Melio

About Melio

Two facts about Melio matter before any feature comparison, and most of the listicles ranking for this category state neither. The first is ownership: Xero completed its acquisition of Melio on 15 October 2025 for US$2.5 billion, so this is no longer an independent vendor, and buyers weighing a multi-year commitment should factor in that its roadmap now runs through an accounting platform that competes with QuickBooks. The second is that Melio's pricing changed shape — it is no longer the free-unlimited-ACH tool it was known as. There is still a free forever plan, Go, but it caps free ACH at five payments a month; Core at $25, Boost at $55 and Unlimited at $80 monthly raise that to 20, 50 and unlimited, and additional ACH beyond the allowance costs $0.50 each. Checks are $1.50, wires $10, and card payments carry the familiar 2.9%. That card line is the actual reason many small businesses use it: you can pay a supplier who only accepts a bank transfer or a paper check by putting the bill on a credit card, keeping the float and the card points while the vendor is paid how they wanted. Add two-way sync with QuickBooks Online, QuickBooks Desktop, Xero and NetSuite, invoicing on the AR side, and pay-over-time financing across up to twelve installments, and the fit is clear: a small business or the accounting firm running its books, not a controller with an SAP instance.

Pricing

Model

Freemium

Starting price

$0/mo

Notes

Drafted 2026-08-28 from the vendor pricing page (meliopayments.com now 301-redirects to melio.com). Five tiers: Go at '$0 /free forever' with 5 free ACH per month; Core at $25/mo monthly or $20/mo annual with 20 free ACH; Boost at $55/mo monthly or $44/mo annual with 50 free ACH; Unlimited at $80/mo monthly or $64/mo annual with unlimited free ACH and unlimited users; Platinum at custom pricing. Transaction fees published on the same page: ACH $0.50 (beyond the plan allowance), check $1.50, fast check $20, wire $10, card 2.9%, international ACH in USD a $20 flat fee, international card in USD 2.9% + $20; fast/overnight delivery adds further fees. Seats are limited on Go and Core, with extra users at $10/mo (or $8/mo per additional user on annual Core). The important comparison note: the free tier is real but the ACH allowance, not the monthly fee, is what determines cost — a business paying 60 bills a month is on Boost or paying per transaction regardless of which tier it picked. VERIFICATION PASS 2026-08-28: tier prices and ACH allowances re-checked against independent pricing trackers and agree with the vendor page on all four published tiers ($0/$25/$55/$80 monthly, $20/$44/$64 annual; 5/20/50/unlimited free ACH) and on the flat 2.9% card fee across tiers. One extra fee those trackers surface that the vendor pricing page did not: instant transfer charged at 1% capped at $75. Recorded as third-party-reported and not confirmed on the vendor page.

Key Features

• Free forever 'Go' tier including five free ACH payments per month, bill capture and core invoicing
• Pay any supplier by credit card even when that supplier only accepts a bank transfer or paper check, preserving float and card rewards for a 2.9% fee
• Published per-transaction pricing across ACH, check, fast check, wire, card and international payments rather than quote-only pricing
• Two-way sync with QuickBooks Online, QuickBooks Desktop, Xero and NetSuite
• Accounts receivable side: create, track and sync invoices with custom payment links for accepting online payment
• Pay-over-time financing spreading a bill across up to 12 monthly installments
• International payments, with ACH in USD charged as a flat fee and card in USD charged as a percentage plus flat fee
• Dedicated client-management tooling for accounting and bookkeeping firms paying bills on behalf of multiple businesses
• Embedded/white-label bill pay syndicated to partner platforms, a distribution channel the vendor names alongside Fiserv, Capital One and Shopify

Platforms

• Web
• iOS
• Android

Alternatives to Melio

• Stampli
• Tipalti
• Peakflo