Softwr

Accounting · head to head

Melio vs Netvisor

Melio logo

Melio

Accounting

Simple business payments

From
Free
Rated
-
Full reviewWebsite
Netvisor logo

Netvisor

Accounting

Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Melio card payments incur flat 2.9% fee on all plans; Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • They diverge on capability: Melio covers Vendor payments, Netvisor covers Finnish general ledger.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Melio and Netvisor actually diverge.

Attributes where Melio and Netvisor differ
AttributeMelioNetvisor
Pricing modelfreemiumsubscription
PlatformsWeb, Mobile appWeb
Founded2018Unknown

Identical on both: starting price (Free), 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 Netvisor

  • Finnish general ledger
  • Value added tax reporting
  • Bank connections
  • Electronic invoicing
  • Purchase invoice workflow
  • Sales invoicing
  • Payroll
  • Incomes register reporting

What people use each for

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

Melio

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

Netvisor

  • A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Melio
  • A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Melio
  • A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Melio
  • A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot 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

Netvisor

  • Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
  • The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
  • Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
  • Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.

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

Netvisor

Free
  • Starter$25/month
    • Basic accounting, 1000 transactions, invoicing, payroll for 1 person
  • Basic$25/month
    • Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
  • Core$25/month
    • All Basic features, invoices included in monthly cost
  • Professional$25/month
    • All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

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 Netvisor if

  • You need finnish general ledger.
  • You want to start without paying.
  • You also want value added tax reporting.
Netvisor review

Questions people ask

Is Melio or Netvisor better?
Neither clearly leads. Melio starts at Free and Netvisor at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or Netvisor?
Melio starts at Free and Netvisor at Free.
Does Melio or Netvisor run on more platforms?
Melio runs on Web, Mobile app. Netvisor 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 Netvisor is typically brought in for.
What can Melio do that Netvisor cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.

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
Netvisor: Is Netvisor usable outside Finland?

Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.

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
Netvisor: Why is the pricing structured per transaction?

It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.

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
Netvisor: Can my accounting firm work in it with me?

Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.

Netvisor: Does it handle payroll for collective agreements?

It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.

Netvisor: What about the incomes register?

Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.

Netvisor: Is it a full ERP?

It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.

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