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Software · head to head

Authorize.net vs Melio

A

Authorize.net

Software

We help make it easy to get paid

From
On request
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: Authorize.net all-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it; Melio go (free) plan limited to one user only

Where they differ

Only the attributes on which Authorize.net and Melio actually diverge.

Attributes where Authorize.net and Melio differ
AttributeAuthorize.netMelio
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWebWeb, Mobile app
FoundedUnknown2018

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 Authorize.net

Nothing recorded that Melio does not also cover.

Only in Melio

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

What people use each for

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

Authorize.net

No use cases recorded yet. See the Authorize.net review.

Melio

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

Where each one falls short

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

Authorize.net

  • All-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it
  • eCheck processing carries its own $10 monthly minimum fee separate from the card processing charges

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

Authorize.net

On request

No published plan breakdown. See the Authorize.net review.

Melio

Free

No published plan breakdown. See the Melio review.

Which should you pick?

Choose Authorize.net if

Nothing in the data separates Authorize.net from Melio on the points above - pick on price and on how each one feels to use.

Authorize.net 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 Authorize.net or Melio better?
Neither clearly leads. Authorize.net starts at On request and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Melio?
Melio has a free tier; the other does not. Paid plans start at On request for Authorize.net and Free for Melio.
Does Authorize.net or Melio run on more platforms?
Authorize.net runs on Web. 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. Authorize.net starts at On request.
What can Authorize.net do that Melio cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.
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Related pages

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