# Mercury API vs Ramp (slim)

> Mercury API scores 63.8 (B) on agent readiness against Ramp's 57.3 (C), and leads in 4 of 7 scored categories. Ramp leads on schema & documentation, maintenance & community and transparency & trust. Both do spend transactions. Category scores, facts, verdicts and agent notes…

- Full: https://www.anchorterminal.com/compare/mercury-vs-ramp.md (~2,150 tokens) · this version ~780 tokens · JSON https://www.anchorterminal.com/compare/mercury-vs-ramp.json · canonical https://www.anchorterminal.com/compare/mercury-vs-ramp
- 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 Ramp's 57.3 (C), and leads in 4 of 7 scored categories. Ramp leads on schema & documentation, maintenance & community and transparency & trust. Both do spend transactions.

- Mercury API: B 63.8, rank #293 of 722 · https://www.anchorterminal.com/tools/mercury.min.md
- Ramp: C 57.3, rank #478 of 722 · https://www.anchorterminal.com/tools/ramp.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 Reliability, 59 against 30; Payments & pricing, 30 against 25. Also No incidents deducted, where Ramp loses 3 points for them.
- Ramp, good for A finance team already on Ramp that wants an agent to read transactions, upload receipts, code and split expenses, issue funds with limits, create bills and work with purchase orders and procurement requests. Ahead on Schema & documentation, 86 against 72; Maintenance & community, 74 against 64; Transparency & trust, 70 against 63.

| Category | Mercury API | Ramp |
| --- | --- | --- |
| Reliability (16%) | 59 | 30 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 72 | 86 |
| Agent ergonomics (13%) | 68 | 66 |
| Security & auth (14%) | 82 | 79 |
| Payments & pricing (10%) | 30 | 25 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 64 | 74 |
| Transparency & trust (7%) | 63 | 70 |

| Fact (where they differ) | Mercury API | Ramp |
| --- | --- | --- |
| Vendor | Mercury Technologies, Inc. | Ramp Business Corporation |
| Hosted endpoint | `https://api.mercury.com/api/v1` | `https://api.ramp.com` |
| Auth | OAuth or key | OAuth |
| Licence | Proprietary service under Mercury's Terms of Use. The Mercury CLI on GitHub is Apache-2.0 | Proprietary service under the Ramp Platform Agreement and the API Agreement. The ramp-cli repository is MIT |
| Tools exposed | 35 | none |
| Read-only variant documented | yes | no |
| Last release | 2026-08-12 | 2026-10-07 |
| Terms last updated | no date given | couldn't be read |
| Privacy policy last updated | no date given | couldn't be read |
| Customer content may train models | not found in the text | couldn't be read |
| Terms restrict automated access | yes | couldn't be read |
| Terms restrict benchmarking | yes | couldn't be read |
| Terms or service can change without notice | not found in the text | couldn't be read |
| Arbitration or class-action waiver | yes | couldn't be read |
| Popularity | none | 53 stars |