Square Invoices 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.
Square Invoices fits retail shop, trades or contractor.- Melio fits agency or studio, online store.
| Compare | Square InvoicesBlock | MelioMelio |
|---|---|---|
| In one line | Free invoicing that shares a ledger with Square POS | 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 | $336/mo | $290/mo |
| Plans | Square Free $0/mo: invoice card payments 3.3% + 30¢, ACH 1% ($1 min); Square Plus $49/mo per location: 2.9% + 30¢; Square Premium $149/mo per location: 2.9% + 30¢ | 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 tier | 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 | 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 · UK · CA · AU | US |
| Phone support | Every plan (US) | Boost and up |
| Live chat | Plans not stated | Core and up |
| Support hours | Phone: 6am–6pm PT M–F for the first 90 days (Square Free only), 6am–6pm PT M–F (Square Plus only), 24/7 (Square Premium only) | Not published |
| Incidents posted | 14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page | We found no public status page for Melio. |
| Capterra score | 4.7 / 5 from 123 reviews | 4.2 / 5 from 405 reviews |
| Trustpilot score | Not listed | 3.3 / 5 from 1,632 reviews |
| Fit: Retail shop | 85 | 65 |
| Fit: Restaurant or café | 70 | 65 |
| Fit: Service business | 85 | 78 |
| Fit: Agency or studio | 60 | 72 |
| Fit: Trades or contractor | 85 | 72 |
| Fit: Online store | 40 | 60 |
| Why people pick it |
|
|
| Where it falls short |
|
|
| Visit Square Invoices | 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
More comparisons with Square Invoices or Melio
Stripe Invoicing vs Square InvoicesStripe Invoicing vs MelioSquare Invoices vs Invoice NinjaSquare Invoices vs BILLSquare Invoices vs Zoho InvoiceSquare Invoices vs PayPal InvoicingSquare Invoices vs HoneyBookSquare Invoices vs BonsaiSquare Invoices vs JoistSquare Invoices vs HarvestSquare Invoices vs Invoice2goSquare Invoices vs eBillityInvoice Ninja vs MelioBILL vs MelioZoho Invoice vs MelioPayPal Invoicing vs MelioHoneyBook vs MelioBonsai vs MelioMelio vs JoistMelio vs HarvestMelio vs Invoice2goMelio vs eBillity