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Novo Reserves are internal budget buckets — not interest-bearing accounts",[],{"_key":2450,"_type":143,"children":2451,"level":1193,"listItem":1602,"markDefs":2456,"style":164},"k646",[2452],{"_key":2453,"_type":147,"marks":2454,"text":2455},"k645",[],"International payments depend on Wise. You are effectively using two platforms, with two separate fee structures, two processing timelines, and two potential failure points",[],{"_key":2458,"_type":143,"children":2459,"level":1193,"listItem":1602,"markDefs":2464,"style":164},"k650",[2460],{"_key":2461,"_type":147,"marks":2462,"text":2463},"k649",[],"Limited spend controls for growing teams",[],{"_key":2466,"_type":143,"children":2467,"level":1193,"listItem":1602,"markDefs":2472,"style":164},"k654",[2468],{"_key":2469,"_type":147,"marks":2470,"text":2471},"k653",[],"Novo operates in USD only. There is no ability to hold foreign currencies, receive local payments in other markets, or manage FX exposure within the platform",[],{"_key":2474,"_type":143,"children":2475,"markDefs":2488,"style":1181},"k662",[2476,2479,2484],{"_key":2477,"_type":147,"marks":2478,"text":480},"k659",[],{"_key":2480,"_type":147,"marks":2481,"text":2483},"k660",[2482],"sup","1",{"_key":2485,"_type":147,"marks":2486,"text":2487},"k661",[],": Your alternative to Mercury and Novo",[],{"_key":2490,"_type":143,"children":2491,"markDefs":2503,"style":164},"k670",[2492,2496,2499],{"_key":2493,"_type":147,"marks":2494,"text":2495},"k667",[],"If you need a comprehensive platform with better insights into expense management, platforms like Aspire",{"_key":2497,"_type":147,"marks":2498,"text":2483},"k668",[2482],{"_key":2500,"_type":147,"marks":2501,"text":2502},"k669",[]," are a strong fit.",[],{"_key":2505,"_type":143,"children":2506,"markDefs":2525,"style":164},"k682",[2507,2511,2515,2519,2522],{"_key":2508,"_type":147,"marks":2509,"text":2510},"k677",[],"Aspire is a complete financial stack for global startup founders. Unlike Mercury, it offers services to both large corporations and small startups. Unlike Novo, it offers elaborate expense insights with options for treasury",{"_key":2512,"_type":147,"marks":2513,"text":2514},"k678",[2482],"3",{"_key":2516,"_type":147,"marks":2517,"text":2518},"k679",[]," and FDIC insurance",{"_key":2520,"_type":147,"marks":2521,"text":2483},"k680",[2482],{"_key":2523,"_type":147,"marks":2524,"text":239},"k681",[],[],{"_key":2527,"_type":143,"children":2528,"markDefs":2560,"style":164},"k701",[2529,2533,2538,2542,2546,2551,2556],{"_key":2530,"_type":147,"marks":2531,"text":2532},"k694",[],"Gain access to ",{"_key":2534,"_type":147,"marks":2535,"text":2537},"k695",[2536],"k684","Multi-currency accounts",{"_key":2539,"_type":147,"marks":2540,"text":2541},"k696",[2482],"*",{"_key":2543,"_type":147,"marks":2544,"text":2545},"k697",[]," to pay locally in more than 98 currencies, including USD*, JPY*, HKD*, CNY*, and more. It also integrates with accounting solutions like Quickbooks and Xero, offers ",{"_key":2547,"_type":147,"marks":2548,"text":2550},"k698",[2549],"k688","physical\u002Fvirtual corporate cards",{"_key":2552,"_type":147,"marks":2553,"text":2555},"k699",[2554,2482],"k690","2",{"_key":2557,"_type":147,"marks":2558,"text":2559},"k700",[]," and a dedicated spend management solution, making it suitable for scaling businesses.",[2561,2563,2565],{"_key":2536,"_type":161,"externalUrl":2562,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fbusiness-account",{"_key":2549,"_type":161,"externalUrl":2564,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fcorporate-card",{"_key":2554,"_type":161,"externalUrl":2564,"linkType":163},{"_key":2567,"_type":143,"children":2568,"markDefs":2572,"style":1181},"k705",[2569],{"_key":2570,"_type":147,"marks":2571,"text":1030},"k704",[],[],{"_key":2574,"_type":143,"children":2575,"markDefs":2580,"style":1586},"k709",[2576],{"_key":2577,"_type":147,"marks":2578,"text":2579},"k708",[],"Mercury vs Novo, which is better for a brand-new solo founder?",[],{"_key":2582,"_type":143,"children":2583,"markDefs":2588,"style":164},"k713",[2584],{"_key":2585,"_type":147,"marks":2586,"text":2587},"k712",[],"If you’re a US-based sole proprietor or small LLC without immediate plans to raise significant capital, Novo’s broader eligibility and invoicing and payout tools usually make onboarding easier.