Melio Pricing (2026)
It's a subscription tier stacked on top of a transaction-fee layer — you're paying monthly for feature access (approvals, users, sync capabilities), then paying again per payment method when money actually moves. That second fee layer is easy to miss when you're just comparing the $0-$80 sticker prices.
- Go
- $0/mo
- Core
- $25/mo
- Boost
- $55/mo
- Unlimited Popular
- $80/mo
- Platinum
- Contact Sales
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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
Does Melio have a free plan?
Yes: the Go plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $25/mo. Paid tiers also come with a free trial (90 days), no credit card required.
What the free plan includes
- 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
AI Pricing Analysis
Pricing Model
It's a subscription tier stacked on top of a transaction-fee layer — you're paying monthly for feature access (approvals, users, sync capabilities), then paying again per payment method when money actually moves. That second fee layer is easy to miss when you're just comparing the $0-$80 sticker prices.
Tier Strategy
Go is bait for solopreneurs who just want to stop writing checks by hand. Core fits a small business with basic AP needs, but teams outgrow it fast once they need multiple approvers or role-based permissions, which is what pushes them to Boost. Unlimited is for finance teams that have hit user-seat or workflow ceilings and need unrestricted access; Platinum exists for whoever needs custom terms, volume-based fee negotiation, or dedicated support and is willing to talk to sales to get it.
Competitive Positioning
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.
Growth Lever
The paywall gates seats, approval workflows, and accounting sync depth rather than raw transaction volume, but the real expansion revenue comes from payment method fees stacking up as transaction volume grows — so usage is quietly the bigger lever even though the tiers are sold as feature bundles.
Want the strategist's read on the live page? Read the AI teardown of Melio's pricing page →
Melio Pricing FAQ
- How much does Melio cost?
- Paid plans start at $25/mo, going up to $80/mo for larger teams. There's also an Enterprise tier with custom pricing. You can get started on the free plan before committing.
- Is there a free plan?
- Yes. The "Go" plan is free forever, not just a trial. You get 5 free ach/month, pay by ach, wire, or check, fast/instant payments — plus 11 more features. It's enough to evaluate the product before upgrading.
- Can I try it before paying?
- Yes — there's a free trial that lasts 90 days. You don't need a credit card to start.
- How does the pricing work?
- It's a subscription tier stacked on top of a transaction-fee layer — you're paying monthly for feature access (approvals, users, sync capabilities), then paying again per payment method when money actually moves. That second fee layer is easy to miss when you're just comparing the $0-$80 sticker prices.
- Is there a discount for annual billing?
- Yes — you save up to 20% if you pay annually instead of month-to-month. They also mention: "Billed annually pricing available for Core, Boost, and Unlimited plans."
- Which plan makes sense for me?
- Go is bait for solopreneurs who just want to stop writing checks by hand. Core fits a small business with basic AP needs, but teams outgrow it fast once they need multiple approvers or role-based permissions, which is what pushes them to Boost. Unlimited is for finance teams that have hit user-seat or workflow ceilings and need unrestricted access; Platinum exists for whoever needs custom terms, volume-based fee negotiation, or dedicated support and is willing to talk to sales to get it.
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Comparing Melio to something specific? Try Melio vs Bill.com, Melio vs Brex, or Melio vs ChartMogul. Or see the best Melio alternatives, ranked.
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