✗Intense work demands — 60+ hour weeks and 10-12 hour days are common
✗Shifting to in-office preference — new hires expected 3+ days/week in NYC, SF, or Miami
Bottom Line
Mercury
Choose Mercury if you want product ownership, fast growth, and to build banking infrastructure for startups — but expect growing pains and occasionally intense workloads.
Ramp
Choose Ramp if you want top-tier comp and a product-driven fintech culture — but expect 60+ hour weeks and in-office expectations.