Bill.com vs Melio Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Bill.com pricing | Melio pricing | |
|---|---|---|
| Starts at | $49/mo | $25/mo |
| Number of plans | 4 | 5 |
| Free plan | — | |
| Free trial | — | |
| Pricing model | per-seat | hybrid |
Price is one row. To weigh the features too, use our feature comparison template →
Essentials
Team
Corporate
PopularEnterprise
- Automatic 2-way sync with QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, & more
- Sync purchasing orders and automatic 2 and 3-way matching
- Single Sign-On
- Dual control
- Multi-entity, multi-location accounting capabilities
- API access
- Priority support
Go
- 5 free ACH/month
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
- Pay any bill by card
- AI bill capture
- Dedicated bills inbox
- Pay internationally
- Expense management
- 6-month free Xero subscription
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
Core
- 20 free ACH/month
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
- Pay any bill by card
- AI bill capture
- Dedicated bills inbox
- Pay internationally
- Expense management
- 6-month free Xero subscription
- QuickBooks Online sync
- Xero sync
- Batch payments
- Custom approval workflows
- W-9 collection
- 1099 automation
- AI assistant
- Priority chat support
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Boost
- 50 free ACH/month
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
- Pay any bill by card
- AI bill capture
- Dedicated bills inbox
- Pay internationally
- Expense management
- 6-month free Xero subscription
- QuickBooks Online sync
- Xero sync
- Batch payments
- Custom approval workflows
- W-9 collection
- 1099 automation
- AI assistant
- Priority chat support
- Advanced user roles
- Apply vendor credits
- QuickBooks Desktop sync
- Premium phone support
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Unlimited
Popular- Unlimited free ACH
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
- Pay any bill by card
- AI bill capture
- Dedicated bills inbox
- Pay internationally
- Expense management
- 6-month free Xero subscription
- QuickBooks Online sync
- Xero sync
- Batch payments
- Custom approval workflows
- W-9 collection
- 1099 automation
- AI assistant
- Priority chat support
- Advanced user roles
- Apply vendor credits
- QuickBooks Desktop sync
- Premium phone support
- Unlimited user seats
- NetSuite sync
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Platinum
- Exclusive for Platinum users:
- Custom transaction fees
- Preferred card fees
- Priority payment processing
- Faster settlement times
- White-glove account management
- Discounted exchange rates
- Custom integrations & API access
Bill.com vs Melio FAQ
- Which one is cheaper?
- Melio is the cheaper option, starting at $25/mo vs $49/mo for Bill.com.
- Can I use either one for free?
- Melio has a free plan. Bill.com doesn't — you'll need to pay from day one.
- How do they charge?
- Different approach here. Bill.com uses per-seat pricing, while Melio goes with hybrid. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Bill.com: This sits mid-to-premium for AP automation — pricier than bare bookkeeping add-ons but cheaper than full ERP-adjacent finance suites. They're clearly going after SMBs and mid-market finance teams that have outgrown manual invoicing but aren't ready for NetSuite-level infrastructure, betting that the lack of a free trial won't scare off buyers who already know they need dedicated AP software. Melio: Free-to-$80 puts Melio well below dedicated AP automation platforms like Bill.com or Tipalti, which is the whole pitch — they're going after price-sensitive SMBs who'd otherwise cobble together bank bill pay and spreadsheets, not enterprises comparing AP suites feature-for-feature.
Still deciding? See the best Bill.com alternatives or the best Melio alternatives, ranked with verified pricing.
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