Best AP Automation · pricing · Updated June 2026
Melio pricing (2026)
Melio starts at $0/mo (Go), across 5 plans. Best for Small businesses and freelancers needing free bill pay. Every figure links to Melio's own page 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
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. | 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 |
Last verified 2026-06-15. 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.
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 2026-06-15.
Is Melio cheaper billed annually?
Yes. Melio publishes a 20% discount for paying annually (on the Core plan). Verified 2026-06-15.
What are cheaper alternatives to Melio?
Cheaper ap automation than Melio (entry $0/mo) include Plooto at $9/mo, Ramp at $15/mo. Verified 2026-06-15.
Does Melio support HIPAA?
Melio HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Melio have a free plan?
Melio free tier: Yes.
Melio vs alternatives
Compare all ap automation → · Melio alternatives → · Open data · MCP