What it costs
A month of books at 100 transactions
Does not apply
No plan keeps a full set of books
Checked against the maker's own pages, 26 October 2026.
Melio price and plans
Prices excluding tax, as Melio publishes them.
Go
Free
Keeps no full set of books
- Flat fee
Core
$25 a month
Keeps no full set of books
- Flat fee
Boost
$55 a month
Keeps no full set of books
- Flat fee
Unlimited
$80 a month
Keeps no full set of books
- Flat fee
Pricing page, captured
melio.com/pricing, checked
What we checked on Melio
Cost for a solo freelancer
A freelancer can run bills and invoices for $0 a month on the free Go plan, which covers five ACH payments, bill capture and unlimited invoicing; extra ACH payments cost $0.50 each.
Yes. Melio Go has no subscription fees and includes all the main features needed to start paying and getting paid online.
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Promotion and regular price
promotion: every paid plan is shown at $0 for the first 90 days, and the card states the regular rate that follows, $25 a month on Core.
$0 /first 90 days Then $25/mo
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Ledger included
Melio is a payments layer, not a ledger: it syncs to QuickBooks, Xero or NetSuite, which the buyer licenses separately, and the vendor names those four as its only accounting integrations.
Melio currently integrates with Xero, NetSuite, QuickBooks Online, and QuickBooks Desktop.
What the price is based on
Flat per-business monthly subscription per plan, plus $10 a month for each extra user on Core and Boost, with transaction fees charged per payment on top.
Then $25/mo Plus $10/mo per additional user
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Users included
Go is one user only; Core and Boost include one user and charge $10 a month per additional user, and only the $80 Unlimited plan includes unlimited seats.
Multiple users — $10/mo per user … Unlimited
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Past your plan’s limits
Past the plan's monthly free ACH allowance Melio keeps processing payments and charges $0.50 for each additional ACH payment rather than blocking them.
After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
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Setup or onboarding fee
No onboarding or setup fee appears anywhere in the plan cards or the full transaction-fee table; the only charges are the monthly subscription and per-payment fees.
$0 /free forever
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Notice before a price rise
The terms let Melio change subscription fees at any time with no notice period promised; a change takes effect at the next billing cycle and you may cancel before it does.
Subscription Fees may be changed by Melio at any time and for any reason. Subscription Fee changes will take effect at the start of Your next billing…
What the AI does
AI extracts vendor, amount, line items and due dates from uploaded bills, codes them to classes and locations, and Agent Mel answers questions about bills, payments and vendors.
Auto-fill vendor details, amounts, line items, and due dates with OCR scanning on imported bills.
melio.com/accounts-payableChecked
What the AI costs
included: AI bill capture is on every plan including free Go, but the AI assistant Agent Mel is listed only from the $25 Core plan up, so the assistant needs a paid plan.
AI bill capture … AI assistant
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Categorizes transactions
It categorizes captured bills, not bank and card transactions: bills sync to QuickBooks Online with classes, locations and line items coded by AI that learns from corrections.
Bills captured in Melio sync to QuickBooks Online with classes, locations, and line items categorized automatically by AI, learning from your…
Reads receipts and bills
Bills can be emailed to a dedicated inbox, dragged in, bulk-uploaded or photographed, and card spenders get a text or email prompt to upload the receipt straight to the account.
The moment a business purchase is made, spenders get prompted for a receipt via text or email—which they can then upload from their phone.
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Pays your bills
This is the core product: bills are captured, routed through multi-level approval workflows and paid by ACH, card, check, wire or international transfer from one dashboard.
Set roles, permissions, and multi-level approval workflows to keep money moving responsibly.
melio.com/accounts-payableChecked
Sends invoices
Invoicing and payment links are included free on every plan, customers pay by card or bank without signing up, and payments match to invoices automatically on sync.
Payments match to invoices automatically, with AI categorization by class, location, and line item.
Your own bookkeeper
No bookkeeper or accountant comes with any plan; the only named human is white-glove account management on the invite-only Platinum program for high-volume card spenders.
On the page: Platinum plan card, benefits list
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Your accountant can sign in
An external accountant can be added as a user role on Core and up, and firms themselves get Melio's Unlimited plan free, so the firm seat costs nothing.
Accounting firms get Melio’s Unlimited plan for free, which includes premium features like advanced approval workflows, W-9 collection, 1099 sync…
melio.com/accounting-firmsChecked
Accuracy the vendor claims
Melio publishes no accuracy figure for its AI; it labels Agent Mel Beta and tells users to double-check, and its only numbers are time saved and volume processed.
Agent Mel uses your real Melio data, but like any AI tool, it’s not perfect. That’s why we clearly mark it as Beta and always recommend…
melio.com/ai-agentChecked
QuickBooks Online
QuickBooks Online and Xero sync from the $25 Core plan, QuickBooks Desktop from Boost, and NetSuite only on the $80 Unlimited plan
Melio currently integrates with Xero, NetSuite, QuickBooks Online, and QuickBooks Desktop. QuickBooks Desktop and NetSuite support is only available…
Xero
QuickBooks Online and Xero sync from the $25 Core plan, QuickBooks Desktop from Boost, and NetSuite only on the $80 Unlimited plan
On the page: QuickBooks integration FAQ, integration and plan availability answers
QuickBooks Desktop
QuickBooks Online and Xero sync from the $25 Core plan, QuickBooks Desktop from Boost, and NetSuite only on the $80 Unlimited plan
On the page: QuickBooks integration FAQ, integration and plan availability answers
NetSuite
QuickBooks Online and Xero sync from the $25 Core plan, QuickBooks Desktop from Boost, and NetSuite only on the $80 Unlimited plan
On the page: QuickBooks integration FAQ, integration and plan availability answers
Bank and card feeds
Melio imports bills and vendor invoices, not bank or card transaction feeds; connected cards only trigger receipt requests for spend, and the ledger keeps the bank feed.
