# Expensify vs Mercury API (slim)

> Mercury API scores 63.8 (B) on agent readiness against Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Both do spend transactions. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/expensify-vs-mercury.md (~2,150 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/expensify-vs-mercury.json · canonical https://www.anchorterminal.com/compare/expensify-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 Expensify's 41.1 (E), and leads in 5 of 7 scored categories. Both do spend transactions.

- Expensify: E 41.1, rank #684 of 722 · https://www.anchorterminal.com/tools/expensify.min.md
- Mercury API: B 63.8, rank #293 of 722 · https://www.anchorterminal.com/tools/mercury.min.md
- Expensify, good for A finance team already on Expensify that wants an agent to export approved reports to an accounting system, create expenses and reports, keep categories, tags and employees in step with an HR system, or mark reports reimbursed.
- 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 Schema & documentation, 72 against 28; Agent ergonomics, 68 against 45; Security & auth, 82 against 34; Maintenance & community, 64 against 23; Transparency & trust, 63 against 58.

| Category | Expensify | Mercury API |
| --- | --- | --- |
| Reliability (16%) | 62 | 59 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 28 | 72 |
| Agent ergonomics (13%) | 45 | 68 |
| Security & auth (14%) | 34 | 82 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 23 | 64 |
| Transparency & trust (7%) | 58 | 63 |

| Fact (where they differ) | Expensify | Mercury API |
| --- | --- | --- |
| Vendor | Expensify, Inc. | Mercury Technologies, Inc. |
| Hosted endpoint | `https://integrations.expensify.com/Integration-Server/ExpensifyIntegrations` | `https://api.mercury.com/api/v1` |
| Licence | Proprietary service under the Expensify Terms of Service. The Expensify app client and help articles on GitHub (Expensify/App) are MIT | Proprietary service under Mercury's Terms of Use. The Mercury CLI on GitHub is Apache-2.0 |
| Tools exposed | none | 35 |
| llms.txt | no | yes |
| Last release | none | 2026-08-12 |
| Terms last updated | 2026-09-10 | no date given |
| Privacy policy last updated | 2026-04-01 | no date given |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | not found in the text |