Softwr

Accounting · head to head

Conta vs Melio

Conta logo

Conta

Accounting

Norwegian accounting software for small and growing businesses

From
Free
Rated
-
Full reviewWebsite
Melio logo

Melio

Accounting

Simple business payments

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Conta norwegian pricing only: displayed in NOK without multi-currency support for international comparisons; Melio card payments incur flat 2.9% fee on all plans
  • Prices and features above were last checked on 2 September 2026.

Where they differ

Only the attributes on which Conta and Melio actually diverge.

Attributes where Conta and Melio differ
AttributeContaMelio
Pricing modelsubscriptionfreemium
PlatformsWebWeb, Mobile app
FoundedUnknown2018

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Accounting).

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 Conta

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.

Conta

  • Norwegian small business accounting and invoicingnot Melio
  • Project and department cost trackingnot Melio
  • EHF/eInvoice generation for Norwegian regulatory compliancenot Melio

Melio

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

Where each one falls short

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

Conta

  • Norwegian pricing only: displayed in NOK without multi-currency support for international comparisons
  • Annual billing required: no monthly-pay option for either tier, forcing yearly commitment
  • Pro tier vaporware: listed as 'coming soon' with no pricing or feature roadmap provided
  • Limited feature differentiation: Smart tier is 'most selected' by customers but does not clearly explain what additional business value justifies 62% price premium over Standard

Melio

  • Card payments incur flat 2.9% fee on all plans
  • International payments charged $20 flat fee or 2.9% conversion rate plus international fees
  • Paper checks cost $1.50 per check
  • Wire transfers cost $10 standard or up to 1% plus $10 for same-day processing
  • Core and Boost plans charged $10/month per additional user beyond base

Pricing, plan by plan

Conta

Free
  • Conta Regnskap Standard$209/month (billed annually)
  • Conta Regnskap Smart$339/month (billed annually)
  • Conta Regnskap Pro$undefined/mo

Melio

Free
  • GoFree
    • 5 free ACH payments per month
    • Pay by card, wire, or check
    • Basic invoicing
  • Core$25/month
    • 20 free ACH payments per month
    • $20/month with annual billing
    • QuickBooks Online and Xero sync
  • Boost$55/month
    • 50 free ACH payments per month
    • $44/month with annual billing
    • QuickBooks Desktop sync
  • Unlimited$80/month
    • Unlimited free ACH payments
    • $64/month with annual billing
    • NetSuite sync

Which should you pick?

Choose Conta if

  • You want to start without paying.
Conta 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 Conta or Melio better?
Neither clearly leads. Conta starts at Free and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Conta or Melio?
Conta starts at Free and Melio at Free.
Does Conta or Melio run on more platforms?
Conta runs on Web. Melio runs on Web, Mobile app.
Can I use Conta for free?
Both have a free tier, so you can try either at no cost before committing.
What is Conta best used for?
Conta is most often used for norwegian small business accounting and invoicing, project and department cost tracking, ehf/einvoice generation for norwegian regulatory compliance. Of those, norwegian small business accounting and invoicing and project and department cost tracking are not what Melio is typically brought in for.
What can Conta do that Melio cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.

Answered from the vendors’ own pages

Conta: How much does Conta cost per month?

Conta Regnskap Standard costs 209 NOK/month and Smart costs 339 NOK/month, billed annually. Both exclude VAT and include a 30-day free trial option.

Source
Melio: What does Melio charge for ACH payments?

Melio's free Go tier includes 5 free ACH payments per month. Core tier provides 20 free ACH payments per month at $25/month. Boost offers 50 free ACH payments at $55/month. Unlimited tier at $80/month includes unlimited free ACH payments.

Source
Conta: Can I pay monthly instead of annually?

No. Both Standard and Smart tiers require annual billing at a fixed monthly rate. Monthly-payment options are not available.

Source
Melio: Does Melio charge fees for card payments?

Yes, Melio charges a flat 2.9% fee on all card payments. International card payments also include currency conversion charges and international fees beyond the base 2.9%.

Source
Conta: What is included in the Standard vs. Smart plan?

Standard includes accounting, invoicing, unlimited receipts, mobile app, and EHF/eInvoice. Smart adds KID numbers, unlimited EHF, project/department management, free chat/phone support, and exclusive equipment discounts.

Source
Melio: Can I use Melio for free?

Yes, Melio's free Go tier allows 5 free ACH payments per month with no subscription cost. Users can pay by card, wire, or check and access basic invoicing and payment link features.

Source
Conta: When will the Pro plan be available and what will it cost?

The Pro tier is listed as 'coming soon' on the pricing page with no published pricing or launch date provided.

Source
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