Softwr

Accounting · head to head

Melio vs MYOB

Melio logo

Melio

Accounting

Simple business payments

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 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; 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 30 August 2026.

Where they differ

Only the attributes on which Melio and MYOB actually diverge.

Attributes where Melio and MYOB differ
AttributeMelioMYOB
Starting priceFree12/year
Pricing modelfreemiumsubscription
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 MYOB

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

MYOB

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

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

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

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 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 MYOB if

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

MYOB review

Questions people ask

Is Melio or MYOB better?
Neither clearly leads. Melio 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, Melio or MYOB?
Melio has a free tier; the other does not. Paid plans start at Free for Melio and 12/year for MYOB.
Does Melio or MYOB run on more platforms?
Melio runs on Web, Mobile app. MYOB runs on Web.
Can I use Melio for free?
Yes. Melio has a free tier, so you can try it without paying. MYOB starts at 12/year.
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 MYOB is typically brought in for.
What can Melio do that MYOB 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
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
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
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
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
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
Share

Related pages

More on Melio

More on MYOB

Keep looking

Other head to heads