Best AP Automation · head-to-head
Melio vs Plooto
A sourced, side-by-side comparison for ap automation. Melio has the lower entry price. Every figure links to the vendor's own page and the date we captured it.
At a glance
- Price: Melio $0/mo vs Plooto $9/mo — Melio is cheaper to start.
- Free tier: Melio Yes; Plooto No.
- HIPAA: Melio —; Plooto —.
Side by side
| Melio | Plooto | |
|---|---|---|
| Entry price | $0/mo (Go) | $9/mo (Go) |
| Free tier | Yes | No |
| HIPAA (BAA) | — | — |
| SOC 2 | Yes | Yes |
| GDPR | — | — |
| Best for | Small businesses and freelancers needing free bill pay | Canadian small businesses needing CAD payment automation |
Sources — Melio: meliopayments.com (verified 2026-06-15). Plooto: plooto.com (verified 2026-06-15).
Key features
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
Plooto: Low-cost entry at $9/month for SMBs; Domestic and international (CAD/USD) payment automation; Approval workflows with unlimited approvers on Grow+; Dual control and SSO on Pro tier