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 vendor's own page and 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 2026-06-15 · 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 2026-06-15) · 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

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