Connect the cards you already use, and the moment someone spends*, they’ll get a prompt to snap the receipt straight to your account, ready for…
melio.com/expense-managementChecked
Stripe
no Stripe, Shopify, PayPal, Square or Gusto connection is documented anywhere on the site.
Melio’s Meta Ads integration imports your invoices automatically so you can pay them in a few clicks—including by credit card, even if Meta won’t…
Shopify
no Stripe, Shopify, PayPal, Square or Gusto connection is documented anywhere on the site.
On the page: Meta Ads integration hero paragraph
PayPal
no Stripe, Shopify, PayPal, Square or Gusto connection is documented anywhere on the site.
On the page: Meta Ads integration hero paragraph
Square
no Stripe, Shopify, PayPal, Square or Gusto connection is documented anywhere on the site.
On the page: Meta Ads integration hero paragraph
Gusto payroll
no Stripe, Shopify, PayPal, Square or Gusto connection is documented anywhere on the site.
On the page: Meta Ads integration hero paragraph
Moves you off QuickBooks Desktop
There is no history migration, but a two-way QuickBooks Desktop sync of bills, vendors and payments is included from the Boost plan at $55 a month.
On the page: Boost plan card, feature list
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Platforms
web and ios: the full platform runs in a browser, and a phone app pays, approves and invoices, with iOS named for sharing bills in; Android is never named.
From the iOS app, you can also send an invoice image or file from apps including email and photos directly to your Melio app.
melio.com/mobile-appChecked
Files your tax return
Melio files no income tax return; its only tax work is contractor W-9 collection and 1099 e-filing through a Tax1099 sync on paid plans.
Sync with Tax1099 for easy 1099 e-filing.
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Files 1099s
W-9 collection with TIN matching and 1099 e-filing are included from the $25 Core plan, but the filing itself happens through a sync to Tax1099, not inside Melio.
Use the W-9 & 1099 tab in your dashboard to quickly spot “pending” or “not verified” W-9s, take follow-up actions, and sync to Tax1099
Other currencies
You can pay vendors in 15 foreign currencies to 80+ countries on every plan, but this is payment conversion, not multi-currency bookkeeping or invoicing in other currencies.
Currently, Melio facilitates international payments to vendors in 15 currencies, including EUR, GBP, CAD, and more.
Profit by project or job
Bills can carry classes and locations on every plan and sync coded to QuickBooks Online, but Melio reports no profit by project itself; the ledger does.
Additional bill attributes: Classes and locations
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Funds for nonprofits
Nonprofits are a named segment and bills carry the compare table's only extra attributes, classes and locations, so there is no restricted-fund or grant accounting.
On the page: Compare plans table, Bill management section
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SOC 2 report
The vendor states a SOC 2 Type II certification audited annually, plus ISO/IEC 27001, and customers can request the reports under NDA through a form.
Melio holds a SOC 2 Type II certification, meaning an independent auditor reviews the company’s security controls each year.
Your data trains AI
The privacy policy commits only that data from Google Workspace APIs is not used to train AI models; it states no such limit, and no opt-out, for your bill and payment data.
Data received from Google Workspace APIs is not used, transferred, or sold to develop, improve, or train generalized or foundational machine-learning…
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For accounting firms
Firms get the Unlimited plan free with unlimited users, a multi-client dashboard, and client discounts from 30% up to 45%, plus a tiered partner program.
Manage every client relationship from one dashboard with clear oversight, team role assignments, and one login.
melio.com/accounting-firmsChecked
Several businesses
Several companies can live in one Melio account, one per NetSuite OneWorld subsidiary, though the vendor never publishes what an extra entity costs.
You can create a few different companies in your Melio account—one for each subsidiary—and sync them all for easier reconciliation and accurate…
United States
US only: the terms require a United States-domiciled business and a Melio-supported US bank or card, and the terms of service are split by US state.
use the Services on behalf of a United States-domiciled business entity or freelancer; and (iv) have a valid deposit account at a Melio-supported bank
Free trial or free plan
Go is a standing free plan with five free ACH payments a month and free invoicing, and every paid plan is free for 90 days with no credit card needed.
Get access to 90 days of unlimited free ACH payments, advanced automations, and more—no credit card needed.
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Sign up without a sales call
You sign up and pay online in minutes with no sales call; only the invite-only Platinum program for high card volume goes through an application and the Platinum team.
Get setup and ready to make payments in minutes. All you need is a vendor to pay and a bank account or card to pay them with.
Contract and cancelling
Plans renew each billing cycle and can be canceled in the account or by email at any time, taking effect after the current cycle; annual billing is a cheaper option, not a requirement.
You may request to cancel your Paid Subscription Plan at any time through your Account or by emailing Melio at support@melio.com.
Support
Live chat and email support are on every plan, priority chat comes with Core, and premium phone support starts on the $55 Boost plan; no hours are published.
On the page: Compare plans table, Customer support section
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Melio alternatives
All 9 alternatives6 more alternatives
5 of the 9 publish a price.
- StampliOn quoteProcure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing.
- Booke AINo list priceAn AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.
- PilotNo list priceA bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.
- SimpleAIFrom $79 a monthAI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.
Sources and changes
Last changed
Sources on melio.com14
What changed on this page1
- Bookkeeping features, free plan, plan limits, prices, terms
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