Softwr

Accounting & Finance · head to head

Melio vs Productive

Melio logo

Melio

Accounting & Finance

Simple business payments

From
Free
Rated
-
Full reviewWebsite
Productive logo

Productive

Professional Services

Run projects, budgets and resources in one place

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; Productive essential plan is capped at 5 account-level custom fields and 1 CRM pipeline versus 15 fields and 3 pipelines on Professional

Where they differ

Only the attributes on which Melio and Productive actually diverge.

Attributes where Melio and Productive differ
AttributeMelioProductive
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Mobile appWeb
CategoryAccounting & FinanceProfessional Services
Founded2018Unknown

Identical on both: 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 Productive

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 Productive
  • Bill management and payment schedulingnot Productive
  • Multi-vendor payment processingnot Productive
  • Invoice receivables and payment collectionnot Productive

Productive

No use cases recorded yet. See the Productive 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)

Productive

  • Essential plan is capped at 5 account-level custom fields and 1 CRM pipeline versus 15 fields and 3 pipelines on Professional
  • Ultimate tier for complex organizations is quote-only, listed as Let's talk with no published price

Pricing, plan by plan

Melio

Free

No published plan breakdown. See the Melio review.

Productive

On request

No published plan breakdown. See the Productive 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 Productive if

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

Productive review

Questions people ask

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

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