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E-Commerce · head to head

Heartland Retail vs Melio

Heartland Retail logo

Heartland Retail

E-Commerce

Omnichannel retail management platform

From
$150/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.
  • They diverge on capability: Heartland Retail covers Point of sale, Melio covers Vendor payments.

Where they differ

Only the attributes on which Heartland Retail and Melio actually diverge.

Attributes where Heartland Retail and Melio differ
AttributeHeartland RetailMelio
Starting price$150/monthFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWebWeb, Mobile app
CategoryE-CommerceAccounting
Founded19972018

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 Heartland Retail

  • Point of sale
  • Omnichannel selling
  • Inventory management
  • Customer management
  • Payment processing
  • Employee management
  • Analytics
  • Reporting

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.

Heartland Retail

No use cases recorded yet. See the Heartland Retail review.

Melio

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

Where each one falls short

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

Heartland Retail

Nothing recorded yet. See the Heartland Retail review.

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

Heartland Retail

$150/month
  • Core$150/month
    • POS system
    • Inventory management
    • Customer management
  • Professional$350/month
    • All Core features
    • Omnichannel
    • Advanced analytics

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 Heartland Retail if

  • You need point of sale.
  • You also want omnichannel selling.
Heartland Retail 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 Heartland Retail or Melio better?
Neither clearly leads. Heartland Retail starts at $150/month and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Heartland Retail or Melio?
Melio has a free tier; the other does not. Paid plans start at $150/month for Heartland Retail and Free for Melio.
Does Heartland Retail or Melio run on more platforms?
Heartland Retail 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. Heartland Retail starts at $150/month.
What can Heartland Retail do that Melio cannot?
Heartland Retail covers Point of sale, Omnichannel selling, Inventory management, Customer management. Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.

Answered from the vendors’ own pages

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
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
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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