Stripe Invoicing vs Melio

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

Compare	Stripe InvoicingStripe	MelioMelio
In one line	Invoices and payment links on Stripe's rails	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	No monthly fee; Starter 0.4% per paid invoice; Plus 0.5% (adds quotes); plus Stripe card processing 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	FreshBooks, Zoho Books, Puzzle, Akaunting, Kashoo, ZipBooks, Bench, Patriot Accounting +1 more	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Every plan	Boost and up
Live chat	Every plan	Core and up
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	We found no public status page for Melio.
Capterra score	4.6 / 5 from 10 reviews (few reviews)	4.2 / 5 from 405 reviews
Trustpilot score	Not listed	3.3 / 5 from 1,632 reviews
Fit: Retail shop	50	65
Fit: Restaurant or café	30	65
Fit: Service business	88	78
Fit: Agency or studio	92	72
Fit: Trades or contractor	70	72
Fit: Online store	85	60
Why people pick it	No subscription Subscriptions and payment links included	Free plan with 5 free ACH payments a month 90-day trial of paid plans
Where it falls short	Needs a developer for anything custom Percentage fee on every invoice	Checks and fast payments cost extra each time Extra users $10 a month below Unlimited
	Visit Stripe 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