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Technology · head to head

Linear vs Melio

Linear logo

Linear

Technology

The issue tracking tool you'll enjoy using

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: Linear no task-level Gantt chart; Timeline view is available for projects only, not individual issues; Melio card payments incur flat 2.9% fee on all plans
  • They diverge on capability: Linear covers Fast, real-time sync, Melio covers Vendor payments.

Where they differ

Only the attributes on which Linear and Melio actually diverge.

Attributes where Linear and Melio differ
AttributeLinearMelio
Pricing modelUnknownfreemium
PlatformsWeb, iOS, Android, macOS, WindowsWeb, Mobile app
CategoryTechnologyAccounting
Founded20192018

Identical on both: starting price (Free), free tier (Yes), 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 Linear

  • Fast, real-time sync
  • Keyboard-first design
  • Automatic issue tracking
  • Cycles (sprints)
  • Projects & milestones
  • Custom workflows
  • API & webhooks
  • Built-in roadmaps

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.

Linear

  • Issue management and triage, converting customer feedback into prioritized issuesnot Melio
  • Strategic planning via initiatives, roadmaps, and PRDs from idea to launchnot Melio
  • Agent-assisted development, with agents drafting docs and submitting pull requestsnot Melio
  • Code review with structural diffs for human and agent outputnot Melio
  • Progress monitoring via dashboards tracking cycle times and project healthnot Melio

Melio

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

Where each one falls short

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

Linear

  • No task-level Gantt chart; Timeline view is available for projects only, not individual issues
  • No native time-tracking or hour-logging feature
  • No native Linux desktop app; official FAQ states it 'may come in the future but it's not on the roadmap for now'
  • Free tier capped at 250 issues and 2 teams

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

Linear

Free
  • FreeFree
    • Unlimited members
    • 2 teams
    • 250 issues
  • Basic$10/month
    • 5 teams
    • Unlimited issues
    • Unlimited file uploads
  • Business$16/month
    • Unlimited teams
    • Private teams/guests
    • Triage Intelligence
  • Enterprise$undefined/month
    • SAML/SCIM
    • Granular admin controls
    • Invoice/PO billing

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 Linear if

  • You need fast, real-time sync.
  • You want to start without paying.
  • You work on Web, iOS, Android, macOS, Windows.
  • You also want keyboard-first design.
Linear 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 Linear or Melio better?
Neither clearly leads. Linear 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, Linear or Melio?
Linear starts at Free and Melio at Free.
Does Linear or Melio run on more platforms?
Linear runs on Web, iOS, Android, macOS, Windows. Melio runs on Web, Mobile app.
Can I use Linear for free?
Both have a free tier, so you can try either at no cost before committing.
What is Linear best used for?
Linear is most often used for issue management and triage, converting customer feedback into prioritized issues, strategic planning via initiatives, roadmaps, and prds from idea to launch, agent-assisted development, with agents drafting docs and submitting pull requests, code review with structural diffs for human and agent output. Of those, issue management and triage, converting customer feedback into prioritized issues and strategic planning via initiatives, roadmaps, and prds from idea to launch are not what Melio is typically brought in for.
What can Linear do that Melio cannot?
Linear covers Fast, real-time sync, Keyboard-first design, Automatic issue tracking, Cycles (sprints). Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.

Answered from the vendors’ own pages

Linear: How much does Linear cost?

Linear has a free tier supporting 2 teams and 250 issues. Paid plans start at $10 per user per month for Basic and $16 per user per month for Business. Annual billing is required for paid tiers.

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
Linear: What are the file upload limits on Linear?

The free tier is restricted to 10MB file uploads per team. Paid plans offer unlimited file uploads.

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
Linear: Does Linear offer an Enterprise plan?

Yes, Linear offers an Enterprise tier with custom pricing, annual billing required, SAML and SCIM support, granular admin controls, and priority support.

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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