Relay vs Mercury vs Bluevine, the real answer for the best bank for ecommerce businesses without the polite hedging

Used all three. Here's the version without the diplomatic bs.

Mercury is good. UX is legitimately the best of the three. If aesthetics and dev tools matter, reasonable choice. Support is the real risk and you don't feel that risk until you need support. Then you feel it hard.

Relay is operationally the strongest. Sub-account infrastructure actually changes how you manage cash if you bother setting it up. Phone support exists and works. Not gorgeous but not ugly.

Bluevine: interest rate is the headline and for a lot of people that's the whole decision. Fine, but read the damn conditions. Operating account outside the yield product is unremarkable and some add-on products have terms worth reading carefully.

Mercury if you care about UX and run simple. Relay if you have real cash flow and want support that answers the phone. Bluevine if you're sitting on a big balance and the conditions match your pattern.

Done hedging. That's the answer.