Accounting · head to head
Melio vs Recurly

Recurly
Accounting
The subscription management platform built for growth
- From
- $249/month
- Rated
- -
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; Recurly starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
- They diverge on capability: Melio covers Vendor payments, Recurly covers Subscription billing.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Melio and Recurly actually diverge.
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 Recurly
- Subscription billing
- Revenue recovery
- Payment gateway optimization
- Analytics
- API
- Stripe
- PayPal
- Braintree
Both cover
- SOC 2
- Web support
What people use each for
The jobs each tool is most often brought in to do.
Melio
- Accounts payable automationnot Recurly
- Bill management and payment schedulingnot Recurly
- Multi-vendor payment processingnot Recurly
- Invoice receivables and payment collectionnot Recurly
Recurly
- Subscription billing and recurring invoicingnot Melio
- Dunning and failed payment recoverynot Melio
- Trials, plan changes and promotionsnot Melio
- Revenue recognition through the RevRec add-onnot Melio
- Shopify-native subscriptions with subscribe and savenot 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
Recurly
- Starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
- All-Access is quoted at under 1 percent of billing volume with a $1M minimum, putting it out of reach of smaller merchants
- Only one dunning campaign on Starter; multiple campaigns need All-Access
- SSO, multicurrency and payments orchestration are All-Access only
- Revenue recognition and the Engage churn tooling are separate add-ons at $850 and $1,600 a month
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
Recurly
$249/month- Starter$249/month
- Automated global subscription billing
- Flexible plans and static churn-prevention tools
- 1 dunning campaign
- All-Access$null/month
- Everything in Starter plus AI-powered agents and analytics
- Intelligent churn-prevention with multiple dunning campaigns
- Advanced pricing and promotions
- All-Access for Shopify$null/month
- Intelligent churn-prevention and customized bundles
- Subscribe and save, prepaid/gift subscriptions
- Hybrid subscription support and cancel-save flows
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.
Choose Recurly if
- You need subscription billing.
- You work on Web, Api.
- You also want revenue recovery.
Questions people ask
- Is Melio or Recurly better?
- Neither clearly leads. Melio starts at Free and Recurly at $249/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Melio or Recurly?
- Melio has a free tier; the other does not. Paid plans start at Free for Melio and $249/month for Recurly.
- Does Melio or Recurly run on more platforms?
- Melio runs on Web, Mobile app. Recurly runs on Web, Api.
- Can I use Melio for free?
- Yes. Melio has a free tier, so you can try it without paying. Recurly starts at $249/month.
- 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 Recurly is typically brought in for.
- What can Melio do that Recurly cannot?
- Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. Recurly covers Subscription billing, Revenue recovery, Payment gateway optimization, Analytics. Both handle SOC 2, Web 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.
SourceRecurly: What does Recurly's Starter plan cost?
Recurly Starter plan costs 249 USD monthly plus 0.9 percent of billing volume, with the first 40000 USD monthly volume included in the base fee.
SourceMelio: 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%.
SourceRecurly: What is the minimum commitment for Recurly's All-Access plan?
All-Access plans require a minimum 1 million USD annual commitment, billed annually at less than 1 percent of billing volume.
SourceMelio: 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.
SourceRelated pages
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