Melio Pricing 2026
Complete pricing guide with plans, hidden costs, and cost analysis
Melio has a free plan. Paid plans start at $25/per month (Core) and go up to $80/per month.
Melio costs Free to $80 per per month as of April 2026, with 5 plans available including a free tier. Plans: Go (free), Core at $25/per month, Boost at $55/per month, and Unlimited at $80/per month. Enterprise pricing is available on request. The median contract is $360/year based on 9 verified purchases.
Try Melio FreeUse the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: Yes
Melio offers 5 pricing tiers: Go, Core, Boost, Unlimited, Platinum. A free plan is available. Paid plans include Core at $25/undefined, Boost at $55/undefined, Unlimited at $80/undefined.
Compared to other accounts payable software, Melio is positioned at the budget-friendly price point.
- Median contract: $360/yr from 9 purchases
- 8 documented hidden costs beyond list price
- Contracts auto-renew — Cancel anytime by emailing support@meliopayments.com
How much does Melio cost?
Melio Pricing Overview
Melio has 5 pricing plans, including a free tier. Paid plans range from $0 to $80/per month. The Go plan is free. The Core plan costs $25/per month. The Boost plan costs $55/per month. The Unlimited plan costs $80/per month. The Platinum plan requires contacting sales for a custom quote.
Melio contracts auto-renew, with a None (month-to-month available) minimum commitment, requiring Cancel anytime by emailing support@meliopayments.com notice to cancel.
The median Melio customer pays $360/year based on 9 verified purchases.
There are at least 8 documented hidden costs beyond Melio's list price, including implementation, training, and add-on fees.
This pricing was last verified in April 24, 2026 from 7 independent sources.
Melio is an accounts payable platform for small businesses that sends ACH bank transfers, credit card payments, and mailed checks to vendors, and syncs with QuickBooks, Xero, and other accounting tools to streamline bill pay.
Melio offers a free Go plan with 5 ACH transfers/month for 1 user. Paid plans are Core at $25/month ($240/year, or $25/month effective), Boost at $55/month ($528/year, or $55/month effective), and Unlimited at $80/month ($768/year, or $55/month effective) with unlimited users and ACH. A custom-priced Platinum plan covers enterprise needs. Credit card payments incur a 2.9% fee across all plans.
How Melio Pricing Compares
Compare Melio pricing against top alternatives in Accounts Payable.
All Melio Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Go | Free | Free | — |
| Core | $25 / | $240 /year | — |
| Boost | $55 / | $528 /year | — |
| Unlimited | $80 / | $768 /year | — |
| Platinum | Contact Sales | Contact Sales | — |
View all features by plan
Go
- 1 user included
- 5 free ACH transfers/month ($0.50 each after)
- Pay by ACH, wire, check, or card
- Fast and instant payments
- Auto-pay
- Bill capture
- International payments
- 10 free QuickBooks Online syncs
- 10 free Xero syncs
- Invoicing with payment links
Core
- All Go features
- 20 free ACH transfers/month ($0.50 each after)
- $10/month per additional user ($8 billed annually)
- Batch payments
- Approval workflows
- W-9 collection with TIN validation
- 1099 automation
- AI assistant
- Dedicated bills inbox
- Priority chat support
- Unlimited QuickBooks Online and Xero syncs
- Branded invoicing
Boost
- All Core features
- 50 free ACH transfers/month ($0.50 each after)
- $10/month per additional user ($8 billed annually)
- Advanced user roles
- Custom approval workflows (vendor/amount-based)
- Vendor credit application
- Classes and locations on bills
- QuickBooks Desktop sync
- Premium phone support
Unlimited
- All Boost features
- Unlimited free ACH transfers
- Unlimited user seats (no per-user fees)
- Dedicated account manager
- White-glove onboarding
Platinum
- All Unlimited features
- Custom transaction pricing
- Card-to-wire transfers
- API access
- Enterprise integrations
Compare Melio vs Alternatives
Before committing to Melio, compare pricing with these 3 alternatives in the same category.
What Companies Actually Pay for Melio
The median Melio buyer pays $360/year based on 9 verified purchase transactions.
Melio Year 1 Total Cost by Company Size
Real deployment costs including licenses, implementation, training, and admin — not just the sticker price.
