Melio

PAYMENTS (AR/AP)

Free B2B bill pay.

FROM $25/MOPAYMENTS (AR/AP)
VISIT MELIO ↗

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Overview

Melio lets small businesses pay bills by bank transfer or card while vendors get a check or deposit, for free. A simple, popular AP tool.

Key features

  • Free ACH bill pay
  • Pay by card
  • Approvals
  • Accounting sync

Melio pricing

From $25/mo

Go is free forever for one user with 5 free ACH transfers a month. Core $25/mo (20 free ACH), Boost $55/mo (50 free ACH). Extra users $10/mo each on paid plans.

See live pricing ↗

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Pros & cons

+ PROS

  • Free to use
  • Pay by card even when vendors want a check

- CONS

  • US-focused

Melio alternatives

Other payments (ar/ap) tools for accounting worth comparing:

Melio head-to-head

Frequently asked

How much does Melio cost?

Go is free forever for one user with 5 free ACH transfers a month. Core $25/mo (20 free ACH), Boost $55/mo (50 free ACH). Extra users $10/mo each on paid plans.

What is Melio best for?

Melio is a payments (ar/ap) tool for accounting professionals. Free B2B bill pay.

What are the best Melio alternatives?

Popular payments (ar/ap) alternatives to Melio include BILL, GoCardless. Compare them in our Accounting index.

Is Melio free?

Yes, up to a point. Melio has a free plan, and paid plans start at $25 per month. Go is free forever for one user with 5 free ACH transfers a month. Core $25/mo (20 free ACH), Boost $55/mo (50 free ACH). Extra users $10/mo each on paid plans.

Is Melio worth it?

Melio's main strengths are free to use and pay by card even when vendors want a check. The trade-offs to weigh are us-focused. For most accounting professionals it is worth trying if those strengths match your priorities.

// FULL GUIDEThe Best Accounting & Bookkeeping Software for Small Firms (2026) →