Is Melio or Skrill better?

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

Which is cheaper, Melio or Skrill?

Melio starts at Free and Skrill at Free.

Does Melio or Skrill run on more platforms?

Melio runs on Web, Mobile app. Skrill runs on Web, IOS, Android.

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 Skrill is typically brought in for.

What can Melio do that Skrill cannot?

Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Skrill covers Money transfers, Digital wallet, Currency conversion, Prepaid card. Both handle Web support, Android support.

Accounting · head to head

Melio vs Skrill

Melio

Accounting

Simple business payments

From: Free
Rated: -

Full review Website

Skrill

Personal Finance

Fast and secure money transfer

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; Skrill a currency conversion fee of 4.49 percent applies to most conversions
They diverge on capability: Melio covers Vendor payments, Skrill covers Money transfers.
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Melio and Skrill actually diverge.

Attributes where Melio and Skrill differ
Attribute	Melio	Skrill
Pricing model	freemium	transaction
Platforms	Web, Mobile app	Web, IOS, Android
Category	Accounting	Personal Finance
Founded	2018	2001

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 Skrill

Money transfers
Digital wallet
Currency conversion
Prepaid card
Bank accounts
Credit cards
IOS support

Both cover

Web support
Android support

What people use each for

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

Melio

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

Skrill

Sending money internationally from a prepaid digital walletnot Melio
Funding and withdrawing from online merchants and gaming sitesnot Melio
Buying and selling cryptocurrency inside a wallet accountnot 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

Skrill

A currency conversion fee of 4.49 percent applies to most conversions
An inactivity fee of EUR 5.00 is deducted monthly after six months with no login or transaction
Card deposits carry a 2.50 percent fee
SWIFT bank withdrawals cost 2.80 percent with a minimum fee of EUR 3.5
Skrill to Skrill transfers cost 2.99 percent with a EUR 0.50 minimum on standard accounts, reduced to 1.45 percent only for True Skriller accounts
Crypto trading fees are tiered by VIP status, from 1.50 percent standard down to 1.30 percent at Gold and Diamond VIP

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

Skrill

Free

Free AccountFree
- Money transfers
- Digital wallet
Premier Account$undefined/month
- Higher limits
- Special rates

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 Skrill if

You need money transfers.
You want to start without paying.
You work on Web, IOS, Android.
You also want digital wallet.

Skrill review

Questions people ask

Is Melio or Skrill better?: Neither clearly leads. Melio starts at Free and Skrill at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Skrill?: Melio starts at Free and Skrill at Free.
Does Melio or Skrill run on more platforms?: Melio runs on Web, Mobile app. Skrill runs on Web, IOS, Android.
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 Skrill is typically brought in for.
What can Melio do that Skrill cannot?: Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Skrill covers Money transfers, Digital wallet, Currency conversion, Prepaid card. Both handle Web support, Android support.

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

Skrill: Is Skrill free to use?

Skrill operates on a freemium model. The digital wallet is free to open and use for basic features. The site refers to a fees page where transfer, conversion, and service fees are disclosed.

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

Skrill: What are Skrill's fees for transfers and conversions?

Skrill lists transfer, conversion, and service fees but does not display the specific amounts on the homepage. Detailed fee structures are available on Skrill's dedicated fees page at /en/siteinformation/fees/.

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

Skrill: What services does Skrill offer?

Skrill provides international money transfers, online payment processing, cryptocurrency buying and selling, loyalty rewards through the Knect points program, and a mobile app. These services are included in the free account.

Source

Skrill: Is Skrill regulated?

Yes. Skrill Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for issuing electronic money and payment instruments. It is also registered with the FCA as a cryptoasset firm.

Source

Melio vs Skrill

Melio

Skrill

The short version

Where they differ

What each one covers

Only in Melio

Only in Skrill

Both cover

What people use each for

Melio

Skrill

Where each one falls short

Melio

Skrill

Pricing, plan by plan

Melio

Skrill

Which should you pick?

Choose Melio if

Choose Skrill if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Melio

More on Skrill

Keep looking

Other head to heads