{
 "schema_version": "1.0",
 "id": "melio",
 "name": "Melio",
 "research_status": "researched",
 "vendor_domain": "meliopayments.com",
 "category": "Financial Operations",
 "task": "Paying bills & getting paid",
 "summary": "Bill payments for small businesses by bank transfer or card, syncing with your accounting tools. Card payments carry a flat 2.9%, which only pays off when you are deliberately floating cash.",
 "best_for": "small businesses that want to pay bills by bank transfer or card and get paid, starting free with no subscription",
 "skip_if": "you already run AP through robust accounting software with bill-pay built in — a second tool adds little",
 "honest_knock": "The free plan is genuinely useful for low bill volume, but the value case narrows as you scale into paid tiers — and the 2.9% card fee only makes sense when you're deliberately floating cash on a card for rewards or timing.",
 "pricing": {
  "status": "public",
  "entry_price": "$20",
  "entry_price_terms": "per month billed annually ($25 monthly)",
  "from_price_usd_month": 20.0,
  "plans": null,
  "plans_source": null,
  "notes": "(re-verified 2026-08-17 and 2026-10-07 on their own pricing page) A free Go plan, $0 forever, with 5 free ACH payments a month and $0.50 for each one after that. Core is $25/mo, or $20 billed annually, with 20 free ACH a month; Boost $55/mo, or $44 annually, with 50 free ACH; Unlimited $80/mo, or $64 annually, with unlimited users. Go is limited to one user. The detail our earlier note missed: every paid plan adds $10 a month per additional user, or $8 on annual billing, so a three-person finance team on Core is $45 a month rather than $25. Card payments carry a flat 2.9% fee; a standard paper check is $1.50 and a wire $10 per payment, with faster options priced higher. Paid plans now start with 90 days free rather than the 30 days we noted earlier: the page offers 90 days of unlimited free ACH payments with no card, and an account that has not subscribed by then drops to Go, losing premium features and the data held in them.",
  "verified_at": "2026-10-07",
  "source_url": null
 },
 "free_plan": true,
 "free_plan_evidence": "(re-verified 2026-08-17 and 2026-10-07 on their own pricing page) A free Go plan, $0 forever, with 5 free ACH payments a month and $0.50 for each one after that.",
 "cost_traps": [
  {
   "id": "annual_lock",
   "label": "Annual commitment",
   "evidence": "The detail our earlier note missed: every paid plan adds $10 a month per additional user, or $8 on annual billing, so a three-person finance team on Core is $45 a month rather than $25.",
   "verified_at": "2026-10-07",
   "source_url": null
  }
 ],
 "compare_with": {
  "name": "Bill.com",
  "why": "the per-seat AP platform for bigger finance teams"
 },
 "links": {
  "record": "https://aibuildermarketplace.com/api/v1/products/melio.json",
  "review": "https://officesoftwaremarketplace.com/melio-review.html",
  "marketplace": "https://aibuildermarketplace.com/marketplace/melio/",
  "vendor_site": "https://meliopayments.com"
 },
 "purchase": {
  "seller": "the vendor",
  "how": "AIBuilder Marketplace does not sell this software. Sign up, start a trial or buy on the vendor's site.",
  "handoff_url": "https://affiliates.meliopayments.com/3k7t5bt87uuu",
  "affiliate": true,
  "disclosure": "Where purchase.affiliate is true, purchase.handoff_url is an affiliate link: AIBuilder Marketplace may earn a commission at no extra cost to the buyer. Commission never changes what a record says, and products are not ranked by commission. Where it is false the link is the vendor's plain site."
 },
 "provenance": {
  "research": "hand-researched dossier, read on the vendor's own pages",
  "researched_since": "2026-07",
  "method": "https://aibuildermarketplace.com/how-we-review/",
  "license": "CC BY 4.0. Credit 'AIBuilder Marketplace' with a link to https://aibuildermarketplace.com/atlas/.",
  "note": "A rebuild is not a new measurement: pricing.verified_at is the date that matters."
 },
 "cost": {
  "status": "available",
  "engine": "https://aibuildermarketplace.com/agents/#cost",
  "rules": {
   "currency": "USD",
   "unit": "user",
   "axis": "users",
   "plans": [
    {
     "id": "go",
     "name": "Go",
     "model": "free",
     "max_units": 1,
     "evidence": "A free Go plan, $0 forever, with 5 free ACH payments a month and $0.50 for each one after that."
