Melio vs Harvest

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

Compare	MelioMelio	HarvestHarvest
In one line	Pay bills by ACH, check, or card, with a free plan	Time tracking that turns hours into invoices
Starting price	Free	From $9/person
Six-person team	$75/mo	$54/mo
On $10,000 of card sales	$290/mo	Your own card processor
Plans	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	Free (1 seat, 2 projects); Teams from $9/seat/mo billed yearly ($11 monthly); Enterprise from $14/seat/mo yearly ($17.50 monthly); extra invoices, projects, clients billed by usage (rates not published); 30-day trial
Pricing model	Free tier	Free tier
Free trial	90 days	30 days
Users	1 on Go, Core, and Boost; unlimited on Unlimited	1 on free
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record	No others on record
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US · UK · CA · AU
Phone support	Boost and up	Teams and up
Live chat	Core and up	None listed
Support hours	Not published	Not published
Incidents posted	We found no public status page for Melio.	0 incidents posted on Harvest's status page, which covers all Harvest products and regions, in the 90 days to Oct 27, 2026. Status page
Capterra score	4.2 / 5 from 405 reviews	4.5 / 5 from 655 reviews
Trustpilot score	3.3 / 5 from 1,632 reviews	1.6 / 5 from 24 reviews
Fit: Retail shop	65	20
Fit: Restaurant or café	65	10
Fit: Service business	78	82
Fit: Agency or studio	72	92
Fit: Trades or contractor	72	55
Fit: Online store	60	20
Why people pick it	Free plan with 5 free ACH payments a month 90-day trial of paid plans	Time to invoice in a few clicks Free for one person
Where it falls short	Checks and fast payments cost extra each time Extra users $10 a month below Unlimited	Usage fees not published Built for hourly billing only
	Visit Melio ↗	Visit Harvest ↗

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