Is Melio or sevdesk better?

Neither clearly leads. Melio starts at Free and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Melio or sevdesk?

Melio starts at Free and sevdesk at Free.

Does Melio or sevdesk run on more platforms?

Melio runs on Web, Mobile app. sevdesk runs on Web.

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 sevdesk is typically brought in for.

What can Melio do that sevdesk cannot?

Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows.

Accounting · head to head

Melio vs sevdesk

Melio

Accounting

Simple business payments

From: Free
Rated: -

Full review Website

sevdesk

Accounting

German accounting and invoicing software for small businesses and freelancers

From: Free
Rated: -

Full review Website

The short version

Each has a real cost: Melio card payments incur flat 2.9% fee on all plans; sevdesk the free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Melio and sevdesk actually diverge.

Attributes where Melio and sevdesk differ
Attribute	Melio	sevdesk
Platforms	Web, Mobile app	Web
Founded	2018	Unknown

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), 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 sevdesk

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

sevdesk

Scanning receipts via mobile app and matching to transactionsnot Melio
Creating VAT advance returns and filing with tax authoritiesnot Melio
Generating XRechnung format invoices mandatory for B2B by 2025not Melio
Recording bank transactions automatically across 4000+ supported banksnot Melio
Managing unlimited invoices with automatic sales tax calculationsnot 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

sevdesk

The free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
API access and cost center tracking are reserved for the top Buchhaltung Pro tier at EUR 13.95 to EUR 34.90/month depending on commitment length, not included in the mid-tier Buchhaltung plan

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

sevdesk

Free

FreeFree
- Permanently free with no credit card required
- Up to 3 invoices/e-invoices monthly
- Unlimited contact creation
Rechnung (Invoice Plan)$11.9/month
- Regular: €11.90/month, discounted to €4.45/month on 24-month term
- Unlimited invoices, offers, e-invoices, and payment reminders
Buchhaltung (Accounting Plan)$25.9/month
- Recommended plan
- Regular: €25.90/month, discounted to €9.95/month on 24-month term
- Bookkeeping features, AI-powered receipt capture, tax filing
Buchhaltung Pro (Accounting Pro)$34.9/month
- Regular: €34.90/month, discounted to €13.95/month on 24-month term
- Cost center analysis, REST-API access, business financial analysis (BWA)

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 sevdesk if

You want to start without paying.

sevdesk review

Questions people ask

Is Melio or sevdesk better?: Neither clearly leads. Melio starts at Free and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or sevdesk?: Melio starts at Free and sevdesk at Free.
Does Melio or sevdesk run on more platforms?: Melio runs on Web, Mobile app. sevdesk runs on Web.
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 sevdesk is typically brought in for.
What can Melio do that sevdesk 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

sevdesk: How much does sevdesk cost?

sevdesk offers a free plan and three paid tiers. Invoice Plan starts at €11.90/month (€4.45/month on 24-month), Accounting Plan at €25.90/month (€9.95/month on 24-month), and Accounting Pro at €34.90/month (€13.95/month on 24-month).

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

sevdesk: What is included in sevdesk's free plan?

The free plan allows creation of up to 3 invoices/e-invoices monthly, unlimited contact creation, and access to support materials. No credit card is required.

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

sevdesk: What add-ons are available for sevdesk?

sevdesk offers optional add-ons priced €3.90-€19.90/month including premium layouts, additional users, inventory management, and time tracking. Premium services such as setup consultations start at €24.90.

Source

sevdesk: Does sevdesk offer a promotional discount?

Yes, sevdesk advertises up to 50% discount through a time-limited Black Cyber Deal offering 60% off all plans. Additionally, all paid plans include 24-month term options with significant savings (up to 62% discount).

Source

Melio vs sevdesk

Melio

sevdesk

The short version

Where they differ

What each one covers

Only in Melio

Only in sevdesk

What people use each for

Melio

sevdesk

Where each one falls short

Melio

sevdesk

Pricing, plan by plan

Melio

sevdesk

Which should you pick?

Choose Melio if

Choose sevdesk if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Melio

More on sevdesk

Keep looking

Other head to heads