Melio review

Melio keeps bill pay simple for small businesses. The free Go plan is limited to one user but includes AI bill capture, a dedicated bills inbox, payments by ACH, wire or check, and the option to pay any bill by card even when the vendor does not take cards. It includes 5 free ACH payments a month, after which each costs $0.50. Core costs $25 per month, or $20 billed annually, plus $10 for each additional user, and adds QuickBooks Online and Xero sync, batch payments, custom approval workflows, W-9 collection with TIN validation and 1099 e-filing through Tax1099, with 20 free ACH payments. Boost at $55 adds advanced user roles, vendor credits and QuickBooks Desktop sync, and Unlimited at $80 removes the ACH cap, includes unlimited users and adds NetSuite sync. Paid plans are free for the first 90 days. Melio has no OCR line-item coding or PO matching on its pricing page, so larger AP teams will outgrow it.

Who it is for

Very small businesses that want to pay vendors by ACH, card or check with minimal setup.

Price

Free Go plan for one user; Core $25 per month, Boost $55, Unlimited $80; first 90 days free.

$0 /first 90 days Then $25/mo Plus $10/mo per additional user
Quoted from the vendor pricing page on November 9, 2026.

Key features

• AI bill capture and a dedicated bills inbox
• Pay any bill by card, even where vendors do not accept cards
• Pay by ACH, wire or check, including fast and instant payments
• QuickBooks Online and Xero sync, batch payments and approvals from Core
• W-9 collection, TIN validation and 1099 e-filing through Tax1099

Strengths and weaknesses

• Strength: Permanent free plan with 5 free ACH payments a month
• Strength: Paid plans are free for the first 90 days
• Strength: Unlimited plan includes unlimited users and unlimited free ACH
• Weakness: Free Go plan is limited to one user
• Weakness: ACH payments beyond the plan allowance cost $0.50 each
• Weakness: NetSuite sync only on the $80 Unlimited plan

Key facts

• Free plan: Go, one user, 5 free ACH per month
• Core plan: $25 per month, or $20 billed annually
• Free period on paid plans: First 90 days

Where it ranks

Melio is No. 4 in our Best Accounts Payable Software verdict.