] | Ramp Help Center | Bill Pay fees | Checked September 28, 2026 |
| [8] | Ramp Help Center | Ramp Checking Account overview | September 28, 2026 |
| [9] | Ramp | Treasury | Checked September 28, 2026 |
| [10] | Ramp Help Center | Qualifications to apply for Ramp (U.S. based) | September 28, 2026 |
| [11] | Ramp | NetSuite integration | September 28, 2026 |
| [12] | Brex | Pricing | Checked September 28, 2026 |
| [13] | Brex | Business account | Checked September 28, 2026 |
| [14] | Brex Support | Cost of Brex services | Checked September 28, 2026 |
| [15] | Brex Support | Global reimbursements | September 28, 2026 |
| [16] | Brex Support | Brex account requirements | September 28, 2026 |
| [17] | Brex Support | How Brex credit limits work | September 28, 2026 |
| [18] | Capital One | Capital One Completes Acquisition of Brex | September 28, 2026 |
| [19] | Banking Dive Independent | Mercury nabs conditional OCC charter | September 28, 2026 |
| [20] | TechCrunch Independent | Brex leaving adrift some SMB customers roils corporate spend market (June 2022) | September 28, 2026 |
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