Melio Pricing in 2026: Plans, Hidden Costs & Alternatives
Quick Answer
Melio starts at $0/monthly. Free B2B payment platform. pay vendors by bank transfer for free, or by card for 2.9%. Melio is laser-focused on making business payments painless. No monthly fee. Integrates with QBO and Xero. The...
Melio Plans & Pricing
Free
$0
per monthly
- Bank transfers free
- Pay by card 2.9%
- Schedule payments
- Sync to QBO/Xero
Full Pricing Breakdown
| Plan | Monthly Price | Annual Price | Billing | Per |
|---|---|---|---|---|
| Free | $0 | — | monthly | flat |
What You Get: Melio Features
| Feature | Included | Plan Tier | Notes |
|---|---|---|---|
| Receipt scanning | No | All | |
| Audit trail | Yes | All | |
| Tax preparation | No | All | |
| Accountant access | No | All | |
| Bank reconciliation | No | All | |
| Bill pay | Yes | All | |
| Double-entry accounting | No | All | |
| Expense tracking | No | All | |
| Inventory tracking | No | All | |
| Invoicing | No | All | |
| Mobile app | Yes | All | |
| Multi-currency | No | All | |
| Multi-entity | No | All | |
| Role-based permissions | No | All | |
| Time tracking | No | All | |
| API access | Yes | All | |
| Bank feeds | No | All | |
| Payroll integration | No | All | |
| Budgeting | No | All | |
| Custom reports | No | All | |
| Financial reports (P&L, Balance Sheet, Cash Flow) | No | All | |
| Project profitability | No | All |
What Users Say About Melio
| Source | Rating | Reviews | Ease of Use | Support | Value |
|---|---|---|---|---|---|
| CAPTERRA | 4.4/5 | 180 | 4.5 | 3.9 | 4.6 |
| G2 | 4.5/5 | 300 | 4.6 | 4.0 | 4.7 |
Melio Alternatives
Looking for a Melio alternative? Here are the top-rated payments tools:
| Tool | Starting Price | Score |
|---|---|---|
| Bill.com | $45/mo | 6.4/10 |
Is Melio Worth It?
Free B2B payment platform. pay vendors by bank transfer for free, or by card for 2.9%. Melio is laser-focused on making business payments painless. No monthly fee. Integrates with QBO and Xero. The catch: they make money on card transaction fees and expedited payments. Melio has a free plan for getting started.