Softwr

Accounting · head to head

Hnry vs Melio

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

From
1/per $100 income
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: Hnry service limited to self-employed sole traders in New Zealand only; 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 Hnry and Melio actually diverge.

Attributes where Hnry and Melio differ
AttributeHnryMelio
Starting price1/per $100 incomeFree
Pricing modelusage-basedfreemium
Free tierNoYes
PlatformsWebWeb, Mobile app
FoundedUnknown2018

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 Hnry

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.

Hnry

  • Calculating quarterly tax without manual bookkeepingnot Melio
  • Logging expenses via photo instantlynot Melio
  • Sending unlimited invoices with auto-follow-upnot Melio
  • Automatically withholding income taxes year-roundnot Melio

Melio

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

Where each one falls short

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

Hnry

  • Service limited to self-employed sole traders in New Zealand only
  • 1% + GST fee with $1,500 annual maximum cap
  • Minimum $0.50 fee per transaction for payments under $50

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

Hnry

1/per $100 income

No published plan breakdown. See the Hnry 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 Hnry if

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

Hnry 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 Hnry or Melio better?
Neither clearly leads. Hnry starts at 1/per $100 income and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Melio?
Melio has a free tier; the other does not. Paid plans start at 1/per $100 income for Hnry and Free for Melio.
Does Hnry or Melio run on more platforms?
Hnry 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. Hnry starts at 1/per $100 income.
What is Hnry best used for?
Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Melio is typically brought in for.
What can Hnry do that Melio cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.

Answered from the vendors’ own pages

Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

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
Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

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
Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

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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