Melio Free Plan 2026: What's Included & What's Not
Honest breakdown of the free tier limits and features
Melio costs Free to $80 per per month as of April 2026. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: No free tier available
Yes, Melio offers a forever free plan as of April 2026. The free tier includes 10 features with limits on usage. Paid plans start at $25/per month (Core). Pricing verified from 7 sources by CostBench.
Melio's free plan is available indefinitely with no time limit.
What's Included in the Free Plan
- 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
What's NOT Included (Paid Only)
- 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
You'll Need to Upgrade When...
- You exceed the user limit
- You need features like All Go features or 20 free ACH transfers/month ($0.50 each after)
- You require premium support or SLA guarantees
- You need to remove branding or watermarks
- You need advanced integrations or API access
Hidden Restrictions on Free Plan
- Reverts to Go plan limits after 30 days
- No credit card required for trial
Free vs Paid: Which Do You Need?
Free Plan is Enough If...
- You're an individual or very small team
- You need only basic features
- You don't mind usage limits
- Branding on output is acceptable
- Community support is sufficient
You Need Paid If...
- Your team is growing beyond limits
- You need advanced features
- Professional branding is required
- You need priority support
- Integrations/API access is critical
Free vs Core Plan Comparison
| Go $0 | Core $25/per month | |
|---|---|---|
| Features | 10 included | 12+ included |
| Support | Community/Email | Priority Support |
| Branding | Melio branding | Your branding |
| Best For | Individuals | Growing teams |
Frequently Asked Questions
01 Is Melio free?
Yes, Melio offers a forever free plan with 10 core features included. However, there are limits on users and features that may require upgrading.
02 What's included in Melio's free plan?
Melio's free plan includes: 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, and 5 more features. Key limits include basic usage caps.
03 What's NOT included in Melio's free plan?
The free plan excludes: All Go features, 20 free ACH transfers/month ($0.50 each after), $10/month per additional user ($8 billed annually), Batch payments, Approval workflows. You'll also have Melio branding and limited support options.
04 When should I upgrade from Melio's free plan?
Consider upgrading when: you hit user or storage limits, need features like All Go features or 20 free ACH transfers/month ($0.50 each after), require premium support, or want to remove branding. The cheapest paid plan starts at $25/per month.
05 Is Melio's free plan really free forever?
Yes, Melio's free plan is available indefinitely with no time limit. However, feature and usage limits may restrict what you can do without upgrading to a paid plan.