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Pricing

Melio

4.1
/ 5
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Ratings
Discover Melio's B2B payment platform. Free ACH transfers, QuickBooks integration & 2.9% card fees. Streamline AP/AR for small businesses.
Melio Review 2025: Free B2B Payments & Bill Pay Platform for SMBs
Basic
$15/month
The essential toolkit for small teams and new startups.
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Growth
$30/month
Advanced automation and integrations for scaling businesses.
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Most popular
Enterprise
$79/month
Custom solutions for large teams and complex operations.
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01
Pricing

• Go Plan: $0/month - 5 free ACH transfers, 10 free accounting syncs, basic features

• Core Plan: $25/month - 20 free ACH transfers, unlimited sync, approval workflows

• Boost Plan: $55/month - 50 free ACH transfers, 2-day ACH, advanced workflows

• Unlimited Plan: $80/month - Unlimited ACH transfers, dedicated account manager

• Credit card payments: 2.9% fee + $0.30 per transaction

• Check mailing: $1.50 per check (first 2 free monthly)

• International payments: $20 flat fee

• 90% discount on first 3 months for premium plans

02
Key Strengths

• Free ACH transfers significantly reduce payment processing costs

• Intuitive interface with minimal learning curve and quick setup

• Strong QuickBooks Online and Xero integrations with 2-way sync

• Pay vendors by credit card even when they only accept checks

• Automated bill capture with AI-powered data extraction

• Mobile apps provide full payment management functionality

• Approval workflows and payment scheduling for better control

• No monthly fees on free plan - pay only transaction fees

• Batch payment processing for efficiency

• Custom payment links for accounts receivable

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03
Limitations

• Recent introduction of paid plans reduces previous free functionality

• No phone support - email and chat only during business hours

• Limited international payment capabilities with high fees ($20 flat)

• Smaller integration ecosystem compared to enterprise platforms

• Some users report payment delays and transaction cancellations

• Customer support quality inconsistent across different issues

• Limited advanced features for complex business workflows

• No detailed security certifications publicly available

• Occasional system glitches and interface issues reported

• Processing time for ACH transfers can be slower than competitors

04
Best for

• Small to medium-sized businesses needing basic B2B payment processing

• Companies using QuickBooks Online or Xero for accounting

• Businesses wanting to eliminate paper checks and manual processes

• Startups and growing companies looking for cost-effective payment solutions

• Service providers and contractors needing simple invoicing

• Organizations prioritizing ease of use over advanced features

• Businesses with straightforward vendor payment needs

• Companies wanting to pay vendors by credit card for cash flow benefits

• Teams needing mobile access to payment management

• Budget-conscious businesses wanting free ACH transfer capabilities

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Mark Thompson
Integration Director

Frequently asked questions

Can this handle all your required tasks?
Can
Melio
handle all my required tasks?
Melio handles core B2B payment tasks including vendor payments, invoice processing, and basic AP/AR automation. However, it lacks advanced features like complex approval workflows, international payments, and comprehensive expense management that larger organizations may need.
What's the real cost including hidden fees?
Transparent pricing with free ACH transfers and 2.9% + $0.30 credit card fees. Additional costs include check mailing ($1.50 each after first 2 free monthly) and international payments ($20 flat fee). Recent paid plans range from $25-80/month.
Can you and your team learn it quickly?
Yes, Melio is consistently praised for its simplicity and intuitive interface. Most users can start processing payments within minutes of setup. Comprehensive help resources and responsive chat support help with quick adoption.
Is your business information protected?
Basic security measures including data encryption and PCI compliance for payment processing. However, no specific mention of SOC 2, ISO, or detailed GDPR compliance certifications that enterprise customers might require.
Can it handle more users as you grow?
Yes, Melio supports unlimited users on paid plans with role-based permissions and approval workflows. However, feature limitations and pricing increases may push larger organizations toward more comprehensive platforms.
Will they be around long-term?
Positive indicators include venture funding, growing customer base, and continuous product development since 2018. However, recent pricing changes and reported service issues may impact market position long-term.
Is it good value compared to alternatives?
Good value for basic B2B payments with free ACH transfers and competitive card fees. However, Bill.com and other alternatives may offer more features for similar pricing. Value depends on specific business needs and feature requirements.
Are all essential features included?
Core payment processing features included in free plan, but advanced features like unlimited ACH transfers, approval workflows, and priority support require paid plans ($25-80/month).
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