‍",[],{"_key":2590,"_type":143,"children":2591,"markDefs":2596,"style":1586},"k717",[2592],{"_key":2593,"_type":147,"marks":2594,"text":2595},"k716",[],"Which is the best business checking account for small businesses?",[],{"_key":2598,"_type":143,"children":2599,"markDefs":2604,"style":164},"k721",[2600],{"_key":2601,"_type":147,"marks":2602,"text":2603},"k720",[],"If your business is lean and is heavily dependent on cash transactions, then Novo might be the right option for you. Novo bank for small businesses offers faster payouts and access to working capital to solopreneurs and small businesses.",[],{"_key":2606,"_type":143,"children":2607,"markDefs":2612,"style":1586},"k725",[2608],{"_key":2609,"_type":147,"marks":2610,"text":2611},"k724",[],"Can international founders open accounts with Mercury vs Novo?",[],{"_key":2614,"_type":143,"children":2615,"markDefs":2620,"style":164},"k729",[2616],{"_key":2617,"_type":147,"marks":2618,"text":2619},"k728",[],"Non-US founders can open accounts, but both platforms scrutinize international applicants and certain industries. So neither platform guarantees approval, and documentation requirements are higher. Eligibility depends on owner identity, business structure, documentation and supported applicant circumstances.",[],{"_key":2622,"_type":143,"children":2623,"markDefs":2628,"style":1586},"k733",[2624],{"_key":2625,"_type":147,"marks":2626,"text":2627},"k732",[],"Which is safer in terms of deposit protection?",[],{"_key":2630,"_type":143,"children":2631,"markDefs":2636,"style":164},"k737",[2632],{"_key":2633,"_type":147,"marks":2634,"text":2635},"k736",[],"Mercury checking\u002Fsavings deposits can receive up to $5 million FDIC insurance through sweep banks, subject to conditions. Mercury Treasury is a separate investment product and is not FDIC insured. Novo core deposits receive FDIC insurance through Middlesex Federal Savings up to applicable limits.",[],{"_key":2638,"_type":143,"children":2639,"markDefs":2644,"style":1586},"k741",[2640],{"_key":2641,"_type":147,"marks":2642,"text":2643},"k740",[],"Which is better for frequent international payments?",[],{"_key":2646,"_type":143,"children":2647,"markDefs":2652,"style":164},"k745",[2648],{"_key":2649,"_type":147,"marks":2650,"text":2651},"k744",[],"Mercury supports international wires directly, while Novo routes cross-border transfers through Wise. The best option depends on your corridors, currencies, and tolerance for intermediary-bank and FX costs.",[],{"_key":2654,"_type":143,"children":2655,"markDefs":2660,"style":1586},"k749",[2656],{"_key":2657,"_type":147,"marks":2658,"text":2659},"k748",[],"Can a sole proprietor open a Mercury or Novo business account?",[],{"_key":2662,"_type":143,"children":2663,"markDefs":2668,"style":164},"k753",[2664],{"_key":2665,"_type":147,"marks":2666,"text":2667},"k752",[],"Mercury does not generally support sole proprietors. It requires a US-registered LLC or corporation. Novo accepts a broader range of entity types including sole proprietors, making it the more accessible option for self-employed founders and freelancers who want a no-fee business checking account without an LLC requirement.",[],{"_key":2670,"_type":143,"children":2671,"markDefs":2676,"style":1586},"k757",[2672],{"_key":2673,"_type":147,"marks":2674,"text":2675},"k756",[],"What is the difference between Mercury bank vs Novo for a small ecommerce business?",[],{"_key":2678,"_type":143,"children":2679,"markDefs":2684,"style":164},"k761",[2680],{"_key":2681,"_type":147,"marks":2682,"text":2683},"k760",[],"For ecommerce businesses, Novo's direct Stripe