BILL vs Melio

Two invoicing & payments tools side by side. Prices are the starting plan a small business would pick, in USD.

Short version

Melio costs less on $10,000 of monthly card sales.
Melio fits retail shop, restaurant or café.
BILL: Approval workflows.

Compare	BILLBILL Holdings	MelioMelio
In one line	Accounts payable and receivable with approval workflows	Pay bills by ACH, check, or card, with a free plan
Starting price	From $49/person	Free
Six-person team	$294/mo	$75/mo
On $10,000 of card sales	$339/mo	$290/mo
Plans	Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each	Go free (1 user, 5 free ACH payments/mo, no extra users); Core $25/mo (1 user, 20 free ACH, QuickBooks and Xero sync); Boost $55 (1 user); extra users $10/mo each on Core and Boost; Unlimited $80 (unlimited users); checks $1.50, paying by card 2.9%; receiving ACH free
Pricing model	Free trial	Free tier
Free trial	—	90 days
Users	Per user	1 on Go, Core, and Boost; unlimited on Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle, Kick35+ listed by the vendor	No others on record
Team size	11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan; Enterprise only	Boost and up
Live chat	Every plan	Core and up
Support hours	Live chat: Monday–Friday: 5 am to 6 pm PT; Saturday–Sunday: 6 am to 3 pm PT	Not published
Incidents posted	0 incidents posted on BILL Holdings's status page, which covers all BILL Holdings products and regions, in the 90 days to Oct 27, 2026. Status page	We found no public status page for Melio.
Capterra score	4.1 / 5 from 563 reviews	4.2 / 5 from 405 reviews
Trustpilot score	1.6 / 5 from 1,677 reviews	3.3 / 5 from 1,632 reviews
Fit: Retail shop	50	65
Fit: Restaurant or café	45	65
Fit: Service business	75	78
Fit: Agency or studio	80	72
Fit: Trades or contractor	65	72
Fit: Online store	60	60
Why people pick it	Approval workflows Accountant network	Free plan with 5 free ACH payments a month 90-day trial of paid plans
Where it falls short	Per-user pricing adds up Setup takes time	Checks and fast payments cost extra each time Extra users $10 a month below Unlimited
	Visit BILL	Visit Melio

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $500 average sale. How we calculate prices

BILL vs Melio

Short version

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