Meliovs
QuickBooks
QuickBooks: Smart, simple online accounting software for small business
Melio
Simple business payments
As of 30 August 2026, Melio has a free plan and paid plans start at $25/month. Melio is a free B2B payments platform that lets businesses pay vendors by bank transfer or card while vendors receive their preferred payment method. Softwr lists it under Accounting. Melio is made by Melio Payments Inc, launched in 2018, available on Web, iOS, Android.
Overview
What Melio does
Melio is a free B2B payments platform that lets businesses pay vendors by bank transfer or card while vendors receive their preferred payment method.
What people use it for
- Accounts payable automation
- Bill management and payment scheduling
- Multi-vendor payment processing
- Invoice receivables and payment collection
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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
Cross-shopped
What people choose instead of Melio
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
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Wise Business: The smart way to send and receive business payments
Pricing
What Melio costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Go
Free
- 5 free ACH payments per month
- Pay by card, wire, or check
- Basic invoicing
- Payment links
Core
$25 /mo
- 20 free ACH payments per month
- $20/month with annual billing
- QuickBooks Online and Xero sync
- $10/month per additional user
Boost
$55 /mo
- 50 free ACH payments per month
- $44/month with annual billing
- QuickBooks Desktop sync
- Premium phone support
- $10/month per additional user
Unlimited
$80 /mo
- Unlimited free ACH payments
- $64/month with annual billing
- NetSuite sync
- Unlimited users
Platinum
On request
- Invite-only for $300K+ monthly card payment volume
- Custom transaction fees
- API access
- White-glove support
Capabilities
Features
Vendor payments
Card to check
Payment scheduling
Approval workflows
QuickBooks sync
QuickBooks
Integration with QuickBooks
Xero
Integration with Xero
FreshBooks
Integration with FreshBooks
SOC 2
SOC 2 security feature
Bank-level encryption
Bank-level encryption security feature
Web support
Available on web
Ios support
Available on ios
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
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.
SourceDoes 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%.
SourceCan 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.
SourceBehind it
Who makes Melio
- Company
- Melio Payments Inc
- Based in
- New York, NY
Keep looking
Where to go from Melio
- Melio alternativesEvery product people weigh against it
- Melio pricingPlans, floors and what the tiers exclude
- Melio badgesWhich rules it meets, and the figure behind each
- All Accounting softwareThe full category
- Best Accounting softwareThe shortlist, and how it was cut
Best Accounting software for
Compare Melio with
- Veem
- Wise Business
- Paddle
- Payoneer
- Adyen
- Tipalti
- Stampli
- Divvy
- Airwallex
- Ramp
- Airbase
- Plaid
- Sage 50
- Stigg
- Tropic
- Vena Solutions
- ADP
- Avalara
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Pricing on request13 researched notes
Softwr does not host reviews and shows no star rating for Melio, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Melio
Melio alternatives
What people switch to, and what they give up
Melio pricing
Every tier, and where the cost actually lands
Compare Melio
Put it head to head with anything we hold
Melio badge
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