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Software · head to head

McAfee Total Protection vs Melio

McAfee Total Protection logo

McAfee Total Protection

Software

Award-winning antivirus trusted by millions

From
$29.99/year
Rated
-
Full reviewWebsite
Melio logo

Melio

Software

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: McAfee Total Protection significant renewal price increase after first year (from $29.99 to $84.99/year); Melio go (free) plan limited to one user only
  • They diverge on capability: McAfee Total Protection covers Real-time antivirus, Melio covers Vendor payments.

Where they differ

Only the attributes on which McAfee Total Protection and Melio actually diverge.

Attributes where McAfee Total Protection and Melio differ
AttributeMcAfee Total ProtectionMelio
Starting price$29.99/yearFree
Pricing modelUnknownfreemium
Free tierNoYes
PlatformsWindows, macOS, iOS, AndroidWeb, Mobile app
Founded19872018

Identical on both: user rating (Not yet rated), category (Unknown).

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 McAfee Total Protection

  • Real-time antivirus
  • Firewall
  • Safe browsing
  • Password manager
  • Secure VPN
  • Identity monitoring
  • Protection Score
  • Parental controls

Only in Melio

  • Vendor payments
  • Card to check
  • Payment scheduling
  • Approval workflows
  • QuickBooks sync
  • QuickBooks
  • Xero
  • FreshBooks

Both cover

  • Web support

What people use each for

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

McAfee Total Protection

  • Antivirusnot Melio
  • Internet Securitynot Melio
  • Identity Protectionnot Melio

Melio

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

Where each one falls short

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

McAfee Total Protection

  • Significant renewal price increase after first year (from $29.99 to $84.99/year)
  • Customer support responsiveness issues reported as reason for switching
  • Renewal billing can be aggressive with auto-renewal defaults

Melio

  • Go (free) plan limited to one user only
  • ACH charges £0.50 per transaction beyond monthly allowance (5-50 free depending on plan)
  • Card payment fees range from 2.9% to 2.9% plus £75 maximum
  • International payments limited to select currencies only
  • NetSuite integration only available in Unlimited plan (£80/month minimum)

Pricing, plan by plan

McAfee Total Protection

$29.99/year
  • Basic$29.99/year
    • Antivirus
    • Firewall
    • 1 device
  • Plus$39.99/year
    • Antivirus
    • Firewall
    • 5 devices
  • Premium$49.99/year
    • Antivirus
    • Firewall
    • VPN
  • Advanced$74.99/year
    • Antivirus
    • Firewall
    • VPN

Melio

Free

No published plan breakdown. See the Melio review.

Which should you pick?

Choose McAfee Total Protection if

  • You need real-time antivirus.
  • You work on Windows, macOS, iOS, Android.
  • You also want firewall.
McAfee Total Protection 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 McAfee Total Protection or Melio better?
Neither clearly leads. McAfee Total Protection starts at $29.99/year and Melio at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, McAfee Total Protection or Melio?
Melio has a free tier; the other does not. Paid plans start at $29.99/year for McAfee Total Protection and Free for Melio.
Does McAfee Total Protection or Melio run on more platforms?
McAfee Total Protection runs on Windows, macOS, 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. McAfee Total Protection starts at $29.99/year.
What is McAfee Total Protection best used for?
McAfee Total Protection is most often used for antivirus, internet security, identity protection. Of those, antivirus and internet security are not what Melio is typically brought in for.
What can McAfee Total Protection do that Melio cannot?
McAfee Total Protection covers Real-time antivirus, Firewall, Safe browsing, Password manager. Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Both handle Web support.

Answered from the vendors’ own pages

McAfee Total Protection: How much does McAfee Total Protection cost?

McAfee Total Protection introductory pricing ranges from $29.99/year (Basic) to $74.99/year (Advanced), but renewal costs jump to $84.99/year after the first year.

Source
McAfee Total Protection: What is the trial period for McAfee Total Protection?

McAfee offers a 60-day money-back guarantee, allowing you to try the service risk-free for two months.

Source
McAfee Total Protection: How many devices can I protect with one McAfee Total Protection subscription?

Device coverage varies by plan: Basic covers 1 device, while other plans protect 5 to unlimited devices depending on the tier selected.

Source
McAfee Total Protection: Does McAfee Total Protection include VPN?

VPN is included in higher-tier McAfee plans if you opt for auto-renewal.

Source
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