Accounting & Finance
Melio
From $25Free planG2 4.5 · 245 reviews
Very small businesses and lean finance teams that mostly pay domestic bills and want the lowest software cost.
Quick overview
- Pricing
- Free plan; paid from $25/month
- Plans
- US pricing as of October 2026: Go $0 (1 user, 5 free ACH payments/month, up to 10 QuickBooks/Xero syncs, AI bill capture, pay by ACH, wire, check or card). Core $25/month or $20/month billed annually (20 free ACH/month, unlimited QuickBooks Online and Xero sync, approval workflows, W-9 collection, 1099 automation via Tax1099; extra users $10/month or $8 annually). Boost $55/month or $44 annually (50 free ACH/month, adds QuickBooks Desktop sync, advanced user roles, premium phone support; extra users $10/month or $8 annually). Unlimited $80/month or $64 annually (unlimited free ACH, unlimited users, NetSuite sync). Platinum custom. Paid features free for the first 90 days. Fees from a bank account: ACH $0.50 after free allowance, check $1.50, fast check $20, overnight check $50, instant transfer 1% ($75 max), same-day ACH 1% ($75 max), wire $10, same-day wire 1% ($10 min, $75 max). Card payments 2.9% plus delivery surcharges. Global ACH: $20 flat (USD), 1% ($30 min, $95 max) fast USD, conversion rates for local currency. Global card: 2.9% + $20 (USD), 2.9% + $30 (fast USD).
- G2 rating
- 4.5 / 5.0
- Comparisons
- Featured in 1 comparison
Key features
- AI bill capture and a dedicated bills inbox on every plan, including free
- Approval workflows on Core, with advanced routing by vendor, amount or user on Boost and above
- Pay by ACH, check, wire or card, including card payments to vendors that do not accept cards
- International payments in USD or local currency
- W-9 collection, Tax1099 sync for 1099 e-filing, and QuickBooks, Xero and NetSuite sync by plan
Pros
- Real free plan and low-cost paid plans with free ACH payments
- Pay vendors by card even when they do not take cards
- Unlimited plan includes unlimited users for $80/month
- QuickBooks Online, Desktop, Xero and NetSuite sync by plan
Cons
- No purchase order matching
- Free plan caps accounting sync at 10 syncs and has no approvals
- Fast payment and card fees add up quickly
Emily Rodriguez