Mercury vs RappiPay.
Mercury (M70/100) and RappiPay (R50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Mercury leads RappiPay 7-0.
| M Mercury №32 · FDIC 70 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.4 ★ 1k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.5 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Mercury if…
Pick if you run a US LLC or C-Corp and want $5M sweep FDIC coverage. Personal accounts not supported.
Pick RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- Best for fees Mercury won 1 of 4
- Best for protection Mercury won 2 of 2
- Best for reach Mercury won 1 of 3
- Best for ux Mercury won 2 of 2
Mercury vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercury better than RappiPay?
Under our v3 methodology, Mercury leads RappiPay 7–0 across 12 dimensions. Composite scores: Mercury 70/100 vs RappiPay 50/100. Mercury is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Mercury or RappiPay cheaper?
Monthly fee — Mercury: €0; RappiPay: €0. Card FX markup — Mercury: 1.00%; RappiPay: 3.00%. Mercury wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Mercury or RappiPay?
Mercury holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. Mercury is the stronger pick on regulatory protection.
Where can I use Mercury and RappiPay?
Mercury operates in 1 country; RappiPay operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.