Melio vs Soldo 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
Standard
- Set user permissions and manage roles
- Spend via Apple and Google Pay
- Capture receipts using the mobile app
- Connect to your accounting software
- Access support during business hours
- Main Wallet
- User Wallet
- Company Wallet
- Reserved Wallet
- Currency Support
- Auto-transfer Presets
- Move Transaction
- Funding Source Selection
- Multi-Entity Account Setup
- Groups
- Hierarchical Groups
- Resource Sets
- Advance User Profiles
- User Permissions
- Out-of-office Delegation
- Advanced Card Rules
- Card Rules Presets
- Expense Policies
- Request Pre-Approved Spend
- Request Funds
- Business Trips
- Bank Transfer Access
- Single-User Employee Card
- Multi-User Company Card
- Temporary Virtual Card
- Fuel Card
- Subscriptions and Online Ads Card
- Instant Card Issuance
- Apple and Google Pay Support
- Bank Transfers (Pay Someone)
- Transaction Attachments and Notes Capture
- Receipt Matching and Verification vis OCR
- Expense Review Workflow Builder
- Out-of-pocket Transactions
- Mileage Reimbursement
- Vehicles Management
- Standard Reminders
- Advanced Reminders
- Bulk Reimbursements via Bank Transfers
- Overview Dashboard
- Bank Statement
- Transaction Reports
- CO2e Tracker
- Expense Reports
- Expense Report Archiving
- Reimbursement Reports
- Magic Table Data Export
- Legge di Bilancio Report Enhancements
- Lists
- Expense Categories
- VAT Rate
- Split Transactions
- Split Transactions (multi VAT)
- Autotags
- Fuel Invoice Reconciliation
- Fuel Transactions – MCC
- Automatic Export to Accounting Systems
- Xero Integration
- QuickBooks Integration
- Sage Intacct Integration
- Exact Online Integration
- DATEV Integration
- NetSuite Integration
- Microsoft Dynamics 365
- ZTravel (Zucchetti) Integration
- SAP Concur Integration
- Digital Archiving
- Payroll CSV
- TravelPerk Integration
- Amazon Business Integration
- Single-Sign-On (SSO)
- HRIS Integration (Standard)
- HRIS Integration (Advanced)
- HRIS Integration (Bespoke)
- Sandbox
- Mastercard® Smart Data
- Custom Integrations
- Custom Template Export
- Soldo Business API
- Soldo Knowledge Base
- Live Chat, Email Support and Training Webinars
- Custom Reporting
- Assigned Customer Success Managers
- Tailored Training and Onboarding
Plus
- Create wallets for team budgets
- Manage multi-currency spending
- Automate receipt capture with OCR
- Integrate with Amazon Business account
- Export data using templates
- Additional support for setup
- Main Wallet
- User Wallet
- Company Wallet
- Reserved Wallet
- Currency Support
- Auto-transfer Presets
- Move Transaction
- Funding Source Selection
- Multi-Entity Account Setup
- Groups
- Hierarchical Groups
- Resource Sets
- Advance User Profiles
- User Permissions
- Out-of-office Delegation
- Advanced Card Rules
- Card Rules Presets
- Expense Policies
- Request Pre-Approved Spend
- Request Funds
- Business Trips
- Bank Transfer Access
- Single-User Employee Card
- Multi-User Company Card
- Temporary Virtual Card
- Fuel Card
- Subscriptions and Online Ads Card
- Instant Card Issuance
- Apple and Google Pay Support
- Bank Transfers (Pay Someone)
- Transaction Attachments and Notes Capture
- Receipt Matching and Verification vis OCR
- Expense Review Workflow Builder
- Out-of-pocket Transactions
- Mileage Reimbursement
- Vehicles Management
- Standard Reminders
- Advanced Reminders
- Bulk Reimbursements via Bank Transfers
- Overview Dashboard
- Bank Statement
- Transaction Reports
- CO2e Tracker
- Expense Reports
- Expense Report Archiving
- Reimbursement Reports
- Magic Table Data Export
- Legge di Bilancio Report Enhancements
- Lists
- Expense Categories
- VAT Rate
- Split Transactions
- Split Transactions (multi VAT)
- Autotags
- Fuel Invoice Reconciliation
- Fuel Transactions – MCC
- Automatic Export to Accounting Systems
- Xero Integration
- QuickBooks Integration
- Sage Intacct Integration
- Exact Online Integration
