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ADP vs Melio

ADP logo

ADP

Software

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Melio logo

Melio

Software

Simple business payments

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Melio has a free tier, so it costs nothing to try first.
  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Melio go (free) plan limited to one user only
  • They diverge on capability: ADP covers Payroll, Melio covers Vendor payments.

Where they differ

Only the attributes on which ADP and Melio actually diverge.

Attributes where ADP and Melio differ
AttributeADPMelio
Starting price$29/monthFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb, Mobile app
Founded19492018

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • Sage
  • Oracle
  • SOC 1/2

Only in Melio

  • Vendor payments
  • Card to check
  • Payment scheduling
  • Approval workflows
  • QuickBooks sync
  • Xero
  • FreshBooks
  • SOC 2

Both cover

  • QuickBooks
  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Melio
  • HR administration and employee recordsnot Melio
  • Time and attendance trackingnot Melio
  • Benefits administrationnot Melio
  • Talent management on the mid-market and enterprise productsnot Melio

Melio

  • Accounts payable automationnot ADP
  • Bill management and payment schedulingnot ADP
  • Multi-vendor payment processingnot ADP
  • Invoice receivables and payment collectionnot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Melio

  • Go (free) plan limited to one user only
  • ACH charges £0.50 per transaction beyond monthly allowance (5-50 free depending on plan)
  • Card payment fees range from 2.9% to 2.9% plus £75 maximum
  • International payments limited to select currencies only
  • NetSuite integration only available in Unlimited plan (£80/month minimum)

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Melio

Free

No published plan breakdown. See the Melio review.

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Melio if

  • You need vendor payments.
  • You want to start without paying.
  • You work on Web, Mobile app.
  • You also want card to check.
Melio review

Questions people ask

Is ADP or Melio better?
Neither clearly leads. ADP starts at $29/month and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Melio?
Melio has a free tier; the other does not. Paid plans start at $29/month for ADP and Free for Melio.
Does ADP or Melio run on more platforms?
ADP runs on Web, Ios, Android. Melio runs on Web, Mobile app.
Can I use Melio for free?
Yes. Melio has a free tier, so you can try it without paying. ADP starts at $29/month.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Melio is typically brought in for.
What can ADP do that Melio cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Both handle QuickBooks, Web support, Ios support, Android support.
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