integration and Novo Boost payout acceleration is a meaningful operational advantage. Mercury integrates with Stripe via API and direct connections, but its primary advantage is treasury, extended FDIC coverage, and developer infrastructure rather than cash-in speed. For lean ecommerce operations focused on cash-flow velocity, Novo is often the faster starting point.",[],{"slug":1135,"title":1136},{"_type":839,"alternativeText":2687,"height":1126,"url":2688,"width":1128},"Mercury vs Novo: Choosing between long-term scaling and faster payments","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F8f0cf5d2c3fe48d7c305c2f74edfdeb7\u002Fshared_cover_8f0cf5d2.jpeg",[2690,2697,2703,2709,2717,2725,2733],{"_key":1177,"_type":143,"children":2691,"level":1193,"listItem":1602,"markDefs":2696,"style":164},[2692],{"_key":2693,"_type":147,"marks":2694,"text":2695},"k1",[],"Mercury fits funded, fast-growing startups that hold large USD balances and need treasury tools, higher FDIC coverage (up to USD $5 million), and developer-friendly APIs",[],{"_key":1187,"_type":143,"children":2698,"level":1193,"listItem":1602,"markDefs":2702,"style":164},[2699],{"_key":1183,"_type":147,"marks":2700,"text":2701},[],"Novo fits lean small businesses, freelancers, and solopreneurs who want simple banking, easy setup, and faster payments",[],{"_key":1201,"_type":143,"children":2704,"level":1193,"listItem":1602,"markDefs":2708,"style":164},[2705],{"_key":1196,"_type":147,"marks":2706,"text":2707},[],"Mercury requires a US corporation or LLC (not suited for sole props or trusts), while Novo supports more types, including sole proprietors and many nonprofits",[],{"_key":2710,"_type":143,"children":2711,"level":1193,"listItem":1602,"markDefs":2716,"style":164},"k11",[2712],{"_key":2713,"_type":147,"marks":2714,"text":2715},"k10",[],"Mercury prioritizes cash protection via sweep networks (up to USD $5 million FDIC coverage) and yield via Treasury money market funds",[],{"_key":2718,"_type":143,"children":2719,"level":1193,"listItem":1602,"markDefs":2724,"style":164},"k14",[2720],{"_key":2721,"_type":147,"marks":2722,"text":2723},"k13",[],"Mercury offers free domestic and international wires for standard US transfers; Novo supports outgoing domestic wires to eligible customers and uses Wise for international payments",[],{"_key":2726,"_type":143,"children":2727,"level":1193,"listItem":1602,"markDefs":2732,"style":164},"k17",[2728],{"_key":2729,"_type":147,"marks":2730,"text":2731},"k16",[],"Both work with QuickBooks and Xero. Mercury focuses on API automation, Novo on plug-and-play workflows",[],{"_key":2734,"_type":143,"children":2735,"level":1193,"listItem":1602,"markDefs":2739,"style":164},"k20",[2736],{"_key":1242,"_type":147,"marks":2737,"text":2738},[],"Choose Mercury if you’re venture-backed and scaling your finance stack. Choose Novo if you’re running a lean, profitable business and value speed and simplicity",[],{"heading":14,"items":369},[2742,2748,2754],{"_key":1177,"_type":143,"children":2743,"markDefs":2747,"style":164},[2744],{"_key":2693,"_type":147,"marks":2745,"text":2746},[],"Mercury is built for funded startups that need treasury tools, high FDIC coverage, and developer-friendly infrastructure. Novo is built for sole proprietors, freelancers, and lean businesses that need faster cash flow, simpler setup, and invoicing without the complexity.",[],{"_key":1187,"_type":143,"children":2749,"markDefs":2753,"style":164},[2750],{"_key":1183,"_type":147,"marks":2751,"text":2752},[],"This comparison breaks down how Novo vs Mercury handle fees, ACH, wires, eligibility, and international payments so you can pick the right fit without guessing.",[],{"_key":1201,"_type":143,"children":2755,"markDefs":2759,"style":164},[2756],{"_key":1196,"_type":147,"marks":2757,"text":2758},[],"Quick verdict: Mercury fits funded startups that hold large USD balances and need treasury, coverage, and API infrastructure. Novo fits sole proprietors, freelancers, agencies, and