Melio Review (2026)

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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. Throughout this review we weigh it against Bill.com.

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Pricing (2026)

✓ Pricing re-verified 17 Aug 2026

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. 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 and check and wire payments have their own charges.

Frequently asked questions

What does Melio cost?

The Go plan is free forever with 5 ACH payments a month, then $0.50 each. Core is $25 a month ($20 annually) with 20 free ACH, Boost $55 ($44) with 50 free ACH, and Unlimited $80. Read on 17 August 2026.

What does it cost for a team?

More than the plan price, and this is the part most summaries leave out: each additional user is $10 a month, or $8 on annual billing, on top of the plan. Core with three users is $45 a month billed monthly, not $25. Count the seats before comparing with a flat-fee competitor.

Are the payments themselves free?

ACH payments are free up to your plan's allowance and $0.50 each after it. Card payments cost a flat 2.9%, and cheques and wires carry their own fees. For a business paying mostly by ACH the effective cost is close to the subscription; for one paying suppliers by card, the 2.9% will dwarf it.

What should I weigh before buying Financial Operations software?

The bar here is higher than features. Check who actually holds the money and under what licence, whether client funds are segregated, what audit trail and permission controls you get, and how support behaves when something goes wrong mid-transaction. Anything touching payments should be able to answer those in writing; if it cannot, that is your answer.

Is this a hands-on review of Melio?

This is a researched assessment, not a hands-on test — where we've used a tool ourselves, we say so explicitly. We name what each tool is good and bad at, and we earn a commission only if you sign up, at no cost to you.

Others in this category

Reviewed financial operations tools that share ground with Melio — comparable in what they do, not drop-in swaps:

Bill.comXeroFreshBooksAspireFlatpayall 27 reviews →

This is our researched assessment — not a paid placement. The “Visit” links on this page are affiliate links: we may earn a commission if you sign up, at no extra cost to you, and it never changes our take. How we review →