Melio vs Pleo 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
- 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
Starter
- Physical and virtual cards
- Accounts payable
- Real-time expense tracking
- Automated expense reports
- Accounting system integrations
- Chat support
- 1 vendor card
- Credit limit up to GBP 5,000*
Essential
- Reimbursements
- Mileage
- AI-powered spend guidelines
- Flexible card limits
- Up to 25 vendor cards
- Approval workflows
- Recurring vendor tracking
- Credit limit up to GBP 20,000*
Advanced
- Cashback*
- Advanced card controls
- Up to 100 vendor cards
- Budgets
- HRIS integrations
- Advanced approval workflows
- Credit limit up to GBP 250,000*
Business
- Multi-entity management
- Premium integrations**
- AI-powered expense review
- Advanced vendor management
- Cash management
- Spending insights
- Assisted onboarding
- Credit limit up to GBP 500,000*
Melio vs Pleo FAQ
- Which one is cheaper?
- Pleo is the cheaper option, starting at $9/mo vs $25/mo for Melio.
- Can I use either one for free?
- Melio has a free plan. Pleo doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. Melio uses hybrid pricing, while Pleo goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. 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. Pleo: Pleo sits in the mid-market of corporate spend management — not as cheap as basic expense tools, but undercutting enterprise players like Spendesk or Payhawk at the top end. They're clearly targeting European SMBs and scaling startups who've outgrown manual expense reports but aren't ready for a full procurement suite.
Still deciding? See the best Melio alternatives or the best Pleo alternatives, ranked with verified pricing.
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