# BILL vs Mercury API (slim)

> Mercury API scores 63.8 (B) on agent readiness against BILL's 60.9 (C), and leads in 4 of 7 scored categories. BILL leads on reliability and schema & documentation. Both do spend transactions. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/bill-vs-mercury.md (~2,100 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/bill-vs-mercury.json · canonical https://www.anchorterminal.com/compare/bill-vs-mercury
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

Mercury API scores 63.8 (B) on agent readiness against BILL's 60.9 (C), and leads in 4 of 7 scored categories. BILL leads on reliability and schema & documentation. Both do spend transactions.

- BILL: C 60.9, rank #380 of 722 · https://www.anchorterminal.com/tools/bill.min.md
- Mercury API: B 63.8, rank #293 of 722 · https://www.anchorterminal.com/tools/mercury.min.md
- BILL, good for A US company already on BILL that wants an agent to create and read bills, run approvals, schedule vendor payments, raise invoices and manage budgets, vendor cards, card transactions and reimbursements. Ahead on Reliability, 81 against 59; Schema & documentation, 83 against 72.
- Mercury API, good for A company that banks with Mercury and wants an agent to read balances and transactions, set notes and categories, upload receipts, issue virtual cards with spend limits and queue payments for human approval. Ahead on Agent ergonomics, 68 against 60; Security & auth, 82 against 56; Payments & pricing, 30 against 25; Maintenance & community, 64 against 32.

| Category | BILL | Mercury API |
| --- | --- | --- |
| Reliability (16%) | 81 | 59 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 83 | 72 |
| Agent ergonomics (13%) | 60 | 68 |
| Security & auth (14%) | 56 | 82 |
| Payments & pricing (10%) | 25 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 32 | 64 |
| Transparency & trust (7%) | 66 | 63 |

| Fact (where they differ) | BILL | Mercury API |
| --- | --- | --- |
| Vendor | BILL Holdings, Inc. | Mercury Technologies, Inc. |
| Hosted endpoint | `https://gateway.prod.bill.com/connect` | `https://api.mercury.com/api/v1` |
| Licence | Proprietary service under the BILL Developer Terms and the BILL General Terms of Service | Proprietary service under Mercury's Terms of Use. The Mercury CLI on GitHub is Apache-2.0 |
| Tools exposed | none | 35 |
| Read-only variant documented | no | yes |
| Last release | 2026-05-21 | 2026-08-12 |
| Terms last updated | 2026-03-03 | no date given |
| Privacy policy last updated | 2026-01-30 | no date given |
| Terms restrict automated access | not found in the text | yes |
| Terms restrict benchmarking | not found in the text | yes |
| Arbitration or class-action waiver | not found in the text | yes |