Accounting & Invoicing
Melio
Free-to-low-cost bill pay for SMBs — pay vendors by ACH, card, or check.
4.5· 245 reviews· via G2Founded 2018 · New York, NY
What is Melio?
Melio is a bill-pay and accounts-payable/receivable service for small businesses in the US. It lets companies pay vendors by ACH, card, or paper check from one dashboard, even when the vendor accepts only checks, and syncs with accounting software.
Best known for: Simple vendor bill pay for small businesses
Key features
- Vendor bill payments (AP)
- Pay by ACH, card, or check
- Invoicing and getting paid (AR)
- Approval workflows
- QuickBooks and Xero sync
- Free ACH bank transfers
Who Melio is best for
- Small businesses wanting free or low-cost bill pay
- Firms paying vendors that only take checks
- Teams wanting to float payables on a credit card
Ideal team: Solopreneurs and small businesses (1–20 people) with modest monthly bill volume.
Melio pricing
Go
$0
- 5 free ACH/mo
- 1 user
- Pay by bank, card, or check
Core
$25/flat / mo
- 20 free ACH/mo
- Extra users +$10/mo
- $20/mo billed annually
Popular
Boost
$55/flat / mo
- 50 free ACH/mo
- Approval workflows
- $44/mo billed annually
Unlimited
$80/flat / mo
- Unlimited free ACH
- Unlimited users
- $64/mo billed annually
Costs to watch before you commit
- Card payments carry a flat 2.9% surcharge paid by the sender.
- $0.50 per ACH once the free monthly allotment is used.
- Check mailing is $1.50 (fast/overnight $20–$50); wires and instant transfers ~1%.
- International payments cost $20 flat or ~1% ($30 min / $95 max) plus FX.
Top Melio alternatives
Popular Accounting & Invoicing tools teams evaluate alongside Melio.
Patriot AccountingSimple, low-cost accounting and invoicing for US small businesses.
Invoice NinjaOpen-source invoicing and payments — free self-host or affordable cloud.
Zoho Invoice100% free invoicing software — genuinely $0, with no time limit.
SynderAutomated bookkeeping and reconciliation into QuickBooks, Xero and NetSuite.
HoldedAll-in-one business suite — accounting, invoicing, inventory, CRM and HR.