Melio
Melio
Pay bills by ACH, check, or card, with a free plan
Melio pays vendor bills by bank transfer, check, or card and sends invoices that customers can pay by ACH for free. The free Go plan includes 5 ACH payments a month; Core at $25 a month adds 20 free payments and QuickBooks and Xero sync. Checks cost $1.50 and card payments 2.9%. Melio is for a US business paying many vendors. Businesses based outside the US need a different tool.
Cost at your size
Monthly card sales
On $10,000 of card sales a month: $290 a month with card fees, at a $500 average sale.
Melio costs $34 less than the median invoicing & payments tool for $10,000 of monthly card sales ($324).
Change assumptions
Card fees at US rates. Figures from the vendor's published prices. How we calculate prices
What Melio connects to
Accounting
Accounting tools in our catalog · found on vendor and marketplace pages, October 2026 · 2 of 2 checked by us
Sources
- QuickBooks Online: help.melio.com/hc/en-us/categories/4945017248412-Integrations, found 2026-10-12, checked 2026-10-15
- Xero: help.melio.com/hc/en-us/categories/4945017248412-Integrations, found 2026-10-12, checked 2026-10-15
Getting help with Melio
- How to reach them
- Help center: every plan
- Live chat: Core and up
- Phone: Boost and up
- Hours
- Hours not published
- Onboarding
- White-glove account management (Platinum only)
We found no public status page for Melio.
From Melio's support and pricing pages, October 2026 · checked by us 2026-10-14 · How we gather this
Sources
- melio.com/contact, read 2026-10-13
- melio.com/pricing, read 2026-10-13
- Help center: “Visit our Help Center to find answers to any questions you may have.” (melio.com/contact)
- Live chat: “Priority chat support” (melio.com/pricing)
- Phone: “Premium phone support” (melio.com/pricing)
- Onboarding: “White-glove account management” (melio.com/pricing)
What reviewers say about Melio
- Capterra4.2 / 5 · 405 reviews
- Trustpilot3.3 / 5 · 1,632 reviews
- G2See reviews on G2
- US App Store (iPhone app)4.6 / 5 · 1,495 ratings
- Google Play (Android app)4.0 / 5 · 212 ratings
Each site has its own reviewers, so we show the scores side by side and never average them. App ratings cover the mobile app only. Scores read Oct 28, 2026. How we show reviews
Recent changes at Melio
- Aug 2026LaunchAdded expense management, with real-time receipt capture. melio.com
Picked from Melio's own pages and the press, reviewed by us before publishing · checked weekly, last check Oct 26, 2026 · How we pick news
Why people pick it
- Free plan with 5 free ACH payments a month
- 90-day trial of paid plans
Where it falls short
- Checks and fast payments cost extra each time
- Extra users $10 a month below Unlimited
Alternatives in invoicing & payments
Are you Melio? Feature Melio at the top of invoicing & payments, or sponsor it in search and the quiz, from $99 a month. You can also manage its links or correct the listing.