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Software · head to head

Melio vs Nifty

Melio logo

Melio

Software

Simple business payments

From
Free
Rated
-
Full reviewWebsite
Nifty logo

Nifty

Software

The operating system for your workflow

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; Nifty the free plan allows 100 MB of storage and 2 active projects
  • They diverge on capability: Melio covers Vendor payments, Nifty covers Tasks.

Where they differ

Only the attributes on which Melio and Nifty actually diverge.

Attributes where Melio and Nifty differ
AttributeMelioNifty
Starting priceFreeOn request
Free tierYesNo
PlatformsWeb, Mobile appWeb, Ios, Android
Founded20182017

Identical on both: pricing model (freemium), 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 Nifty

  • Tasks
  • Milestones
  • Docs
  • Chat
  • Time tracking
  • Slack
  • Google Workspace
  • Zoom

Both cover

  • SOC 2
  • Web support
  • Ios support
  • Android support

What people use each for

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

Melio

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

Nifty

  • Project management with milestones, docs and team chat in one workspacenot Melio
  • Tracking client projects with guest access and time trackingnot 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)

Nifty

  • The free plan allows 100 MB of storage and 2 active projects
  • The standard plans are flat monthly fees with hard member caps, at 20 on Pro and 50 on Business, so the 21st member forces a jump from $79 to $124 a month
  • Active projects are capped at 100 on Pro despite the flat fee
  • Time tracking, custom fields and workflow automations all require the Pro plan
  • Microsoft SSO is Business only and SAML is Unlimited only, at $399 a month
  • White labelling and IP restriction are Unlimited only

Pricing, plan by plan

Melio

Free

No published plan breakdown. See the Melio review.

Nifty

On request
  • FreeFree
    • 2 projects
    • Basic features
  • Starter$5/month
    • 40 projects
    • Roadmaps
    • Time tracking

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 Nifty if

  • You need tasks.
  • You work on Web, Ios, Android.
  • You also want milestones.
Nifty review

Questions people ask

Is Melio or Nifty better?
Neither clearly leads. Melio starts at Free and Nifty at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Nifty?
Melio has a free tier; the other does not. Paid plans start at Free for Melio and On request for Nifty.
Does Melio or Nifty run on more platforms?
Melio runs on Web, Mobile app. Nifty runs on Web, Ios, Android.
Can I use Melio for free?
Yes. Melio has a free tier, so you can try it without paying. Nifty 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 Nifty is typically brought in for.
What can Melio do that Nifty cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Nifty covers Tasks, Milestones, Docs, Chat. Both handle SOC 2, Web support, Ios support, Android support.
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