ecommerce sellers who need faster cash flow, invoicing, and simpler eligibility. Most founders who outgrow both eventually need a platform that handles global payments, spend controls, and multi-currency operations together.",[],"2026-09-02T02:27:47.978Z",{"_type":122,"metaDescription":2762,"metaTitle":2763,"socialShareImageUrl":2764},"Compare Mercury vs Novo for business banking, fees, ACH, wires, FDIC coverage, invoicing, eligibility, and the best fit for US businesses.","Mercury vs Novo: Which is better for your business",{"_type":839,"alternativeText":2687,"height":1126,"url":2688,"width":1128},"mercury-vs-novo",[2767,2774,2780,2786,2792,2798,2804,2810,2817,2824,2830,2837],{"_key":1177,"_type":143,"children":2768,"level":1193,"listItem":2772,"markDefs":2773,"style":164},[2769],{"_key":2693,"_type":147,"marks":2770,"text":2771},[],"https:\u002F\u002Fwww.mercury.com\u002Fpricing (August 14, 2026)","number",[],{"_key":1187,"_type":143,"children":2775,"level":1193,"listItem":2772,"markDefs":2779,"style":164},[2776],{"_key":1183,"_type":147,"marks":2777,"text":2778},[],"https:\u002F\u002Fwww.mercury.com\u002Fbusiness-banking (August 14, 2026)",[],{"_key":1201,"_type":143,"children":2781,"level":1193,"listItem":2772,"markDefs":2785,"style":164},[2782],{"_key":1196,"_type":147,"marks":2783,"text":2784},[],"https:\u002F\u002Fsupport.mercury.com\u002Fhc\u002Fen-us\u002Farticles\u002F28770467511060-Eligibility (August 14, 2026)",[],{"_key":2710,"_type":143,"children":2787,"level":1193,"listItem":2772,"markDefs":2791,"style":164},[2788],{"_key":2713,"_type":147,"marks":2789,"text":2790},[],"https:\u002F\u002Fsupport.mercury.com\u002Fhc\u002Fen-us\u002Farticles\u002F28772836414228-Sending-non-USD-international-wires (August 14, 2026)",[],{"_key":2718,"_type":143,"children":2793,"level":1193,"listItem":2772,"markDefs":2797,"style":164},[2794],{"_key":2721,"_type":147,"marks":2795,"text":2796},[],"https:\u002F\u002Fsupport.mercury.com\u002Fhc\u002Fen-us\u002Farticles\u002F28773111244436-Covering-recipient-fees-for-USD-international-wires (August 14, 2026)",[],{"_key":2726,"_type":143,"children":2799,"level":1193,"listItem":2772,"markDefs":2803,"style":164},[2800],{"_key":2729,"_type":147,"marks":2801,"text":2802},[],"https:\u002F\u002Fwww.novo.co\u002Fbusiness-checking (August 14, 2026)",[],{"_key":2734,"_type":143,"children":2805,"level":1193,"listItem":2772,"markDefs":2809,"style":164},[2806],{"_key":1242,"_type":147,"marks":2807,"text":2808},[],"https:\u002F\u002Fwww.novo.co\u002Flearn\u002Fnovo-faqs (August 14, 2026)",[],{"_key":2811,"_type":143,"children":2812,"level":1193,"listItem":2772,"markDefs":2816,"style":164},"k23",[2813],{"_key":1253,"_type":147,"marks":2814,"text":2815},[],"https:\u002F\u002Fwww.novo.co\u002Fintegrations (August 14, 2026)",[],{"_key":2818,"_type":143,"children":2819,"level":1193,"listItem":2772,"markDefs":2823,"style":164},"k26",[2820],{"_key":1264,"_type":147,"marks":2821,"text":2822},[],"https:\u002F\u002Fnovo.zendesk.com\u002Fhc\u002Fen-us\u002Farticles\u002F360022410672-What-business-documents-do-I-need-to-open-an-account (August 14, 2026)",[],{"_key":1278,"_type":143,"children":2825,"level":1193,"listItem":2772,"markDefs":2829,"style":164},[2826],{"_key":1275,"_type":147,"marks":2827,"text":2828},[],"https:\u002F\u002Fnovo.zendesk.com\u002Fhc\u002Fen-us\u002Farticles\u002F360054716052-Does-Novo-Offer-Instant-Transfers-Same-Day-ACH (August 14, 2026)",[],{"_key":1289,"_type":143,"children":2831,"level":1193,"listItem":2772,"markDefs":2836,"style":164},[2832],{"_key":2833,"_type":147,"marks":2834,"text":2835},"k31",[],"https:\u002F\u002Fnovo.zendesk.com\u002Fhc\u002Fen-us\u002Farticles\u002F6177445984660-What-is-Express-ACH (August 14, 2026)",[],{"_key":1300,"_type":143,"children":2838,"level":1193,"listItem":2772,"markDefs":2843,"style":164},[2839],{"_key":2840,"_type":147,"marks":2841,"text":2842},"k34",[],"https:\u002F\u002Fwww.novo.co\u002Flearn\u002Fguide-to-novo-funding (August 14, 2026)",[],1790850621909]