- DATEV Integration
- NetSuite Integration
- Microsoft Dynamics 365
- ZTravel (Zucchetti) Integration
- SAP Concur Integration
- Digital Archiving
- Payroll CSV
- TravelPerk Integration
- Amazon Business Integration
- Single-Sign-On (SSO)
- HRIS Integration (Standard)
- HRIS Integration (Advanced)
- HRIS Integration (Bespoke)
- Sandbox
- Mastercard® Smart Data
- Custom Integrations
- Custom Template Export
- Soldo Business API
- Soldo Knowledge Base
- Live Chat, Email Support and Training Webinars
- Custom Reporting
- Assigned Customer Success Managers
- Tailored Training and Onboarding
Unlimited
- Set role-based access and controls at scale
- Delegate bank transfers to colleagues
- Automate expense categorisation
- Build custom expense approval workflows
- Integrate with SAP Concur
- Integrate with 100+ software systems
- Receive tailored integration setup support
- Access to our Customer Success team
- Access to our Professional Services team
- Main Wallet
- User Wallet
- Company Wallet
- Reserved Wallet
- Currency Support
- Auto-transfer Presets
- Move Transaction
- Funding Source Selection
- Multi-Entity Account Setup
- Groups
- Hierarchical Groups
- Resource Sets
- Advance User Profiles
- User Permissions
- Out-of-office Delegation
- Advanced Card Rules
- Card Rules Presets
- Expense Policies
- Request Pre-Approved Spend
- Request Funds
- Business Trips
- Bank Transfer Access
- Single-User Employee Card
- Multi-User Company Card
- Temporary Virtual Card
- Fuel Card
- Subscriptions and Online Ads Card
- Instant Card Issuance
- Apple and Google Pay Support
- Bank Transfers (Pay Someone)
- Transaction Attachments and Notes Capture
- Receipt Matching and Verification vis OCR
- Expense Review Workflow Builder
- Out-of-pocket Transactions
- Mileage Reimbursement
- Vehicles Management
- Standard Reminders
- Advanced Reminders
- Bulk Reimbursements via Bank Transfers
- Overview Dashboard
- Bank Statement
- Transaction Reports
- CO2e Tracker
- Expense Reports
- Expense Report Archiving
- Reimbursement Reports
- Magic Table Data Export
- Legge di Bilancio Report Enhancements
- Lists
- Expense Categories
- VAT Rate
- Split Transactions
- Split Transactions (multi VAT)
- Autotags
- Fuel Invoice Reconciliation
- Fuel Transactions – MCC
- Automatic Export to Accounting Systems
- Xero Integration
- QuickBooks Integration
- Sage Intacct Integration
- Exact Online Integration
- DATEV Integration
- NetSuite Integration
- Microsoft Dynamics 365
- ZTravel (Zucchetti) Integration
- SAP Concur Integration
- Digital Archiving
- Payroll CSV
- TravelPerk Integration
- Amazon Business Integration
- Single-Sign-On (SSO)
- HRIS Integration (Standard)
- HRIS Integration (Advanced)
- HRIS Integration (Bespoke)
- Sandbox
- Mastercard® Smart Data
- Custom Integrations
- Custom Template Export
- Soldo Business API
- Soldo Knowledge Base
- Live Chat, Email Support and Training Webinars
- Custom Reporting
- Assigned Customer Success Managers
- Tailored Training and Onboarding
Melio vs Soldo FAQ
- Which one is cheaper?
- Soldo is the cheaper option, starting at $21/mo vs $25/mo for Melio.
- Can I use either one for free?
- Melio has a free plan. Soldo doesn't — though they do offer a free trial.
- How do they charge?
- Different approach here. Melio uses hybrid pricing, while Soldo 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 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. Soldo: Soldo sits in the mid-market of business spend management, competing with Pleo and Payhawk rather than undercutting them on price. They're not the cheapest option, but the per-card and per-transfer fees mean total cost can creep well above the headline seat price for active teams.
Still deciding? See the best Melio alternatives or the best Soldo alternatives, ranked with verified pricing.
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We'll monitor pricing changes for Melio and Soldo and let you know when something moves.