How much does Melio cost?

Melio publishes 5 tiers, from Free for Go up to On request for Platinum. The entry tier costs nothing.

What is the difference between Go and Core on Melio?

Core costs $25/month against Free, and adds 20 free ach payments per month, $20/month with annual billing, quickbooks online and xero sync, $10/month per additional user.

Is the Platinum plan on Melio worth it?

That depends entirely on whether you need what it adds, which on the published record is invite-only for $300k+ monthly card payment volume, custom transaction fees, api access, white-glove support. It costs On request against $25/month for Core. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.

Which accounting tools can I use without paying?

1 of the 8 accounting tools listed alongside Melio have a free tier: Mesh Payments.

What am I actually paying for with Melio?

The record lists 13 features across 4 areas: other, integrations, security, platform. In practice it is brought in for accounts payable automation, bill management and payment scheduling, multi-vendor payment processing.

Does Melio charge per user?

The record carries a price and a billing period for each of its 5 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.

Are these Melio prices current?

They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.

What should I compare Melio against before paying?

The closest accounting tools in this directory are Rydoo, Happay, Moss, Mesh Payments. Each has a side-by-side comparison with Melio covering price, platforms and features.

Accounting · pricing

Melio pricing

Melio publishes 5 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.

As of 30 August 2026, Melio pricing is free, then $25/month across 5 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.

Entry price: Free, then $25/month
Model: Freemium
Tiers: 5
Free tier: Yes

Melio plans, side by side

Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.

Melio pricing tiers
Plan	Price	Features listed	Step up from the tier below
Go	Free	4	Entry tier
Core	$25/month	4	+$25/month, 4 more features
Boost	$55/month	5	+$30/month, 4 more features
Unlimited	$80/month	4	+$25/month, 4 more features
Platinum	On request	4	Priced on request

What each tier adds

The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.

Go

Free

The entry tier. It covers 5 free ach payments per month, pay by card, wire, or check, basic invoicing, payment links.

Core

$25/month

Over Go, this tier adds:

20 free ACH payments per month
$20/month with annual billing
QuickBooks Online and Xero sync
$10/month per additional user

Boost

$55/month

Over Core, this tier adds:

50 free ACH payments per month
$44/month with annual billing
QuickBooks Desktop sync
Premium phone support

Unlimited

$80/month

Over Boost, this tier adds:

Unlimited free ACH payments
$64/month with annual billing
NetSuite sync
Unlimited users

Platinum

On request

Over Unlimited, this tier adds:

Invite-only for $300K+ monthly card payment volume
Custom transaction fees
API access
White-glove support

Where Melio stops being free

Go, Free

5 free ACH payments per month
Pay by card, wire, or check
Basic invoicing
Payment links

Core, $25/month

The first thing you pay for:

20 free ACH payments per month
$20/month with annual billing
QuickBooks Online and Xero sync
$10/month per additional user

What the product covers

The full Melio feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.

Other

Vendor payments
Card to check
Payment scheduling
Approval workflows
QuickBooks sync

Integrations

QuickBooks
Xero
FreshBooks

Security

SOC 2
Bank-level encryption

Platform

Web support
Ios support
Android support

People bring Melio in for accounts payable automation, bill management and payment scheduling, multi-vendor payment processing, invoice receivables and payment collection. If that is not the job you are buying for, the alternatives to Melio are worth a look before you commit to a tier.

How that compares in Accounting

Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month. Melio starts at $25/month, which puts it above the middle of its category.

Melio entry price against other Accounting tools
Tool	Entry price	Model	Rated	Head to head
Melio (this page)	Free, then $25/month	freemium	-
Rydoo	$10/month	Per user per month	-	vs Melio
Happay	On request	quote	-	vs Melio
Moss	On request	quote	-	vs Melio
Mesh Payments	Free, then $13/month	Per user per month	-	vs Melio
Medius Expense	On request	quote	-	vs Melio
Ottimate	On request	quote	-	vs Melio

Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Melio badges page.

Before you pay for Melio

Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.

What it can tell you is the shape of the ladder: 5 tiers between Free and On request, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.

Melio runs on web, mobile app, and is published by Melio Payments Inc of New York, NY. The full record is on the Melio review, and the rest of the category is under best accounting tools.

Melio pricing on the vendor's own site

Melio pricing questions

How much does Melio cost?: Melio publishes 5 tiers, from Free for Go up to On request for Platinum. The entry tier costs nothing.
Does Melio have a free plan?: Yes. The Go tier costs nothing and covers 5 free ach payments per month, pay by card, wire, or check, basic invoicing. Paying starts at $25/month for Core.
What is the difference between Go and Core on Melio?: Core costs $25/month against Free, and adds 20 free ach payments per month, $20/month with annual billing, quickbooks online and xero sync, $10/month per additional user.
Is the Platinum plan on Melio worth it?: That depends entirely on whether you need what it adds, which on the published record is invite-only for $300k+ monthly card payment volume, custom transaction fees, api access, white-glove support. It costs On request against $25/month for Core. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
Is Melio expensive for a accounting tool?: It starts above the middle of its category. Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month; Melio starts at $25/month.
Which accounting tools can I use without paying?: 1 of the 8 accounting tools listed alongside Melio have a free tier: Mesh Payments.
What am I actually paying for with Melio?: The record lists 13 features across 4 areas: other, integrations, security, platform. In practice it is brought in for accounts payable automation, bill management and payment scheduling, multi-vendor payment processing.
Does Melio charge per user?: The record carries a price and a billing period for each of its 5 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
Are these Melio prices current?: They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
What should I compare Melio against before paying?: The closest accounting tools in this directory are Rydoo, Happay, Moss, Mesh Payments. Each has a side-by-side comparison with Melio covering price, platforms and features.