Melio

PAYMENTS (AR/AP)

Free B2B bill pay.

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

// We may earn a commission if you sign up through this link, at no extra cost to you.

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

Free plan (5 ACH/mo); paid from ~$25/mo (Core).

See live pricing ↗

// Pricing is set by Melio and can change. We track entry pricing; verify the latest on their site.

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?

Free plan (5 ACH/mo); paid from ~$25/mo (Core).

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 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) →