Melio: Pricing, Features & Alternatives
Melio exists because paying suppliers is still annoying: it lets you pay by bank transfer at no cost while the vendor receives a cheque or a deposit, and lets you put a bill on a credit card even when the vendor does not accept cards, for a 2.9% fee. That float is the real product. The free Go tier covers five ACH payments a month; Core at $25 adds approval workflows and accounting sync.
Category
Accounting & Finance
Pricing
Free tier available
Free tier
Yes
Best for
Accounting & Finance — accounts-payable, payments
Melio Pricing Plans (2026)
| Plan | Price |
|---|---|
| Go | $0 |
| CorePopular | $25 / month |
| Boost | $55 / month |
| Unlimited | $80 / month |
| Platinum | Custom |
Pricing summary: Free · paid from $25/mo. Always confirm current pricing on the official site.
Key Melio Features
- 20 free ACH payments
- QuickBooks and Xero sync
- Approval workflows
- +$10 per extra user
Pros
- +Bank transfers are free
- +Put any bill on a card for float
- +Real free tier
- +Syncs with QuickBooks and Xero
Cons
- −Card payments cost 2.9%
- −US-focused
- −Per-user fees on mid tiers
Best Melio Alternatives
Compare all
Melio Compared
Melio FAQ
What is Melio used for?⌄
Melio is a accounting & finance tool. Accounts payable for small businesses: pay vendors by bank transfer free, or by card for a fee, with QuickBooks and Xero sync.
Is Melio free?⌄
Yes — Melio has a free tier you can start with, and paid plans for more usage and features.
How much does Melio cost?⌄
Melio offers a free tier, with paid plans starting at $25/month. Some plans are usage-based (pay-as-you-go).
What are the best Melio alternatives?⌄
Popular Melio alternatives include BILL, Zoho Books, Wave, QuickBooks, Xero. Compare pricing and features on our Melio alternatives page.
Not sure if Melio fits your stack?
Get a free, AI-powered tech stack tailored to your budget, app type, and team size — including the best accounting & finance pick for you.
Build my stack free