    },
    {
     "id": "core",
     "name": "Core",
     "model": "flat",
     "included_units": 1,
     "annual_month": 20,
     "monthly": 25,
     "extra_unit": {
      "annual_month": 8,
      "monthly": 10
     },
     "evidence": "Core is $25/mo, or $20 billed annually, with 20 free ACH a month"
    },
    {
     "id": "boost",
     "name": "Boost",
     "model": "flat",
     "included_units": 1,
     "annual_month": 44,
     "monthly": 55,
     "extra_unit": {
      "annual_month": 8,
      "monthly": 10
     },
     "evidence": "Boost $55/mo, or $44 annually, with 50 free ACH"
    },
    {
     "id": "unlimited",
     "name": "Unlimited",
     "model": "flat",
     "annual_month": 64,
     "monthly": 80,
     "evidence": "Unlimited $80/mo, or $64 annually, with unlimited users"
    }
   ],
   "extra_evidence": "every paid plan adds $10 a month per additional user, or $8 on annual billing",
   "notes": [
    "The per-user add-on applies to Core and Boost; Unlimited includes unlimited users.",
    "Whether approve-only or view-only users count as paid users is not stated."
   ],
   "not_computable": [
    "ACH payments beyond the plan allowance cost $0.50 each; card payments 2.9%; checks and wires per payment.",
    "Paid plans start with 90 days free, which the computed price ignores."
   ],
   "rules_verified_at": "2026-10-07"
  },
  "growth": {
   "annual": {
    "product_id": "melio",
    "currency": "USD",
    "axis": "users",
    "unit": "user",
    "billing": "annual",
    "rows": [
     {
      "units": 1,
      "cheapest_plan": "go",
      "cheapest_plan_name": "Go",
      "total_month": 0.0,
      "billed": {
       "amount": 0.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": 0.0,
       "core": 20.0,
       "boost": 44.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 2,
      "cheapest_plan": "core",
      "cheapest_plan_name": "Core",
      "total_month": 28.0,
      "billed": {
       "amount": 336.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 28.0,
       "boost": 52.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 3,
      "cheapest_plan": "core",
      "cheapest_plan_name": "Core",
      "total_month": 36.0,
      "billed": {
       "amount": 432.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 36.0,
       "boost": 60.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 5,
      "cheapest_plan": "core",
      "cheapest_plan_name": "Core",
      "total_month": 52.0,
      "billed": {
       "amount": 624.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 52.0,
       "boost": 76.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 10,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 64.0,
      "billed": {
       "amount": 768.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 92.0,
       "boost": 116.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 15,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 64.0,
      "billed": {
       "amount": 768.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 132.0,
       "boost": 156.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 20,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 64.0,
      "billed": {
       "amount": 768.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 172.0,
       "boost": 196.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 25,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 64.0,
      "billed": {
       "amount": 768.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 212.0,
       "boost": 236.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 50,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 64.0,
      "billed": {
       "amount": 768.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 412.0,
       "boost": 436.0,
       "unlimited": 64.0
      }
     },
     {
      "units": 100,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 64.0,
      "billed": {
       "amount": 768.0,
       "every": "year"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 812.0,
       "boost": 836.0,
       "unlimited": 64.0
      }
     }
    ],
    "switch_points": [
     {
      "from_units": 1,
      "to_units": 2,
      "from_plan": "go",
      "to_plan": "core",
      "from_plan_name": "Go",
      "to_plan_name": "Core"
     },
     {
      "from_units": 5,
      "to_units": 10,
      "from_plan": "core",
      "to_plan": "unlimited",
      "from_plan_name": "Core",
      "to_plan_name": "Unlimited"
     }
    ],
    "conflicts": [],
    "unknowns": [
     "ACH payments beyond the plan allowance cost $0.50 each; card payments 2.9%; checks and wires per payment.",
     "Paid plans start with 90 days free, which the computed price ignores."
