Best AP Automation · head-to-head
BILL vs Melio
A sourced, side-by-side comparison for ap automation. BILL has the lower entry price. Every figure links to the vendor's own page and the date we captured it.
At a glance
- Price: BILL $0/mo vs Melio $0/mo — BILL is cheaper to start.
- Free tier: BILL Yes; Melio Yes.
- HIPAA: BILL Yes; Melio —.
Side by side
| BILL | Melio | |
|---|---|---|
| Entry price | $0/mo (Spend & Expense) | $0/mo (Go) |
| Free tier | Yes | Yes |
| HIPAA (BAA) | Yes | — |
| SOC 2 | Yes | Yes |
| GDPR | — | — |
| Best for | SMBs needing combined AP and AR | Small businesses and freelancers needing free bill pay |
Sources — BILL: bill.com (verified 2026-06-15). Melio: meliopayments.com (verified 2026-06-15).
Key features
BILL: AI invoice coding and line-item capture; Approval workflows with custom roles; Combined AP + AR in one platform; Spend & Expense corporate cards free add-on
Melio: Free forever Go plan for solo users; Pay vendors by ACH, check, wire, or credit card; Approval workflows and multi-user roles; Deep QuickBooks/Xero/NetSuite two-way sync