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Software · head to head

Gumroad vs Melio

G

Gumroad

Software

Sell your stuff, see what sticks

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: Gumroad charges a 10 percent plus $0.50 transaction fee on direct sales, rising to 30 percent on sales made through its Discover marketplace; Melio go (free) plan limited to one user only

Where they differ

Only the attributes on which Gumroad and Melio actually diverge.

Attributes where Gumroad and Melio differ
AttributeGumroadMelio
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 Gumroad

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.

Gumroad

No use cases recorded yet. See the Gumroad review.

Melio

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

Where each one falls short

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

Gumroad

  • Charges a 10 percent plus $0.50 transaction fee on direct sales, rising to 30 percent on sales made through its Discover marketplace

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

Gumroad

On request

No published plan breakdown. See the Gumroad review.

Melio

Free

No published plan breakdown. See the Melio review.

Which should you pick?

Choose Gumroad if

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

Gumroad 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 Gumroad or Melio better?
Neither clearly leads. Gumroad 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, Gumroad or Melio?
Melio has a free tier; the other does not. Paid plans start at On request for Gumroad and Free for Melio.
Does Gumroad or Melio run on more platforms?
Gumroad 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. Gumroad starts at On request.
What can Gumroad 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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