Melio vs Bill.com Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
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
- 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
- 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
Essentials
- Manually integrate with accounting software via CSV file import/export
- Easily enter bills
- Automate approval workflows
- Pay by ACH, virtual card, credit card, and more
- Manage bills from a centralized inbox
- Automatic W-9 collection and verification with the W-9 Agent
- Securely connect with +4M vendors via the BILL network
- Set standard approval policies
- Access 6 standard user roles
- Manually integrate with accounting software via CSV file import/export
- Create professional, custom invoices
- Send invoices flexibly
- Track invoices flexibly
- Automate payment reminders
- Get paid by ACH and credit card
- Set auto-charge and auto-pay
Team
- Automatic 2-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier, and Xero
- Easily enter bills
- Automate approval workflows
- Pay by ACH, virtual card, credit card, and more
- Manage bills from a centralized inbox
- Automatic W-9 collection and verification with the W-9 Agent
- Automatic AI multi-line bill coding with the Invoice Coding Agent
- Securely connect with +4M vendors via the BILL network
- Access custom user roles
- Automatic 2-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier, and Xero
- Create professional, custom invoices
- Send invoices flexibly
- Track invoices flexibly
- Set up automated payment reminders
- Get paid by ACH and credit card
- Set auto-charge and auto-pay
Corporate
Popular- Automatic 2-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier, and Xero
- Manage bills from a centralized inbox
- Easily enter bills
- Automatic W-9 collection and verification with the W-9 Agent
- Automatic AI multi-line bill coding with the Invoice Coding Agent
- Connect with +4M vendors via the BILL network
- Access unlimited document storage
- Pay by ACH, virtual card, credit card, and more
- Set custom approval policies
- Set custom user roles
- Get discounts for approver-only users
- Automatic 2-way sync with QuickBooks Online, QuickBooks Pro, QuickBooks Premier, and Xero
- Create professional, custom invoices
- Send single or recurring invoices
- Track payment status with ease
- Set up automated payment reminders
- Get paid by ACH and credit card
- Set auto-charge and auto-pay
- Easily create purchase requests
- Create and send purchase orders
- Set tolerance rules
- 2-way matching
- Add unlimited Purchase Requesters for free
Enterprise
- 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
Melio vs Bill.com FAQ
- Which one is cheaper?
- Melio starts lower at $25/mo, compared to $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. Melio uses hybrid pricing, while Bill.com goes with per-seat. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Melio: Melio sits mid-market compared to pure free tools like Wave, but undercuts heavier AP platforms like Bill.com on the subscription price while making up margin on transaction fees. They're chasing small businesses that want an accessible entry point but will tolerate fees once they're locked into the workflow. Bill.com: Bill.com sits in the mid-market sweet spot — not as cheap as entry-level tools like Melio, not as expensive as full ERP-adjacent platforms like Tipalti or Coupa. They're clearly targeting finance teams at growth-stage and mid-market companies who've outgrown basic bookkeeping but aren't ready to justify enterprise spend management suites.
Still deciding? See the best Melio alternatives or the best Bill.com alternatives, ranked with verified pricing.
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