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Software · head to head

Melio vs Adyen

Melio logo

Melio

Software

Simple business payments

From
Free
Rated
-
Full reviewWebsite
Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Only Melio has a free tier, so it costs nothing to try first.
  • Each has a real cost: Melio go (free) plan limited to one user only; Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • They diverge on capability: Melio covers Vendor payments, Adyen covers Payment processing.

Where they differ

Only the attributes on which Melio and Adyen actually diverge.

Attributes where Melio and Adyen differ
AttributeMelioAdyen
Starting priceFree$29/month
Pricing modelfreemiumusage-based
Free tierYesNo
PlatformsWeb, Mobile appWeb, Api, Pos
Founded20182006

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 Melio

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

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Both cover

  • SOC 2
  • Web support

What people use each for

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

Melio

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

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Melio
  • Accepting local payment methods across multiple countriesnot Melio
  • Settling in several currencies through linked bank accountsnot Melio
  • Unified online and in-person paymentsnot Melio

Where each one falls short

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

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)

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Pricing, plan by plan

Melio

Free

No published plan breakdown. See the Melio review.

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Which should you pick?

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

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Questions people ask

Is Melio or Adyen better?
Neither clearly leads. Melio starts at Free and Adyen at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Adyen?
Melio has a free tier; the other does not. Paid plans start at Free for Melio and $29/month for Adyen.
Does Melio or Adyen run on more platforms?
Melio runs on Web, Mobile app. Adyen runs on Web, Api, Pos.
Can I use Melio for free?
Yes. Melio has a free tier, so you can try it without paying. Adyen starts at $29/month.
What is Melio best used for?
Melio is most often used for accounts payable automation, bill management and payment scheduling, multi-vendor payment processing, invoice receivables and payment collection. Of those, accounts payable automation and bill management and payment scheduling are not what Adyen is typically brought in for.
What can Melio do that Adyen cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Both handle SOC 2, Web support.
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