Softwr

Accounting · head to head

Expensify vs Melio

Expensify logo

Expensify

Accounting

Expense management for receipts, bills & more

From
$5/month
Rated
-
Full reviewWebsite
Melio logo

Melio

Accounting

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: Expensify minimal offline expense entry capabilities hamper use in areas with unstable internet; Melio card payments incur flat 2.9% fee on all plans
  • They diverge on capability: Expensify covers SmartScan receipts, Melio covers Vendor payments.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Expensify and Melio actually diverge.

Attributes where Expensify and Melio differ
AttributeExpensifyMelio
Starting price$5/monthFree
Pricing modelUnknownfreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, Mobile app
Founded20082018

Identical on both: 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 Expensify

  • SmartScan receipts
  • Expense reports
  • Corporate cards
  • Reimbursements
  • Travel booking
  • Mileage tracking
  • Multi-currency
  • Real-time syncing

Only in Melio

  • Vendor payments
  • Card to check
  • Payment scheduling
  • Approval workflows
  • QuickBooks sync
  • FreshBooks
  • SOC 2
  • Bank-level encryption

Both cover

  • QuickBooks
  • Xero

What people use each for

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

Expensify

  • Expense reportingnot Melio
  • Receipt managementnot Melio
  • Travel expensesnot Melio
  • Corporate card managementnot Melio
  • Reimbursementsnot Melio

Melio

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

Where each one falls short

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

Expensify

  • Minimal offline expense entry capabilities hamper use in areas with unstable internet
  • OCR receipt data extraction requires manual review and correction for accuracy
  • Per-user pricing model increases costs for larger organizations

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

Expensify

$5/month

No published plan breakdown. See the Expensify review.

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 Expensify if

  • You need smartscan receipts.
  • You work on Web, iOS, Android.
  • You also want expense reports.
Expensify 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 Expensify or Melio better?
Neither clearly leads. Expensify starts at $5/month and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Expensify or Melio?
Melio has a free tier; the other does not. Paid plans start at $5/month for Expensify and Free for Melio.
Does Expensify or Melio run on more platforms?
Expensify 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. Expensify starts at $5/month.
What is Expensify best used for?
Expensify is most often used for expense reporting, receipt management, travel expenses, corporate card management. Of those, expense reporting and receipt management are not what Melio is typically brought in for.
What can Expensify do that Melio cannot?
Expensify covers SmartScan receipts, Expense reports, Corporate cards, Reimbursements. Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Both handle QuickBooks, Xero.

Answered from the vendors’ own pages

Expensify: How does Expensify capture receipts?

Expensify uses SmartScan technology with OCR to automatically extract data from receipt images, reducing manual data entry. Users can photograph receipts with their phone to quickly create expense entries.

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
Expensify: What reimbursement methods does Expensify support?

Expensify supports ACH reimbursement via direct deposit after setting up a direct deposit account. Next-day reimbursement is available, or standard processing takes 3-5 business days.

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
Expensify: How does Expensify offline mode work?

Expensify has limited offline capabilities. Users can capture receipts offline, but data syncs when internet connectivity is restored. Full functionality requires online access.

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
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