Ramp
Plus
$15.00 × 10 seats$150.00
× 12 months$1,800.00
Per year
$15.00 per person / mo
$1,800
Plus a base fee
Ramp vs Melio
Compare with for .
Ramp
61%
match · $1,800/yr
Melio
80%
match · $300/yr
What matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Melio
Entry plan
Flat price, whole team$25.00
× 12 months$300.00
Per year
$2.50 per person / mo
$300
Ramp
From $15Free plan
G2 4.8 · 2,546 reviewsUS companies from startups to mid-market that want full AP automation with transparent payment fees and no per-invoice software charges.
vs
Melio
From $25Free plan
G2 4.5 · 245 reviewsVery small businesses and lean finance teams that mostly pay domestic bills and want the lowest software cost.
Side by side
| Ramp | Melio | |
|---|---|---|
| Pricing | Free plan; Plus $15/user/month + platform fee | Free plan; paid from $25/month |
| G2 Rating | 4.8 (2,546 reviews) | 4.5 (245 reviews) |
| Best For | US companies from startups to mid-market that want full AP automation with transparent payment fees and no per-invoice software charges. | Very small businesses and lean finance teams that mostly pay domestic bills and want the lowest software cost. |
Pros and cons
Ramp
Pros
- OCR, approvals, all payment methods and QuickBooks Online or Xero sync on a $0 plan
- Low published payment fees, mostly waived when paying from Ramp Checking
- Three-way PO matching and payment release approvals on Plus, and $0.65 1099 filing on every plan
- Cards, expenses, procurement and AP in one platform
Cons
- Plus platform fee is not published, so you need a quote
- Three-way match, auto-coding and batch payments require Plus
- Best value assumes you also use Ramp's card or checking account
Melio
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