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Melio

Melio is a B2B bill payment platform — free Go plan with 5 ACH/month, paid plans $25–$80/month — allowing businesses to pay vendors by credit card even when vendors only accept checks or ACH.
Verified: May 4, 2026 Pricing verified May 2026 from Melio website. Xero acquisition announced June 2025.
Starting at
Go: free (5 ACH/mo free, then $0.50 each, unlimited 2.9% card). Core $25/mo ($20 annual). Boost $55/mo ($44 annual). Unlimited $80/mo ($64 annual). Platinum: invite-only, $300K+/mo card volume. Credit card payments: 2.9% on all plans. Annual billing saves 20%.
Go plan free forever + 30-day trial of paid features for new accounts
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Finance Specs

What We Like
  • Pay any vendor by credit card even if they only accept ACH or check — converts on vendor side, earns card rewards for payer
  • Free Go plan with no monthly fee covers 5 ACH payments — genuinely useful for low-volume small businesses with no cost
  • QuickBooks and Xero two-way sync reduces manual reconciliation — bills, payments, and vendors auto-populate
  • Pay vendors internationally in 16 currencies from same dashboard as domestic payments
Considerations
  • Credit card fee is 2.9% on all transactions at all tiers — no discount even at higher plan levels
  • ACH payments beyond the free monthly allowance cost $0.50 each — adds up for businesses with many small vendor payments
  • Payroll transactions not supported — Melio is B2B only, not for paying employees
  • Xero acquisition introduces potential product direction changes post-integration
Expert Verdict
Melio's core value proposition is clear: pay any business expense by credit card, earn rewards, and sync everything with your accounting software. For businesses with large fixed expenses that don't normally accept cards — rent, insurance, suppliers — routing payments through Melio at 2.9% can generate net positive returns when earning welcome bonuses or high reward rates. The free Go plan is genuinely useful for low-volume businesses. The Xero acquisition warrants monitoring for pricing or product changes post-integration.

Melio is a B2B payments platform founded in 2018 in New York, enabling small businesses to pay vendors, contractors, and suppliers by bank transfer (ACH) or credit card, regardless of whether the vendor accepts that payment method. Melio converts credit card payments into ACH transfers or paper checks on the vendor’s side, allowing businesses to pay by card and earn rewards on expenses that would normally not accept cards. In June 2025, Xero announced the acquisition of Melio for $2.5 billion, targeting completion within 6 months. As of March 2026, pricing remains unchanged.

Melio operates on five subscription tiers. The Go plan is permanently free with no monthly fee, covering 5 free ACH payments per month, unlimited 2.9% credit card payments, basic invoice creation, a payment link, and up to 10 QuickBooks/Xero syncs. Beyond the 5 free ACH, additional transfers cost $0.50 each on the Go plan. Core at $25/month (or $20/month annual) adds 20 free ACH payments per month, unlimited QuickBooks/Xero sync, approval workflows, batch payments, and automation. Boost at $55/month ($44 annual) includes unlimited ACH payments, advanced approval workflows, and multi-user access with roles. Unlimited at $80/month ($64 annual) covers unlimited ACH and unlimited users — the optimal tier for high-volume accounts payable teams. Platinum (invite-only) for businesses processing $300K+/month in card payments offers custom transaction pricing, card-to-wire transfers, API access, and discounted fees.

Transaction fees apply independently of subscription: credit/debit card payments incur 2.9% regardless of plan tier. International transfers carry additional FX conversion fees with competitive exchange rates. Expedited ACH payments (same-day or next-day) carry an additional fee on top of the standard ACH rate.

The go-to use case beyond basic vendor payments: businesses paying rent, utilities, insurance, or other fixed expenses that don’t accept credit cards can route those through Melio with a 2.9% fee and earn credit card rewards — often earning 1.5–5% cash back or points. For expenses with high welcome bonuses, the 2.9% fee frequently generates net positive returns.

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Frequently Asked Questions

How much does Melio cost?

Melio's Go plan is free with no monthly fee, covering 5 ACH payments/month (additional ones cost $0.50 each). Paid plans: Core $25/month ($20 annual), Boost $55/month ($44 annual), Unlimited $80/month ($64 annual). All plans charge 2.9% for credit or debit card payments regardless of plan tier. Annual billing saves 20%.

Can I pay vendors by credit card through Melio even if they don't accept cards?

Yes. Melio charges your credit card the payment amount plus 2.9%, then sends the vendor a standard ACH bank transfer or paper check — whichever the vendor accepts. The vendor receives a normal business payment and doesn't need to sign up for Melio. This lets you earn credit card rewards on expenses that wouldn't normally accept cards.

Is Melio only for B2B payments?

Yes. Melio processes only business-to-business transactions. Both the payer and recipient must be businesses — sole proprietors, LLCs, or corporations. Personal expenses, payroll, payments to individual contractors through non-business accounts, and payments from personal cards are not supported. Melio specifically excludes payroll.

What happened with Xero buying Melio?

Xero announced its acquisition of Melio for approximately $2.5 billion in June 2025. As of May 2026, Melio continues to operate independently with unchanged pricing. The acquisition is expected to deepen integration between Melio's AP workflow and Xero's accounting platform.

How does Melio compare to BILL?

Melio is simpler and more affordable — free plan available, paid plans from $25/month, with straightforward AP and AR tools. BILL offers more advanced accounts payable automation, OCR invoice processing, and stronger enterprise features, starting at $45/user/month. Melio is the better choice for small businesses focused on payment flexibility; BILL is stronger for mid-market companies needing full AP/AR automation.

Advertiser Disclosure: Pricing verified May 2026 from Melio website. Xero acquisition announced June 2025.. We may receive compensation for clicks or purchases on this site.

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