Melio
Payment processing software
Accounts receivable software
Accounts payable automation software
Enterprise payment software
Invoice management software
Contractor payment software
Payment software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$25 per month
Free TrialFree version
Small
Medium
Large
- Agriculture, fishing, and forestry
- Arts, entertainment, and recreation
- Real estate and property management
What is Melio
Melio is a cloud-based accounts payable and receivable platform that helps small businesses and accounting firms pay vendors and collect customer payments. It supports paying bills by bank transfer (ACH) or card, including sending checks to vendors that do not accept cards, and it provides scheduling and approval workflows. The product is commonly used to centralize bill intake, manage payment timing, and sync payment activity with accounting systems such as QuickBooks.
Multiple vendor payment methods
Melio supports paying vendors via ACH bank transfer, credit/debit card, and mailed checks. This helps businesses pay suppliers that only accept checks while still initiating payments digitally. It also enables card-funded payments for cash-flow timing, with the vendor receiving ACH or check depending on their setup.
Bill scheduling and approvals
Users can schedule payments in advance and manage due dates from a centralized bills view. Role-based permissions and approval workflows support separation of duties for teams and external accountants. This aligns with common AP automation requirements for small and mid-sized organizations.
Accounting system synchronization
Melio integrates with accounting platforms (notably QuickBooks) to sync vendors, bills, and payment status. This reduces duplicate data entry and helps keep the general ledger aligned with payment activity. The integration focus supports accounting-firm use cases where multiple client entities are managed.
Limited enterprise controls
Compared with enterprise payment platforms, Melio typically offers fewer advanced controls such as complex multi-entity treasury features, highly configurable payment routing, and deep ERP-native workflows. Organizations with strict global compliance, sophisticated approval matrices, or extensive audit requirements may need additional tooling. Fit for purpose is strongest in SMB and accounting-firm scenarios rather than large enterprise deployments.
Fees for certain payments
While bank transfers can be low-cost, card-funded payments and some expedited services generally involve transaction fees. These costs can be material for high-volume AP or large invoice values. Businesses need to evaluate total payment costs against cash-flow benefits and vendor acceptance constraints.
International and currency scope
Melio’s capabilities are primarily oriented around U.S.-centric workflows and may not cover all cross-border payment needs, local rails, or multi-currency requirements. Companies with significant international supplier bases may encounter limitations in payout options and settlement expectations. This can require supplemental providers for global disbursements.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Go | $0 per month (free forever) | Limited to 1 user; 5 free ACH payments/month (after that ACH = $0.50 each); pay by ACH, wire, or check; card payments supported; mobile app; invoicing / Get Paid features; up to 10 QuickBooks/Xero syncs. |
| Core | $25 per month (monthly) — $20 per month (billed annually) | Includes 1 user by default; +$10/mo per additional user ($8/mo per additional user billed annually); 20 free ACH payments/month (after that ACH = $0.50 each); batch payments; approval workflows; QuickBooks Online & Xero sync (unlimited); W-9 & 1099 automation; priority chat support; AI bill capture. |
| Boost | $55 per month (monthly) — $44 per month (billed annually) | +$10/mo per additional user ($8/mo per additional user billed annually); 50 free ACH payments/month; advanced approval workflows; QuickBooks Desktop sync; advanced user roles; priority (including phone) support; vendor credits; additional controls for larger teams/accounting firms. |
| Unlimited | $80 per month (monthly) — $64 per month (billed annually) | Unlimited free ACH payments/month; unlimited user seats; premium phone support; dedicated account manager; white-glove onboarding; advanced roles & custom approval workflows. |
| Platinum (Invite-only) | Custom pricing | Invite-only plan for high-volume businesses (e.g., >$300K/mo in card volume); custom transaction pricing, API access, card-to-wire options and enterprise integrations. |
Selected transaction fees (official pricing page — summary of common items):
- ACH bank transfer (when used beyond plan allotment for payers): $0.50 per payment.
- Mail check: $1.50 (first 2 checks/month free on some plans).
- Fast/overnight/instant delivery / same-day options carry higher fixed or percentage fees (examples on pricing page: Fast check $20; Overnight check $50; Instant bank transfer: 1% (up to $75); Same-day ACH: 1% (up to $75)).
- Credit/debit card payments: generally 2.9% (varies by receiving method/delivery; global card receiving fees and add-on fixed fees apply).
- Global payments (ACH/card) and Pay Over Time have separate fee schedules (see official page).
Notes:
- Melio offers a 30‑day free trial: "Get access to 30 days of unlimited free ACH payments" (no credit card needed).
- All pricing and fee figures above are taken from Melio's official pricing page (meliopayments.com/pricing) and Melio Help Center documentation.
Seller details
Melio Payments Inc.
New York, NY, USA
2018
Private
https://melio.com
https://x.com/meliopayments
https://www.linkedin.com/company/melio-payments/