Solo business owner on the free Go plan making 5 ACH payments and 2 credit card payments monthly averaging $2,000 each
Small business on the Core plan processing 30 payments monthly — 25 by ACH and 5 by credit card averaging $3,000 each, with 20 checks mailed
Mid-size business on the Unlimited plan processing 100 payments monthly, all via ACH with occasional instant payments
Individual business owner processing 5 ACH payments monthly and occasional credit card payments
Growing business with higher payment volume and advanced features needed
Large organization needing custom integrations, dedicated support, and advanced approval workflows
Calculated from pricing page
How Melio Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Melio | Free | $80/per month |
| AvidXchange | $440/per month | $1100/per month |
| BILL AP | $49/per user/month | $89/per user/month |
| Coupa Pay | $499/per month | $4800/per month |
| Stampli | Custom | Custom |
| Tipalti | $99/per month | $199/per month |
Detailed pricing comparisons:
Melio Contract Terms
Melio contracts auto-renew. Changes require Cancel anytime by emailing support@meliopayments.com. These terms are sourced from verified buyer experiences.
Can downgrade to Go (free) plan anytime
How to Negotiate Melio Pricing
Melio contracts are negotiable. These 5 tactics are sourced from real buyer experiences and procurement specialists.
Switch to annual billing to save roughly 20% on all paid plans. Core drops from $25 to an effective $20/month ($240/year), Boost from $55 to $44/month ($528/year), and Unlimited from $80 to $64/month ($768/year).
Melio pricing pageMelio offers 90% off all paid plans for the first three months for new users. Time your signup to maximize this introductory offer before committing to a specific tier.
Melio promotional offersThe free Go plan includes 5 ACH transfers/month and basic payment capabilities. If your monthly payment volume is low, the Go plan may be sufficient without paying for a subscription.
Melio pricing pageMelio offers 30 days of free access to all features for new users. Use this period to test premium features like batch payments, approval workflows, and unlimited syncs before committing to a paid plan.
Melio pricing pageIf you're on the Go plan making 15 ACH payments/month, the overage cost is only $5/month (10 extra × $0.50). Compare this to the $25/month Core plan before upgrading — the cheaper option depends on your actual payment volume.
Calculated from pricing pageMelio Pricing FAQ
01 How much does Melio cost per month?
Melio offers five plans: Go (free, 5 ACH payments/month), Core at $25/month ($240/year), Boost at $55/month ($528/year), Unlimited at $80/month ($768/year), and a custom-priced Platinum plan for enterprises. Annual billing saves 20% on all paid tiers, and credit card payments add a 2.9% fee across every plan.
02 Is Melio really free?
Melio's Go plan is free forever with 5 ACH transfers/month and 10 QuickBooks/Xero syncs. However, additional ACH payments cost $0.50 each, credit card payments incur a 2.9% fee, and instant transfers cost 1%. Many features like batch payments, approval workflows, and unlimited syncs require paid plans starting at $25/month.
03 Does Melio integrate with QuickBooks Desktop?
QuickBooks Desktop sync is only available on the Boost plan ($55/month) and above. The Go and Core plans only support QuickBooks Online and Xero integration.
04 Why would Melio freeze or cancel my account?
Multiple users on Trustpilot report sudden account freezes or cancellations without clear explanation. Common triggers appear to include rapid transaction growth or risk verification flags. Melio's terms allow them to suspend or terminate accounts at any time with or without notice.
05 What payment methods does Melio support?
Melio supports ACH transfers, physical checks (printed and mailed by Melio), credit card payments, debit card payments, wire transfers, and international payments. ACH is included in plan allotments, credit cards cost 2.9%, and instant deposits cost 1% (up to $75 max).
06 Does Melio charge fees for ACH payments?
The Go plan includes 5 free ACH payments per month. Paid plans (Core at $25/month, Boost at $55/month, and Unlimited at $80/month) offer additional ACH payment capacity. ACH processing itself costs approximately $0.000185 per transaction at the network level, making it one of the most cost-effective payment methods.
07 How long does it take for Melio to deliver mailed checks?
Check delivery times can be unpredictable. While Melio prints and mails checks on your behalf, some users report slow or inconsistent delivery times. It's recommended to schedule check payments well in advance of vendor deadlines.
08 Can I use Melio to pay vendors who don't accept credit cards?
Yes, that's one of Melio's key features. You can pay with your credit card, and Melio will send the payment to your vendor as a check or ACH transfer (appearing as a cash payment to the vendor). However, you'll pay the 2.9% credit card processing fee.
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