AP Automation · pricing · Updated September 2026
Melio pricing (2026)
Melio's paid plans start at $25/mo (Core) as checked on 2026-09-27, 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: $25/mo (Core) · 20% off with annual billing
- 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 STALE · 2026-09-27
Melio plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Go STALE · 2026-09-27 | $0 | — | Flat monthly | 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 STALE · 2026-09-27 | $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 STALE · 2026-09-27 | $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 STALE · 2026-09-27 | $80 | −20% | Flat monthly | Flat $80/month (annual: $64). Unlimited users, unlimited ACH, NetSuite sync, all integrations. Annual billing saves 20%. | melio.com |
| Platinum STALE · 2026-09-27 | not priced monthly | — | Custom / quote | Invite-only/custom pricing for high-volume businesses. Custom transaction pricing, card-to-wire options, API access. | melio.com |
Last verified 2026-09-27. STALE marks a plan we have not re-checked at its source in over 30 days. Every plan above is marked — we flag rather than silently retain. 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. The free-trial length is not recorded (Go is a forever tier, not a trial). Compliance from meliopayments.com/security.
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.
Corrections to this record
Changes we made to our own record of Melio, newest first: a figure read again on the vendor's page, a plan it no longer lists, a note. None of them is a price change by Melio. Every correction on the site is in the corrections log.
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Source replaced, price unchanged. https://meliopayments.com/pricing/ answers 301 from a different host: https://melio.com/pricing/. Read and accepted because Melio shortened its domain; identical path. The figure is unchanged and still stands on the day it was read; only the address is corrected. Cross-host redirects are checked one at a time rather than by rule, because a rebrand and a redirect into somebody else's shop look identical to a pattern — seven others in the same batch were refused for pointing at a different article, a brand landing page, or this machine's own geography.
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's paid plans start at $25/mo (Core), and it lists a $0 plan (Go); it has 5 published plans. Verified 2026-09-27.
Is Melio cheaper billed annually?
Yes. Melio publishes a 20% discount for paying annually (on the Core plan). Verified 2026-09-27.
What are cheaper alternatives to Melio?
Cheaper AP automation than Melio (entry $25/mo) include Plooto at $9/mo. Verified 2026-09-27.
Does Melio support HIPAA?
Melio's public pages do not say whether it supports HIPAA. Its public pages also state SOC 2 compliance.
Does Melio have a free plan?
Yes — Melio publishes a free tier.
Melio vs alternatives
Compare all AP automation · Melio alternatives · SOC 2 claims in AP automation · Open data · MCP
Cheaper AP automation alternatives
- Plooto from $9/mo
More AP automation tools
Related categories
This standing as a plaque
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, which never reads commission data. We never ask anyone to show it, and its link carries rel="nofollow".
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.