AP Automation · pricing · Updated September 2026
Melio pricing (2026)
Melio starts at $0/mo (Go) as checked on 2026-09-02, read from melio.com — the public source it was captured from, not a Melio page; 5 plans. Best for Small businesses and freelancers needing free bill pay. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: $0/mo (Go)
- Free tier: Yes
- Compliance: HIPAA — · SOC 2 Yes · GDPR —
- 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
As of · every figure below links to its source
Melio plans & pricing
| 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. | melio.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. | melio.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. | melio.com |
| Unlimited | $80 | −20% | flat | Flat $80/month (annual: $64). Unlimited users, unlimited ACH, NetSuite sync, all integrations. Annual billing saves 20%. | melio.com |
| Platinum | not priced monthly | — | custom | Invite-only/custom pricing for high-volume businesses. Custom transaction pricing, card-to-wire options, API access. | melio.com |
Last verified 2026-09-02. 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. Re-verified 2026-09-02 against the live pricing page; published figures unchanged.
Price changes
Price on record
$25/moFirst on record 2026-06-27
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Capabilities
Integrations: QuickBooks Online, QuickBooks Desktop, Xero, Oracle NetSuite, Amazon Business.
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.
Frequently asked questions
How much does Melio cost?
Melio starts at $0/mo (Go); it has 5 published plans. Verified 2026-09-02.
Is Melio cheaper billed annually?
Yes. Melio publishes a 20% discount for paying annually (on the Core plan). Verified 2026-09-02.
What are cheaper alternatives to Melio?
Cheaper AP automation than Melio (entry $0/mo) include Plooto at $9/mo, Ramp at $15/mo. Verified 2026-09-02.
Does Melio support HIPAA?
Melio HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Melio have a free plan?
Melio free tier: Yes.
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Display this standing
Melio currently holds a silver deskmark here — Rank 4 of 8 · AP Automation. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm and money never touches it.
The image is drawn from our live data, so it follows the standing rather than freezing it: if Melio moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.