---
title: "Melio Pricing, Features & Alternatives (2026)"
description: "Melio review: Accounting & Finance tool — Free tier, plans, pros & cons, and the best Melio alternatives compared for startups in 2026."
source: https://appstackbuilder.com/tools/melio
retrieved: 2026-09-11
---

M

[Accounting & Finance](https://appstackbuilder.com/categories/finance)Free tier

# 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

[Visit Melio official site](https://www.melio.com/)

## Melio Pricing Plans (2026)

| Plan        | Price       | Highlights                                                              |
| ----------- | ----------- | ----------------------------------------------------------------------- |
| Go          | $0          | 5 free ACH payments / month · Pay by card · Invoicing and payment links |
| CorePopular | $25 / month | 20 free ACH payments · QuickBooks and Xero sync · Approval workflows    |
| Boost       | $55 / month | 50 free ACH payments · QuickBooks Desktop sync · Premium phone support  |
| Unlimited   | $80 / month | Unlimited free ACH · NetSuite sync · Unlimited seats                    |
| Platinum    | Custom      | Custom transaction fees · White-glove support                           |

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 ](https://appstackbuilder.com/tool-alternatives/melio)

[BBILLFrom $49/mo](https://appstackbuilder.com/tools/bill-com)[![Zoho Books logo](https://appstackbuilder.com/logos/zoho-books.ico)Zoho BooksFree · paid from $20/mo](https://appstackbuilder.com/tools/zoho-books)[![Wave logo](https://appstackbuilder.com/logos/wave.png)WaveFree · paid from $19/mo](https://appstackbuilder.com/tools/wave)[![QuickBooks logo](https://appstackbuilder.com/logos/quickbooks.png)QuickBooksFrom $30/mo](https://appstackbuilder.com/tools/quickbooks)[![Xero logo](https://appstackbuilder.com/logos/xero.svg)XeroFrom $25/mo](https://appstackbuilder.com/tools/xero)[![FreshBooks logo](https://appstackbuilder.com/logos/freshbooks.svg)FreshBooksFrom $10/mo](https://appstackbuilder.com/tools/freshbooks)

## Melio Compared

[Melio vs BILL](https://appstackbuilder.com/compare/bill-com-vs-melio)[Melio vs QuickBooks](https://appstackbuilder.com/compare/melio-vs-quickbooks)[Melio vs Zoho Books](https://appstackbuilder.com/compare/melio-vs-zoho-books)[Melio vs Wave](https://appstackbuilder.com/compare/melio-vs-wave)[Melio vs Xero](https://appstackbuilder.com/compare/melio-vs-xero)[Melio vs FreshBooks](https://appstackbuilder.com/compare/freshbooks-vs-melio)

## 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?

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