Softwr

Accounting & Finance · head to head

Melio vs Conta Azul

Melio logo

Melio

Accounting & Finance

Simple business payments

From
Free
Rated
-
Full reviewWebsite
Conta Azul logo

Conta Azul

Accounting & Finance

Brazilian ERP for micro and small businesses to manage finances and operations

From
On request
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; Conta Azul entry Essencial plan is restricted to businesses earning up to R$81K annually and only 1 user access, so it does not scale with the company

Where they differ

Only the attributes on which Melio and Conta Azul actually diverge.

Attributes where Melio and Conta Azul differ
AttributeMelioConta Azul
Starting priceFreeOn request
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWeb, Mobile appWeb
Founded2018Unknown

Identical on both: user rating (Not yet rated), category (Accounting & Finance).

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 Conta Azul

Nothing recorded that Melio does not also cover.

What people use each for

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

Melio

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

Conta Azul

No use cases recorded yet. See the Conta Azul review.

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)

Conta Azul

  • Entry Essencial plan is restricted to businesses earning up to R$81K annually and only 1 user access, so it does not scale with the company
  • Plan eligibility is tied to annual revenue bands (up to R$81K, R$81K-R$360K, R$360K-R$1.5M, R$1.5M+), not just feature needs, so a fast-growing business must upgrade plans as revenue crosses thresholds

Pricing, plan by plan

Melio

Free

No published plan breakdown. See the Melio review.

Conta Azul

On request

No published plan breakdown. See the Conta Azul review.

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 Conta Azul if

Nothing in the data separates Conta Azul from Melio on the points above - pick on price and on how each one feels to use.

Conta Azul review

Questions people ask

Is Melio or Conta Azul better?
Neither clearly leads. Melio starts at Free and Conta Azul at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Conta Azul?
Melio has a free tier; the other does not. Paid plans start at Free for Melio and On request for Conta Azul.
Does Melio or Conta Azul run on more platforms?
Melio runs on Web, Mobile app. Conta Azul runs on Web.
Can I use Melio for free?
Yes. Melio has a free tier, so you can try it without paying. Conta Azul starts at On request.
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 Conta Azul is typically brought in for.
What can Melio do that Conta Azul cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.
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