Jirav 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.
Controller Essentials
- Auto-Generated Intelligent Budget
- 2 Plans
- 1 Year Forecast Duration
- Company level or up to 50 Departments
CFO Enterprise
- Advanced with Drivers, Staffing and Custom Bottoms Up Models
- 5 Active Scenarios
- 7 Years Forecast Duration
- Company Level or up to 50 Departments
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
- 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
- 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
- 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
- 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
- Custom transaction fees
- Preferred card fees
- Priority payment processing
- Faster settlement times
- White-glove account management
- Discounted exchange rates
- Custom integrations & API access
Jirav vs Melio FAQ
- Which one is cheaper?
- Melio is the cheaper option, starting at $25/mo vs $50/mo for Jirav.
- Can I use either one for free?
- Melio has a free plan. Jirav doesn't — you'll need to pay from day one.
- How do they charge?
- Different approach here. Jirav uses flat-rate 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. Jirav: This sits in the middle of the FP&A tooling stack — pricier than a spreadsheet-replacement tool but cheaper than enterprise CPM platforms like Adaptive Insights or Planful. They're clearly hunting accounting firms that want to upsell advisory services without building FP&A infrastructure themselves. Melio: Melio is positioned as the SMB-friendly alternative to heavier AP platforms like Bill.com — cheaper entry point, simpler UX, and a free plan that actually works. They're not chasing enterprise, but the Platinum tier signals they want a piece of high-volume mid-market before those accounts graduate to something like Tipalti.
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