Softwr

Accounting · head to head

Kodo vs Melio

Kodo logo

Kodo

Accounting

Corporate cards and intake to pay for Indian businesses

From
On request
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: Kodo kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.; Melio card payments incur flat 2.9% fee on all plans
  • They diverge on capability: Kodo covers Corporate cards, Melio covers Vendor payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Kodo and Melio actually diverge.

Attributes where Kodo and Melio differ
AttributeKodoMelio
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, 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 Kodo

  • Corporate cards
  • Purchase requests
  • Invoice capture and matching
  • Vendor payouts
  • GST and TDS handling
  • ERP integration
  • Spend analytics

Only in Melio

  • Vendor payments
  • Card to check
  • Payment scheduling
  • QuickBooks sync
  • QuickBooks
  • Xero
  • FreshBooks
  • SOC 2

Both cover

  • Approval workflows

What people use each for

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

Kodo

  • An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Melio
  • A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Melio
  • A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Melio
  • A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot Melio

Melio

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

Where each one falls short

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

Kodo

  • Kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
  • Indian regulatory changes on prepaid instruments and card issuing partnerships have repeatedly disrupted fintech card programmes, so continuity risk is higher here than in equivalent European or United States products.
  • Pricing is not published, so comparing Kodo against Happay, Zoho Expense or a bank corporate card requires a full sales cycle and disclosure of your spend volumes.
  • Coverage is India only, so any group with overseas subsidiaries runs a second card and payables system and loses the consolidated view.
  • The intake to pay workflow is lighter than a dedicated procurement suite, with limited contract management and supplier onboarding, so regulated or heavily audited buyers will find gaps.

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

Kodo

On request
  • Kodo$undefined/year
    • Quoted per customer, no published rate card
    • Card limits and settlement terms set by the sponsoring partner bank
    • Payout volumes and payment rails may carry per transaction charges

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 Kodo if

  • You need corporate cards.
  • You work on Web, iOS, Android.
  • You also want purchase requests.
Kodo 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 Kodo or Melio better?
Neither clearly leads. Kodo 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, Kodo or Melio?
Melio has a free tier; the other does not. Paid plans start at On request for Kodo and Free for Melio.
Does Kodo or Melio run on more platforms?
Kodo 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. Kodo starts at On request.
What is Kodo best used for?
Kodo is most often used for an indian startup replacing founder personal cards with issued cards carrying per employee limits, a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval, a company that needs gst compliant invoice coding flowing into tally without rekeying, a business enforcing purchase requests and approvals before spend rather than reconciling it afterwards. Of those, an indian startup replacing founder personal cards with issued cards carrying per employee limits and a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval are not what Melio is typically brought in for.
What can Kodo do that Melio cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts. Melio covers Vendor payments, Card to check, Payment scheduling, QuickBooks sync. Both handle Approval workflows.

Answered from the vendors’ own pages

Kodo: Who actually issues the cards?

A partner bank under a card network arrangement, not Kodo. Ask which bank, whether the product is credit or prepaid, and what happens to your limits if the partnership changes.

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
Kodo: Is pricing published?

No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.

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
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

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
Share

Related pages

More on Kodo

More on Melio

Keep looking

Other head to heads