Softwr

Accounting · head to head

Fortnox vs Melio

Fortnox logo

Fortnox

Accounting

Swedish cloud accounting and business platform for bookkeeping, invoicing and payroll

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: Fortnox corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK); Melio card payments incur flat 2.9% fee on all plans
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Fortnox and Melio actually diverge.

Attributes where Fortnox and Melio differ
AttributeFortnoxMelio
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 Fortnox

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.

Fortnox

  • Registering Swedish corporations with guided formation assistancenot Melio
  • Selling unpaid invoices to improve cash flownot Melio
  • Managing multiple client businesses from bureau dashboardnot Melio
  • Integrating payroll with Swedish banking automationnot Melio

Melio

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

Where each one falls short

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

Fortnox

  • Corporate packages alone span at least 7 named tiers (Mini through Stor+) priced from 209 kr/man to 919 kr/man, and add-on programs are billed separately per module (SEK)
  • The Fortnox Access verification tier is priced by transaction volume, rising from 9 kr/man at zero verifications to 199 kr/man at 1000+ verifications (SEK), so cost is not fixed and scales with usage

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

Fortnox

Free
  • New Company TrialFree
    • 6-month free trial for newly started businesses

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 Fortnox if

  • You want to start without paying.
Fortnox 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 Fortnox or Melio better?
Neither clearly leads. Fortnox 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, Fortnox or Melio?
Fortnox starts at Free and Melio at Free.
Does Fortnox or Melio run on more platforms?
Fortnox runs on Web. Melio runs on Web, Mobile app.
Can I use Fortnox for free?
Both have a free tier, so you can try either at no cost before committing.
What is Fortnox best used for?
Fortnox is most often used for registering swedish corporations with guided formation assistance, selling unpaid invoices to improve cash flow, managing multiple client businesses from bureau dashboard, integrating payroll with swedish banking automation. Of those, registering swedish corporations with guided formation assistance and selling unpaid invoices to improve cash flow are not what Melio is typically brought in for.
What can Fortnox do that Melio cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.

Answered from the vendors’ own pages

Fortnox: Does Fortnox offer a free trial?

Yes, newly started businesses receive their first six months in Fortnox at no cost, followed by subscription-based pricing.

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
Fortnox: What pricing tiers does Fortnox offer?

Fortnox offers tiered subscription packages that vary by module (accounting, invoicing, payroll) but specific pricing details are not listed on the main website.

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
Fortnox: How can I find Fortnox pricing information?

Detailed pricing is available on the packages page (/paket), through a purchasing guide tool at buy-guide.fortnox.se, or by contacting sales representatives directly.

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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