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Accounting · head to head

Mesh Payments vs MYOB

Mesh Payments logo

Mesh Payments

Accounting

Virtual card and spend management platform aimed at SaaS and travel spend

From
Free
Rated
-
Full reviewWebsite
MYOB logo

MYOB

Accounting

Australian accounting and business management software for small and mid-sized businesses

From
12/year
Rated
-
Full reviewWebsite

The short version

  • Only Mesh Payments has a free tier, so it costs nothing to try first.
  • Each has a real cost: Mesh Payments cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.; MYOB every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mesh Payments and MYOB actually diverge.

Attributes where Mesh Payments and MYOB differ
AttributeMesh PaymentsMYOB
Starting priceFree12/year
Pricing modelPer user per monthsubscription
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb

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 Mesh Payments

  • Per vendor virtual cards
  • Physical and virtual employee cards
  • Subscription and renewal tracking
  • Receipt capture and matching
  • Approval workflows
  • Travel spend controls
  • Accounting sync
  • Cashback programme

Only in MYOB

Nothing recorded that Mesh Payments does not also cover.

What people use each for

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

Mesh Payments

  • A software company trying to stop shadow SaaS renewals by giving every vendor its own capped cardnot MYOB
  • A finance team that wants receipts matched at the point of spend rather than chased at month endnot MYOB
  • A business issuing single use cards for contractor and agency payments with hard limitsnot MYOB
  • A team funding trip specific spend with a card that expires when the trip endsnot MYOB

MYOB

  • Tracking income and unlimited expenses for tax lodgementnot Mesh Payments
  • Processing payroll with automated superannuation contributionsnot Mesh Payments
  • Managing GST compliance and Business Activity Statement filingnot Mesh Payments
  • Reconciling bank transactions and monitoring cash flownot Mesh Payments

Where each one falls short

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

Mesh Payments

  • Cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • Revenue depends on interchange, which means Mesh has a structural interest in card spend running through its rails and less incentive to support bank transfer or direct debit payment methods that many suppliers prefer.
  • Card issuing is limited to the entities and countries Mesh's issuing partners support, so groups with subsidiaries outside that footprint must run a second card programme and lose the single view they bought Mesh for.
  • The free Pro tier caps at three users, which is below the size at which spend control actually becomes a problem, so it functions as a trial rather than a usable plan.
  • It is a spend and card tool rather than an accounts payable system, so invoice heavy businesses still need a separate AP platform and end up reconciling two sources of supplier spend.

MYOB

  • Every published price is promotional and reverts to a higher regular rate after an introductory period, for example Business Pro rises from AUD 21/month to AUD 70/month after 6 months
  • Adding payroll employees beyond the included allowance costs an extra AUD 3/month per additional employee on top of the plan price

Pricing, plan by plan

Mesh Payments

Free
  • ProFree
    • Up to 3 users
    • Virtual and physical cards
    • Receipt capture
  • Premium$13/month
    • Unlimited users
    • Approval workflows
    • Subscription management
  • Enterprise$undefined/month
    • Multi entity support
    • SSO and advanced controls
    • Custom approval hierarchies

MYOB

12/year
  • Solo by MYOB$99/year
    • First year $12 (70% off)
  • Business Lite$315/year
    • First year $94.50 (70% off)
    • Payroll $3/month per employee max 2
  • Business Pro$70/month
    • First 6 months $21 (70% off)
    • Unlimited payroll employees
    • 14-day free trial
  • Business AccountRight Plus$165/month
    • First 3 months $66 (60% off)
    • Unlimited payroll
    • 14-day free trial

Which should you pick?

Choose Mesh Payments if

  • You need per vendor virtual cards.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want physical and virtual employee cards.
Mesh Payments review

Choose MYOB if

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

MYOB review

Questions people ask

Is Mesh Payments or MYOB better?
Neither clearly leads. Mesh Payments starts at Free and MYOB at 12/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mesh Payments or MYOB?
Mesh Payments has a free tier; the other does not. Paid plans start at Free for Mesh Payments and 12/year for MYOB.
Does Mesh Payments or MYOB run on more platforms?
Mesh Payments runs on Web, iOS, Android. MYOB runs on Web.
Can I use Mesh Payments for free?
Yes. Mesh Payments has a free tier, so you can try it without paying. MYOB starts at 12/year.
What is Mesh Payments best used for?
Mesh Payments is most often used for a software company trying to stop shadow saas renewals by giving every vendor its own capped card, a finance team that wants receipts matched at the point of spend rather than chased at month end, a business issuing single use cards for contractor and agency payments with hard limits, a team funding trip specific spend with a card that expires when the trip ends. Of those, a software company trying to stop shadow saas renewals by giving every vendor its own capped card and a finance team that wants receipts matched at the point of spend rather than chased at month end are not what MYOB is typically brought in for.
What can Mesh Payments do that MYOB cannot?
Mesh Payments covers Per vendor virtual cards, Physical and virtual employee cards, Subscription and renewal tracking, Receipt capture and matching.

Answered from the vendors’ own pages

Mesh Payments: Is the free plan really free?

Yes for up to three users, with cards and receipt capture included. Beyond three users you move to the paid tier.

MYOB: How much does MYOB cost?

MYOB pricing starts at $12 AUD per year (first year only) for Solo, with plans ranging to $165 AUD per month for AccountRight Plus after introductory periods expire.

Source
Mesh Payments: How does Mesh make money on a thirteen dollar plan?

Interchange on card spend. The subscription is a minority of revenue, which is why the cashback programme has a monthly spend threshold attached.

MYOB: What is MYOB's introductory pricing?

MYOB offers 60-70% off introductory pricing for the first 3-12 months depending on plan selection, after which regular pricing applies with no lock-in contracts.

Source
Mesh Payments: Can Mesh replace our accounts payable process?

Not fully. It controls card spend well but invoice capture, supplier onboarding and payment runs are better served by a dedicated AP tool.

MYOB: Does MYOB include payroll pricing?

Payroll starts at $3/month per employee (limited on lower tiers) and is included unlimited on Business Pro and AccountRight Plus plans.

Source
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