Is BILL or Melio cheaper?

BILL has the lower entry price — BILL starts at $0/mo and Melio at $0/mo.

Does BILL or Melio support HIPAA?

HIPAA support — BILL: Yes; Melio: —. Confirm current scope with the vendor.

BILL vs Melio

A sourced, side-by-side comparison for ap automation. BILL has the lower entry price. Every figure links to the public page it was captured from — the vendor's own wherever the vendor publishes the number, otherwise the named public source — with the date we captured it.

BILL has the lower entry price — BILL starts at $0/mo, Melio at $0/mo. Free tier: BILL Yes, Melio Yes. HIPAA: BILL Yes, Melio —.

As of 2026-09-02 · figures link to their source below

Side by side

BILL

$0/mo entry

Entry price$0/mo (Spend & Expense)

Free tierYes

HIPAA (BAA)Yes

SOC 2Yes

GDPR—

Best forSMBs needing combined AP and AR

Melio

$0/mo entry

Entry price$0/mo (Go)

Free tierYes

HIPAA (BAA)—

SOC 2Yes

GDPR—

Best forSmall businesses and freelancers needing free bill pay

Sources — BILL: bill.com (verified 2026-09-02) · Melio: melio.com (verified 2026-09-02)

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

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