# Melio pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Go). Among the 6 ap automation we track it is the cheapest; median entry $5/mo.
**Domain:** meliopayments.com
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Yes · GDPR Not published
**Integrations:** QuickBooks Online, QuickBooks Desktop, Xero, Oracle NetSuite, Amazon Business
**Best for:** Small businesses and freelancers needing free bill pay; SMBs wanting to pay vendors by credit card to earn rewards; QuickBooks Online users needing seamless AP sync
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Go | $0 | — | flat | Free forever. 1 user, 5 free ACH transfers/month, invoice creation, payment links, basic QuickBooks/Xero sync. No multi-user or approval workflows. | meliopayments.com |
| Core | $25 | −20% | hybrid | Base $25/month + $10/user/month (annual: $20 + $8/user). 20 free ACH/month, multi-user, QuickBooks Online/Xero sync, batch payments, approval workflows. Credit card payments: 2.9% fee. | meliopayments.com |
| Boost | $55 | −20% | hybrid | Base $55/month + $10/user/month (annual: $44 + $8/user). 50 free ACH/month, advanced user roles, QuickBooks Desktop sync, premium phone support. | meliopayments.com |
| Unlimited | $80 | −20% | flat | Flat $80/month (annual: $64). Unlimited users, unlimited ACH, NetSuite sync, all integrations. Annual billing saves 20%. | meliopayments.com |
| Platinum | Quote-only | — | custom | Invite-only/custom pricing for high-volume businesses. Custom transaction pricing, card-to-wire options, API access. | meliopayments.com |

**Key features:** 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.

**Plan limits:** Go plan: 1 user, 5 free ACH/month; Core: 20 free ACH/month; Boost: 50 free ACH/month; Credit card payments always incur 2.9% fee; NetSuite only on Unlimited plan.

Sources: 1 · Last verified 2026-06-15
Provenance: Pricing re-fetched from meliopayments.com/pricing on 2026-06-15: Go $0 forever-free, Core $25 (+$10/user; $20+$8 annual), Boost $55 (+$10/user; $44+$8 annual), Unlimited $80 ($64 annual), Platinum custom — all confirmed exactly with 20% annual discount. freeTrialDays set null (Go is a forever tier, not a trial). Compliance from meliopayments.com/security.
Canonical: https://frontdeskreview.com/software/ap-automation/melio/
Cite: Per The Front Desk Review, Melio's entry plan was $0 (free)/mo as of 2026-06-15 — https://frontdeskreview.com/software/ap-automation/melio/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl