Business Banking · reliability comparison
Airwallex vs Mercury: which is more reliable? (2026)
Mercury is more reliable than Airwallex, scoring 56.6 vs 50.8 out of 100. Over the last 90 days Airwallex reported 7 incidents and Mercury reported 5, with effective uptime of 98.43% and 99.23% respectively. Airwallex resolves incidents faster on average (10h 41m).
Data updated Nov 2, 2026 · How we score
| Metric | Airwallex | Mercury |
|---|---|---|
| Reliability score | 50.8 | 56.6 |
| Rank (business banking providers) | #5 | #4 |
| Uptime (90 days) | 98.43% | 99.23% |
| Incidents (90 days) | 7 | 5 |
| Partial / major outages | 3 | 0 |
| Avg time to resolve | 10h 41m | 19h |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Airwallex and Mercury differ
- Airwallex reported 40% more incidents than Mercury over the last 90 days (7 vs 5).
- Airwallex had 3 partial or major outages, compared with 0 for Mercury.
- Airwallex fixes problems faster: 10h 41m on average, against 19h for Mercury.
- Airwallex's longest outage on record lasted 2d 15h (Oct 3, 2026); Mercury's lasted 3d (Oct 7, 2026).
90-day uptime
Airwallex
Mercury
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Airwallex incidents
- Partial outageOct 27, 2026 · resolved in 12m
Partial outage on FX conversion-quote service
Affected: Transactional FX, Payouts
- Degraded performanceOct 16, 2026 · resolved in 8h 44m
Third-party outage causing PIX payment failures
Affected: Payments, Payouts
- Degraded performanceOct 9, 2026 · resolved in 1h 32m
Third-party outage causing Alipay, Wechat Pay, PayMe and PIX payment failures
Affected: Payments
- Partial outageOct 3, 2026 · resolved in 2d 15h
Third-party outage causing delays in processing some USD depositsofficial update ↗
Affected: Global Accounts
- Degraded performanceSep 16, 2026 · resolved in <1m
Affected: Payments
- Degraded performanceSep 14, 2026 · resolved in <1m
Affected: Web App, Singapore
Recent Mercury incidents
- InformationalOct 27, 2026 · resolved in <1m
- MaintenanceOct 16, 2026 · ongoing
Planned maintenance on October 18: Rescheduled
Affected: Account Access, Money Movement , Integrations & API
- Degraded performanceOct 7, 2026 · resolved in 6d 17h
Failed Investments Wire Transfers Out for Some Customers
Affected: Mercury Treasury
- Degraded performanceOct 2, 2026 · resolved in 1h 18m
Issues Revealing Card Details on Web and Mobile
Affected: Cards
- Degraded performanceSep 2, 2026 · resolved in 2h 5m
Account Actions Experiencing Delays
Affected: Money Movement , Check Deposits, Bill Pay & Invoicing, Integrations & API
- Degraded performanceSep 1, 2026 · resolved in 38m
Intermittent Inbound & Outbound Call Disruption
Affected: Support
Other business banking providers to consider
- Monzo Business · #1 · 100% uptime
- Tide · #2 · 100% uptime
- Rho · #3 · 99.96% uptime
- Brex · #6 · 97.69% uptime
See the full most reliable business banking providers ranking →