    ]
   },
   "monthly": {
    "product_id": "melio",
    "currency": "USD",
    "axis": "users",
    "unit": "user",
    "billing": "monthly",
    "rows": [
     {
      "units": 1,
      "cheapest_plan": "go",
      "cheapest_plan_name": "Go",
      "total_month": 0.0,
      "billed": {
       "amount": 0.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": 0.0,
       "core": 25.0,
       "boost": 55.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 2,
      "cheapest_plan": "core",
      "cheapest_plan_name": "Core",
      "total_month": 35.0,
      "billed": {
       "amount": 35.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 35.0,
       "boost": 65.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 3,
      "cheapest_plan": "core",
      "cheapest_plan_name": "Core",
      "total_month": 45.0,
      "billed": {
       "amount": 45.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 45.0,
       "boost": 75.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 5,
      "cheapest_plan": "core",
      "cheapest_plan_name": "Core",
      "total_month": 65.0,
      "billed": {
       "amount": 65.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 65.0,
       "boost": 95.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 10,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 80.0,
      "billed": {
       "amount": 80.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 115.0,
       "boost": 145.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 15,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 80.0,
      "billed": {
       "amount": 80.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 165.0,
       "boost": 195.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 20,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 80.0,
      "billed": {
       "amount": 80.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 215.0,
       "boost": 245.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 25,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 80.0,
      "billed": {
       "amount": 80.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 265.0,
       "boost": 295.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 50,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 80.0,
      "billed": {
       "amount": 80.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 515.0,
       "boost": 545.0,
       "unlimited": 80.0
      }
     },
     {
      "units": 100,
      "cheapest_plan": "unlimited",
      "cheapest_plan_name": "Unlimited",
      "total_month": 80.0,
      "billed": {
       "amount": 80.0,
       "every": "month"
      },
      "ranges": [],
      "per_plan": {
       "go": "not_eligible",
       "core": 1015.0,
       "boost": 1045.0,
       "unlimited": 80.0
      }
     }
    ],
    "switch_points": [
     {
      "from_units": 1,
      "to_units": 2,
      "from_plan": "go",
      "to_plan": "core",
      "from_plan_name": "Go",
      "to_plan_name": "Core"
     },
     {
      "from_units": 5,
      "to_units": 10,
      "from_plan": "core",
      "to_plan": "unlimited",
      "from_plan_name": "Core",
      "to_plan_name": "Unlimited"
     }
    ],
    "conflicts": [],
    "unknowns": [
     "ACH payments beyond the plan allowance cost $0.50 each; card payments 2.9%; checks and wires per payment.",
     "Paid plans start with 90 days free, which the computed price ignores."
    ]
   }
  }
 },
 "unknowns": [
  "Plan-by-plan prices are not structured in this record yet; pricing.notes has the full text.",
  "Contract terms (cancellation, data export, data location, minimum seats) are not researched as separate fields; pricing.notes mentions them only where the vendor's pricing page does.",
  "Not tested hands-on by us: what the product does comes from the vendor's pages and our reading of them."
 ],
 "task_evidence": null,
 "open_questions": [
  {
   "question_id": "melio:cancellation_terms",
   "key": "cancellation_terms",
   "question": "Can a customer cancel at any time, and what happens to an annual plan that is cancelled mid-term?",
   "status": "open"
  },
  {
   "question_id": "melio:data_export",
   "key": "data_export",
   "question": "Which data can a customer export, in which formats, on which plans?",
   "status": "open"
  },
  {
   "question_id": "melio:data_location",
   "key": "data_location",
   "question": "Where is customer data stored, and can a customer choose the region?",
   "status": "open"
  },
  {
   "question_id": "melio:pricing_gap_1",
   "key": "pricing_gap_1",
   "question": "Our price check could not put a number on this part of the cost: ACH payments beyond the plan allowance cost $0.50 each; card payments 2.9%; checks and wires per payment. Can you publish the price or the rule?",
   "status": "open"
  },
  {
   "question_id": "melio:pricing_gap_2",
   "key": "pricing_gap_2",
   "question": "Our price check could not put a number on this part of the cost: Paid plans start with 90 days free, which the computed price ignores. Can you publish the price or the rule?",
   "status": "open"
  }
 ],
 "vendor_answers": [],
 "agent_channels": {
  "vendor_mcp": null,
  "agent_checkout": {
   "status": "not_found",
   "detail": "No explicit support for purchases by AI agents on the vendor's own pages.",
   "checked_at": "2026-10-07",
   "method": "homepage, /pricing and the pricing page we cite, read as plain HTML (no JavaScript) and searched for explicit support of purchases by AI agents: Agentic Commerce Protocol, Instant Checkout, Agent Payments Protocol, buy in ChatGPT, agentic checkout"
  }
 }
}