Zoho Invoice vs Melio
Two invoicing & payments tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Zoho Invoice costs less for a six-person team.
Melio fits retail shop, restaurant or café, online store.- Zoho Invoice fits service business, agency or studio.
- Melio suits teams past ten people.
| Compare | Zoho InvoiceZoho | MelioMelio |
|---|---|---|
| In one line | Free invoicing with quotes, time tracking, and a client portal | Pay bills by ACH, check, or card, with a free plan |
| Starting price | Free for 2 users | Free |
| Six-person team | $0/mo | $75/mo |
| On $10,000 of card sales | Your own card processor | $290/mo |
| Plans | Free; up to 500 invoices/yr and 2 users; card fees from your payment provider | 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 | Up to 2 | 1 on Go, Core, and Boost; unlimited on Unlimited |
| Both connect to | QuickBooks Online | |
| Also connects to | No others on record55+ listed by the vendor | Xero |
| Team size | Just me · 2–10 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 | None listed | Core and up |
| Support hours | Email: 24/5 · Phone: 24/5 | Not published |
| Incidents posted | Zoho has a public status page. Status page | We found no public status page for Melio. |
| Capterra score | 4.7 / 5 from 823 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 | 25 | 65 |
| Fit: Service business | 88 | 78 |
| Fit: Agency or studio | 85 | 72 |
| Fit: Trades or contractor | 80 | 72 |
| Fit: Online store | 35 | 60 |
| Why people pick it |
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| Where it falls short |
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| Visit Zoho Invoice | 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
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