Softwr

Accounting · head to head

Melio vs RazorpayX

Melio logo

Melio

Accounting

Simple business payments

From
Free
Rated
-
Full reviewWebsite
RazorpayX logo

RazorpayX

Accounting

Indian all-in-one business banking suite for payouts, current accounts and payroll

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 card payments incur flat 2.9% fee on all plans; RazorpayX pricing is not shown as a single table; the vendor states subscription fees vary by product and usage type and directs buyers to check each product page individually rather than one price list

Where they differ

Only the attributes on which Melio and RazorpayX actually diverge.

Attributes where Melio and RazorpayX differ
AttributeMelioRazorpayX
Starting priceFreeOn request
Pricing modelfreemiumusage-based
Free tierYesNo
PlatformsWeb, Mobile appWeb
Founded2018Unknown

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

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 RazorpayX

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

RazorpayX

  • Auto-filing payroll taxes across 28 states with ESIC integrationnot Melio
  • Processing bulk vendor payments with integrated approval workflowsnot Melio
  • Issuing corporate cards for employee expense managementnot Melio
  • Disbursing loans in 10 seconds for lending platformsnot Melio
  • Reducing COD refund processing from days to under 2 hoursnot 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

RazorpayX

  • Pricing is not shown as a single table; the vendor states subscription fees vary by product and usage type and directs buyers to check each product page individually rather than one price list
  • Only basic features are free; usage-based subscription fees apply on top for the payouts, payroll and card products, without a headline figure on the main page

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

RazorpayX

On request

No published plan breakdown. See the RazorpayX 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 RazorpayX if

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

RazorpayX review

Questions people ask

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

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
RazorpayX: What is RazorpayX's pricing model?

RazorpayX operates on a freemium model where basic features are free but subscription-based fees apply depending on the specific product and usage type.

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
RazorpayX: How much does RazorpayX cost?

Specific RazorpayX pricing is not disclosed on the public website. Individual product pricing varies. Users must visit the main Pricing page or contact sales for rates.

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
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