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E-Commerce · head to head

Magento vs Melio

Magento logo

Magento

E-Commerce

Open-source ecommerce platform for enterprise retail

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: Magento magento Open Source is available under the OSL v3 license as a free self-hosted edition, but Adobe sells a separate proprietary Adobe Commerce edition with additional B2B, page builder and cloud features not included in the open source code; Melio card payments incur flat 2.9% fee on all plans
  • They diverge on capability: Magento covers Multi-store management, Melio covers Vendor payments.

Where they differ

Only the attributes on which Magento and Melio actually diverge.

Attributes where Magento and Melio differ
AttributeMagentoMelio
Pricing modelopen-sourcefreemium
PlatformsWebWeb, Mobile app
CategoryE-CommerceAccounting
Founded20082018

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 Magento

  • Multi-store management
  • Advanced product catalog
  • Customer segmentation
  • Order management system
  • Inventory management
  • Progressive Web App
  • GraphQL API
  • Security & compliance

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.

Magento

No use cases recorded yet. See the Magento review.

Melio

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

Where each one falls short

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

Magento

  • Magento Open Source is available under the OSL v3 license as a free self-hosted edition, but Adobe sells a separate proprietary Adobe Commerce edition with additional B2B, page builder and cloud features not included in the open source code

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

Magento

Free
  • Magento Open SourceFree
    • Unlimited products
    • Multiple storefronts
    • Advanced marketing
  • Adobe Commerce$20000/year
    • All Open Source features
    • 24/7 enterprise support
    • Managed cloud hosting

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 Magento if

  • You need multi-store management.
  • You want to start without paying.
  • You also want advanced product catalog.
Magento 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 Magento or Melio better?
Neither clearly leads. Magento 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, Magento or Melio?
Magento starts at Free and Melio at Free.
Does Magento or Melio run on more platforms?
Magento runs on Web. Melio runs on Web, Mobile app.
Can I use Magento for free?
Both have a free tier, so you can try either at no cost before committing.
What can Magento do that Melio cannot?
Magento covers Multi-store management, Advanced product catalog, Customer segmentation, Order management system. 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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