# Mercury API vs Pleo API + MCP (slim)

> Mercury API and Pleo API + MCP score within a point of each other on agent readiness, 63.8 (B) and 62.9 (B). Pleo API + MCP leads on reliability, schema & documentation and transparency & trust. Both do spend transactions. Category scores, facts, verdicts and agent notes side by…

- Full: https://www.anchorterminal.com/compare/mercury-vs-pleo.md (~2,200 tokens) · this version ~730 tokens · JSON https://www.anchorterminal.com/compare/mercury-vs-pleo.json · canonical https://www.anchorterminal.com/compare/mercury-vs-pleo
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

Mercury API and Pleo API + MCP score within a point of each other on agent readiness, 63.8 (B) and 62.9 (B). Pleo API + MCP leads on reliability, schema & documentation and transparency & trust. Both do spend transactions.

- Mercury API: B 63.8, rank #293 of 722 · https://www.anchorterminal.com/tools/mercury.min.md
- Pleo API + MCP: B 62.9, rank #325 of 722 · https://www.anchorterminal.com/tools/pleo.min.md
- 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 55; Security & auth, 82 against 71; Payments & pricing, 30 against 15.
- Pleo API + MCP, good for An agent that completes, codes, reviews and queues expenses for a Pleo customer on the Optimise plan, or for a bookkeeping integration that exports accounting entries and syncs tags, tax codes, accounts and vendors. Ahead on Reliability, 71 against 59; Schema & documentation, 82 against 72; Transparency & trust, 75 against 63.

| Category | Mercury API | Pleo API + MCP |
| --- | --- | --- |
| Reliability (16%) | 59 | 71 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 72 | 82 |
| Agent ergonomics (13%) | 68 | 55 |
| Security & auth (14%) | 82 | 71 |
| Payments & pricing (10%) | 30 | 15 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 64 | 64 |
| Transparency & trust (7%) | 63 | 75 |

| Fact (where they differ) | Mercury API | Pleo API + MCP |
| --- | --- | --- |
| Vendor | Mercury Technologies, Inc. | Pleo Technologies A/S |
| Hosted endpoint | `https://api.mercury.com/api/v1` | `https://external.pleo.io` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Pricing | Freemium | Paid |
| Licence | Proprietary service under Mercury's Terms of Use. The Mercury CLI on GitHub is Apache-2.0 | Proprietary service under Pleo's Master Service Agreement, API Terms of Service and AI Access Terms |
| Tools exposed | 35 | none |
| Read-only variant documented | yes | no |
| Last release | 2026-08-12 | 2026-10-02 |
| Privacy policy last updated | no date given |  |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | yes | not found in the text |
| Arbitration or class-action waiver | yes | not found in the text |