PayPal Invoicing vs Melio

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

Compare	PayPal InvoicingPayPal	MelioMelio
In one line	Invoices clients can pay with PayPal, Venmo, or card	Pay bills by ACH, check, or card, with a free plan
Starting price	Free	Free
Six-person team	$0/mo	$75/mo
On $10,000 of card sales	$309/mo	$290/mo
Plans	No monthly fee; PayPal or Venmo 3.49% + 49¢; cards 2.99% + 49¢; +1.5% international	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	Free tier
Free trial	—	90 days
Users	Unlimited	1 on Go, Core, and Boost; unlimited on Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Zoho Books, Akaunting, ZipBooks	No others on record
Team size	Just me · 2–10 people	Just me · 2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated	Boost and up
Live chat	Every plan	Core and up
Support hours	Not published	Not published
Incidents posted	PayPal has a public status page. Status page	We found no public status page for Melio.
Capterra score	4.7 / 5 from 595 reviews	4.2 / 5 from 405 reviews
Trustpilot score	Not listed	3.3 / 5 from 1,632 reviews
Fit: Retail shop	35	65
Fit: Restaurant or café	20	65
Fit: Service business	80	78
Fit: Agency or studio	75	72
Fit: Trades or contractor	75	72
Fit: Online store	60	60
Why people pick it	Clients trust and already use PayPal No monthly fee	Free plan with 5 free ACH payments a month 90-day trial of paid plans
Where it falls short	Higher fees than Stripe or Square Account holds are a known risk	Checks and fast payments cost extra each time Extra users $10 a month below Unlimited
	Visit PayPal Invoicing ↗	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