Melio Pricing Calculator 2026
Estimate your total cost including hidden fees
The Melio calculator estimates the cost of your selected plan. Change the team size where pricing is per person, choose an available billing period, and add reported extras that apply to your contract.
Enter your requirements below to see the recurring cost and first-year total. Unverified extras are excluded.
- Plans: 5 tiers; Free–$80/per month
- Annual option: Core: 19% below twelve monthly payments
- Credit Card Processing Fee: 2.9% of payment volume
- Excess ACH Transaction Fee: $0.50 per transaction
- Instant/Fast Payment Fee: 1-1.5% per expedited payment
Reported extras may depend on your usage and contract. Confirm the final quote with Melio.
Melio pricing ranges from $0 to $80 per per month as of September 2026. Melio offers 5 pricing tiers. Reported extras are shown below. Only costs with a clear amount and billing basis can be added to the estimate. Pricing verified from 7 sources by CostBench.
Flat plan fee shown. Separately billed usage and add-ons are excluded.
Your Estimate
Cost Breakdown
Includes one-time costs (implementation, training)
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Real-World Melio Cost Examples
Solo Operator (5 payments/month)
$1,392$1,392/year
Solo business owner on the free Go plan making 5 ACH payments and 2 credit card payments monthly averaging $2,000 each
Calculated from pricing pageSmall Team on Core (30 payments/month)
$5,850$5,850/year
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
Calculated from pricing pageGrowing Business on Unlimited (100 payments/month)
$1,668$1,668/year
Mid-size business on the Unlimited plan processing 100 payments monthly, all via ACH with occasional instant payments
Calculated from pricing pageSolo Business Owner (Go Plan)
$0$0/month base + 2.9% on credit card transactions (5 free ACH/month included)
Individual business owner processing 5 ACH payments monthly and occasional credit card payments
Current tier data + user reviewsGrowing Business (Boost Plan)
$55$55/month ($528/year with annual billing) + 2.9% on credit card transactions
Growing business with higher payment volume and advanced features needed
Current tier dataEnterprise (Platinum Plan)
$Custom pricing — contact Melio salesCustom pricing — contact Melio sales
Large organization needing custom integrations, dedicated support, and advanced approval workflows
Current tier dataCompare at This Team Size
Frequently Asked Questions
01 How accurate is this Melio pricing calculator?
This calculator uses official Melio pricing data verified as of 2026-07-03. Hidden cost estimates are based on 8 verified cost categories from real user reports. Actual costs may vary based on negotiated discounts, specific feature requirements, and implementation complexity.
02 What hidden costs should I include in my Melio budget?
Our calculator includes 0 verified hidden cost categories for Melio: . Toggle each to see how they affect your total cost.
03 Should I choose monthly or annual billing for Melio?
Compare the published annual total with twelve monthly payments when both are available. An annual commitment may reduce flexibility; confirm cancellation terms and whether the quoted plan fits your needs.
04 How do I know which Melio tier I need?
Start with your must-have features. Melio offers 5 tiers ranging from $0 to $80/per month. Entry tiers work for basic needs, while enterprise tiers add advanced security, customization, and support.
05 Can I negotiate Melio pricing below calculator estimates?
Negotiated pricing depends on the vendor, plan and contract. We do not assume a discount in this estimate. See our negotiation guide for tactics.