Melio pricing (2026): plans, costs and is it worth it?
Before you commit to Melio, here is how its pricing stacks up. As a accounts payable / payments tool, Melio provides paid plans only; the breakdown below walks through each paid tier using its current public plans.
Simple B2B bill pay that lets SMBs pay by card while vendors still get checks or ACH. Melio keeps things paid-only, so budget for a subscription from day one. Simple B2B bill pay letting SMBs pay vendors by bank transfer or card while vendors receive checks or ACH; free core payments.
Plans & pricing tiers
| Plan | Price (approx.) | What's included |
|---|---|---|
| Go | Free | 5 free ACH payments/month |
| Core | ~$25/mo (~$20 annual) | 20 free ACH payments/month |
| Boost | ~$55/mo (~$44 annual) | 50 free ACH, priority support, QuickBooks Desktop |
| Unlimited | ~$80/mo (~$64 annual) | Unlimited ACH and users |
Prices are estimates drawn from the vendor's plans and third-party reviews, and can change at any time, so check before you commit.
Prices verified 2026-06-28 from public vendor pricing. Plans and prices change — always confirm on the vendor's own site. No price here is guaranteed.
What you're paying for
The capabilities you are paying for with Melio include:
- B2B bill pay by bank transfer or card, with vendors receiving check or ACH
- Free ACH allowances per plan tier
- International payments in USD and foreign currencies
- Faster check delivery and instant payment options
- Two-way accounting sync
Feature availability varies by tier, so cross-check the plan column before settling on one.
Which plan to pick
Melio is built for uS SMBs handling vendor bill pay, plus accountant referral partners. Match that description and the Core plan (~$25/mo (~$20 annual)) is where to start; a higher tier earns its cost only when you need vendor payments.
Is Melio worth it?
Paid plans run from roughly $20 to $80 per month (or per seat, depending on the plan). If smb bill pay is your goal, start low: the cheapest paid tier covers it for most users, and vendor payments is what eventually pushes you up a level. Budget-conscious buyers should price the entry tier against competitors before deciding.
Pricing watch-outs
- 2.9% fee to pay by card.
- Flat 2.9% fee for card payments across all tiers.
Drawn from independent reviews and the vendor's own plan details (see sources below).
Melio keeps pricing relatively flat per tier, so the main decision is which plan's features you need rather than how heavily you'll use it.
Pricing FAQ
Does Melio have a free plan?
Melio is a paid tool without a standing free plan; check its site for any current trial or money-back window.
How much does Melio cost?
Its cheapest paid plan, Core, lists at ~$25/mo (~$20 annual). Paid plans run from roughly $20 to $80 per month (or per seat, depending on the plan). The exact bill depends on billing cycle and how many seats or how much usage you need.
Is there a cheaper alternative to Melio?
There are cheaper accounts payable / payments options that cover the core job; the Melio alternatives page lines up their entry costs for you.
Is Melio worth the price for smb bill pay?
For smb bill pay it generally earns its cost at the entry tier; if that's only a side need, weigh it against a cheaper specialist first.
Which Melio plan should I choose?
Most readers in that situation start with the Core plan (~$25/mo (~$20 annual)); a higher tier pays off only when you run into vendor payments.
Sources
Figures and facts on this page are drawn from the following Melio sources, so you can verify them yourself: