Melio special offers

Verified: Oct 10, 2026

Starting at

Go: free (5 ACH/mo, then $0.50 each). Core $25/mo ($20 billed annually), 20 free ACH. Boost $55/mo ($44 annually), 50 free ACH. Unlimited $80/mo ($64 annually), unlimited ACH and users. Platinum: custom. Card payments: 2.9%. Extra users on Core and Boost: $10/mo ($8 annually). Global ACH in USD: $20 flat; Fast USD 1% ($30 min, $95 max).

Free Go plan (5 ACH payments a month, 1 user); paid plans free for the first 90 days

Get Offer

Finance Specs

What We Like

Pay vendors by card even if they only accept ACH or check
Free Go plan for low-volume bill pay
QuickBooks Online and Xero sync, with QuickBooks Desktop and NetSuite on higher plans
International payments, including Global ACH in USD

Considerations

Card payments cost the same percentage on every plan, with no discount at higher tiers
ACH payments beyond the free allowance cost extra; only Unlimited includes unlimited ACH
Extra users cost extra on Core and Boost
Moving to Go after the free period deletes premium-feature data

Expert Verdict

Choose Melio if you want to pay vendors by card or ACH and sync it all with QuickBooks or Xero; the free Go plan covers low volume. Card payments only pay off when your card rewards or float are worth more than the fee.

Top Alternative

Bill.com →

BILL offers more advanced AP/AR automation, priced per user rather than per company.

More Alternatives

QuickBooks Online →

Wave →

Melio is a bill payment platform for small businesses. It lets you pay vendors, contractors and suppliers by bank transfer (ACH) or card, whether or not the vendor accepts that method: when you pay by card, Melio charges your card and sends the vendor an ACH transfer or a check.

There are five plans. Go is free, with a monthly ACH allowance, one user and limited QuickBooks or Xero syncs. Core, Boost and Unlimited add more free ACH payments, users and integrations, from unlimited QuickBooks Online and Xero sync to QuickBooks Desktop and NetSuite, and Platinum is custom with API access. Card payments and extra ACH payments carry fees. Current prices are in the pricing box above.

Ready to try Melio?

Visit Official Site → ↑ Back to Top

Frequently Asked Questions

How much does Melio cost?

Melio's Go plan is free, with 5 ACH payments a month ($0.50 each after that). Core is $25/month ($20 billed annually) with 20 free ACH payments, Boost $55/month ($44) with 50, and Unlimited $80/month ($64) with unlimited ACH and users. Card payments cost 2.9% on every plan. Paid plans are free for the first 90 days.

How does Melio compare to Bill.com?

BILL is priced per user and charges for each ACH payment, with more advanced AP/AR automation. Melio has a free plan and includes free ACH payments in every plan, so it suits small businesses focused on payment flexibility.

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

Yes. Melio charges your card and pays the vendor by ACH or check, so the vendor doesn't have to accept cards. That lets you earn card rewards on bills that wouldn't normally take a card. The card fee is in the pricing box above.

What happened with Xero buying Melio?

Xero announced plans to acquire Melio. Melio's free Go plan now includes a free Xero subscription for a limited time, and every plan syncs with Xero.

Advertiser Disclosure: Pricing checked Oct 10, 2026 on melio.com. Prices change often, so check the official site before you buy.

Still haven't tried Melio?

Go to Official Website → ↑ Scroll to Top