Softwr

Accounting · head to head

Melio vs Okta

Melio logo

Melio

Accounting

Simple business payments

From
Free
Rated
-
Full reviewWebsite
Okta logo

Okta

Technology

The identity platform for builders

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Melio card payments incur flat 2.9% fee on all plans; Okta requires $1,500 annual minimum contract
  • They diverge on capability: Melio covers Vendor payments, Okta covers Single sign-on (SSO).

Where they differ

Only the attributes on which Melio and Okta actually diverge.

Attributes where Melio and Okta differ
AttributeMelioOkta
Pricing modelfreemiumUnknown
PlatformsWeb, Mobile appWeb, SaaS
CategoryAccountingTechnology
Founded20182009

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 Melio

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

Only in Okta

  • Single sign-on (SSO)
  • Multi-factor authentication
  • Lifecycle management
  • Universal directory
  • API access management
  • B2B integration
  • Passwordless authentication
  • Adaptive MFA

What people use each for

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

Melio

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

Okta

  • Employee SSOnot Melio
  • Customer identitynot Melio
  • B2B integrationnot Melio
  • Zero Trust securitynot Melio
  • Compliancenot Melio

Where each one falls short

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

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

Okta

  • Requires $1,500 annual minimum contract
  • Admin-only MFA can be vulnerable to push notification fatigue attacks
  • Implementation requires significant services and integration fees in year one

Pricing, plan by plan

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

Okta

Free
  • Starter Suite$6/user/month
    • SSO
    • MFA
    • Universal Directory
  • Core Essentials Suite$14/user/month
    • Adaptive MFA
    • Privileged Access
    • Lifecycle Management
  • Essentials Suite$17/user/month
    • Same as Core Essentials
    • Most popular
  • Professional Suite$undefined/custom
    • Device Access
    • Identity Security Posture
    • Threat Protection

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 Okta if

  • You need single sign-on (sso).
  • You want to start without paying.
  • You work on Web, SaaS.
  • You also want multi-factor authentication.
Okta review

Questions people ask

Is Melio or Okta better?
Neither clearly leads. Melio starts at Free and Okta at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Okta?
Melio starts at Free and Okta at Free.
Does Melio or Okta run on more platforms?
Melio runs on Web, Mobile app. Okta runs on Web, SaaS.
Can I use Melio for free?
Both have a free tier, so you can try either at no cost before committing.
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 Okta is typically brought in for.
What can Melio do that Okta cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Okta covers Single sign-on (SSO), Multi-factor authentication, Lifecycle management, Universal directory.

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
Okta: What is the minimum contract for Okta Workforce Identity?

Okta requires a $1,500 annual minimum contract for Workforce Identity plans. Pricing starts at $6 per user per month (Starter) and ranges to $17 per user per month (Essentials), billed annually.

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
Okta: Does Okta offer a free trial?

Yes, Okta provides a 30-day free trial so customers can explore all product capabilities before committing to a paid plan.

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
Okta: How many pre-built integrations does Okta support?

Okta offers over 7,000 pre-built integrations with popular enterprise applications including Salesforce, Slack, Workday, Box, Confluence, and Zendesk.

Source
Okta: What security features does Okta provide for admins?

Okta provides multi-factor authentication, adaptive MFA, single logout, and identity threat detection and response. However, only 94% of Okta customers have MFA enabled for administrators.

Source
Okta: Can Okta integrate with on-premises directories?

Yes, Okta's Universal Directory and lifecycle management support cloud and on-premises identity sources, including Active Directory and LDAP.

Source
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