Melio is ranked #3 of 97 in accounts payable software on The Geeks Club. It runs on Android, iOS, Web. There is a free plan. A free trial is offered. Paid plans start at $2,520/mo.

Melio plans and pricing

All plans

Go Free Limited to one user 5 free ACH/month · $0.50 per ACH after free monthly payments · pay by ACH, wire, check, or card · AI bill capture · international payments · free AR & invoicing melio.com · 28 Sept 2026

Core $2,520/mo $0 /first 90 days; then $25/mo; plus $10/mo per additional user · annual price $20/mo plus $8/mo per additional user 20 free ACH/month · QuickBooks Online and Xero sync · batch payments · custom approval workflows · W-9 collection · 1099 automation · priority chat support melio.com · 28 Sept 2026

Boost $5,544/mo $0 /first 90 days; then $55/mo; plus $10/mo per additional user · annual price $44/mo plus $8/mo per additional user 50 free ACH/month · advanced user roles · QuickBooks Desktop sync · premium phone support · vendor credits · advanced approvals melio.com · 28 Sept 2026

Unlimited $8,064/mo $0 /first 90 days; then $80/mo · unlimited users · annual price $64/mo · billed annually Unlimited free ACH · unlimited user seats · NetSuite sync · premium phone support · advanced user roles · vendor credits melio.com · 28 Sept 2026

Platinum Not published Custom transaction fees · Priority payment processing · White-glove account management · Custom integrations and API access melio.com · 20 Sept 2026

Platinum Not published Custom pricing Custom transaction fees · preferred card fees · priority payment processing · faster settlement times · white-glove account management · custom integrations and API access · eligible high-volume businesses melio.com · 28 Sept 2026

Compared on accounts payable software

Free plan: Yes
Paid from: $25/mo
Invoice capture: ai
Approval workflows: Yes
Accounting integrations: 2 integrations
Payment execution: Yes
Multi-entity support: Yes

Best Melio alternatives

See all 12

Ramp AP 0 of 4 in the starter kit Lesson 18.9 Nanonets Accounts Payable Automation 0 of 4 in the starter kit Lesson 28.8 Flowie 0 of 4 in the starter kit Lesson 48.6 BILL Accounts Payable 0 of 4 in the starter kit Lesson 58.5 OpenEnvoy 0 of 4 in the starter kit Lesson 68.4 Relay Bill Pay 0 of 4 in the starter kit Lesson 78.3

The record

AP automation

Automates accounts payable workflows from bill capture through accounting synchronization.

Free offer

The special offer provides access to everything for the first 90 days at no cost.

Time saved

Melio says businesses save over 15 hours of manual work each month on average.

Payment methods

Supports card, ACH, instant transfers, paper checks, and other payment methods.

International payments

Pays vendors globally in USD or local currencies; payments can arrive the same day.

Bill capture

Captures bills through automated OCR scanning or email to a dedicated address.

Team permissions

Team members can have specific roles and permissions, including viewers, approvers, and admins.

Accounting sync

Payments sync automatically with QuickBooks, Xero, or NetSuite.

Mobile app

The mobile app supports reviewing, approving, paying, and managing payables and receivables.

AI assistant

Agent Mel answers questions about bills, vendors, and payments.

Vendor account

Vendors can be paid without creating an account.

Batch payments

Supports one-time, recurring, and batch payments.

W-9 and 1099

Lets users request, collect, review, and edit contractor and vendor W-9s, with Tax1099 e-filing sync.

Payment volume

More than $100 billion in payments have run through Melio.

Price from

$2,520/mo