Softwr

E-commerce · head to head

Checkout.com vs Melio

C

Checkout.com

E-commerce

Your business deserves tailored pricing based on your needs

From
On request
Rated
-
Full reviewWebsite
Melio logo

Melio

Accounting & Finance

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: Checkout.com checkout.com/pricing publishes no per-transaction percentage or fixed fee; pricing is set per business profile and risk category through direct sales contact, per the vendor's own pricing page (Aug 2026); Melio go (free) plan limited to one user only

Where they differ

Only the attributes on which Checkout.com and Melio actually diverge.

Attributes where Checkout.com and Melio differ
AttributeCheckout.comMelio
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWebWeb, Mobile app
CategoryE-commerceAccounting & Finance
FoundedUnknown2018

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

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 Checkout.com

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.

Checkout.com

No use cases recorded yet. See the Checkout.com review.

Melio

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

Where each one falls short

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

Checkout.com

  • checkout.com/pricing publishes no per-transaction percentage or fixed fee; pricing is set per business profile and risk category through direct sales contact, per the vendor's own pricing page (Aug 2026)
  • Choosing between the flat-rate and Interchange++ pricing models requires contacting the sales team, since neither model's rate is quoted publicly on the page

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

Checkout.com

On request

No published plan breakdown. See the Checkout.com review.

Melio

Free

No published plan breakdown. See the Melio review.

Which should you pick?

Choose Checkout.com if

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

Checkout.com 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 Checkout.com or Melio better?
Neither clearly leads. Checkout.com 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, Checkout.com or Melio?
Melio has a free tier; the other does not. Paid plans start at On request for Checkout.com and Free for Melio.
Does Checkout.com or Melio run on more platforms?
Checkout.com 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. Checkout.com starts at On request.
What can Checkout.com do that Melio cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.
ShareXLinkedInRedditWhatsAppEmail

Related pages

More on Checkout.com

More on Melio

Keep looking

Other head to heads