Melio Pricing (2026)
It's a flat monthly subscription layered on top of per-transaction fees, so you're paying twice: a base fee for platform access plus usage-based charges every time money actually moves. The subscription tiers mainly gate features and user seats, while the transaction fees are the real usage metric that scales with how much AP/AR volume you push through.
- 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
- 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
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 (30 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
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
AI Pricing Analysis
Pricing Model
It's a flat monthly subscription layered on top of per-transaction fees, so you're paying twice: a base fee for platform access plus usage-based charges every time money actually moves. The subscription tiers mainly gate features and user seats, while the transaction fees are the real usage metric that scales with how much AP/AR volume you push through.
Tier Strategy
Go is the free bait for solopreneurs who just need basic bill pay, Core targets small businesses wanting light approval workflows, and Boost/Unlimited step up for teams needing more users, faster ACH, or multi-entity support. The upgrade trigger is usually hitting a wall on approval workflows or needing more seats — once a bookkeeper and an owner both need distinct permissions, Go stops cutting it.
Competitive Positioning
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.
Growth Lever
Seats and approval complexity are the visible upgrade triggers, but the real expansion lever is transaction volume — more bills paid means more fee revenue regardless of tier. Platinum's invite-only, custom-quote structure suggests Melio saves its best negotiating leverage for high-volume customers who'd otherwise churn to a cheaper competitor.
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 10 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 30 days. You don't need a credit card to start.
- How does the pricing work?
- It's a flat monthly subscription layered on top of per-transaction fees, so you're paying twice: a base fee for platform access plus usage-based charges every time money actually moves. The subscription tiers mainly gate features and user seats, while the transaction fees are the real usage metric that scales with how much AP/AR volume you push through.
- 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 on Core, Boost, and Unlimited plans."
- Which plan makes sense for me?
- Go is the free bait for solopreneurs who just need basic bill pay, Core targets small businesses wanting light approval workflows, and Boost/Unlimited step up for teams needing more users, faster ACH, or multi-entity support. The upgrade trigger is usually hitting a wall on approval workflows or needing more seats — once a bookkeeper and an owner both need distinct permissions, Go stops cutting 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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