# Melio — Bill pay and invoicing for US small businesses, with AI bill capture and QuickBooks, Xero and NetSuite sync. > Source: Tick Mark Books — https://tickmarkbooks.com/melio (structured, researched, re-verified) Melio is a US business payments platform for paying vendor bills by bank transfer, card, check, wire or international payment, and for sending invoices and payment links. AI captures bills and an assistant answers questions about them. **Best for:** US small businesses and accounting firms paying vendor bills by card or bank transfer | Fact | Value | | --- | --- | | Website | https://melio.com/ | | Category | Accounts payable and bills, Bookkeepers and accounting firms, Freelancers and the self-employed, Free accounting software, Small businesses, Works with QuickBooks Online, Works with Xero | | Open source | No | | Price | Free | | Price checked | 26 October 2026 | Screenshot of Melio: https://tickmarkbooks.com/img/1920/screenshots/melio.webp, captured 27 October 2026 **What we checked** - Pages last read: 26 October 2026 - Price on its site: Free plan (From its pricing page) ## What it costs A month of books at 100 transactions: Does not apply No plan keeps a full set of books ## Melio price and plans Prices excluding tax, as Melio publishes them. | Plan | Price | What's included | | --- | --- | --- | | 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 as we captured it: https://tickmarkbooks.com/img/1920/screenshots/melio/pricing.webp, captured 27 October 2026 Read on https://melio.com/pricing/, 26 October 2026. ## What we checked on Melio ### What it costs to keep your books **Cost for a solo freelancer** · Yes — 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. > — https://melio.com/pricing/ · FAQ, 'Is there a Melio free plan?', checked 26 October 2026 **Promotion and regular price** · Yes — 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 > — https://melio.com/pricing/ · Core plan card, price cell, checked 26 October 2026 **Ledger included** · No — 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. > — https://melio.com/integrations/quickbooks/ · QuickBooks integration FAQ, 'Which accounting software does Melio integrate with?', checked 26 October 2026 **What the price is based on** · Yes — 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 > — https://melio.com/pricing/ · Core plan card, price cell and sub-line, checked 26 October 2026 **Users included** · Partly — 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 > — https://melio.com/pricing/ · Compare plans table, 'Multiple users' row, checked 26 October 2026 **Past your plan’s limits** · Yes — 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. > — https://melio.com/pricing/ · Plan card tooltip on the 'free ACH/month' line, checked 26 October 2026 **Setup or onboarding fee** · No — 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 > — https://melio.com/pricing/ · Go plan card, price cell, checked 26 October 2026 **Notice before a price rise** · Partly — 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 cycle following the date of the price change. > — https://melio.com/terms-of-service/melio-solutions/ · Section 15, 'Changes to Subscription Fees', checked 26 October 2026 ### What the AI does with your books **What the AI does** · Yes — 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. > — https://melio.com/accounts-payable/ · 'Automate AP workflows, step by step', step 1 Capture, checked 26 October 2026 **What the AI costs** · Partly — 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 > — https://melio.com/pricing/ · Plan cards: 'AI bill capture' on Go, 'AI assistant' bolded as new on Core, checked 26 October 2026 **Categorizes transactions** · Partly — 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 corrections over time. > — https://melio.com/integrations/quickbooks/ · 'Categorize bills automatically' section, checked 26 October 2026 **Reads receipts and bills** · Yes — 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. > — https://melio.com/expense-management/ · 'Expense management made easy', 'Easy receipt capture', checked 26 October 2026 **Pays your bills** · Yes — 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. > — https://melio.com/accounts-payable/ · 'Automate AP workflows, step by step', step 3 Approve, checked 26 October 2026 **Sends invoices** · Yes — 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. > — https://melio.com/accounts-receivable/ · 'Sync automatically with QuickBooks and Xero' section, checked 26 October 2026 ### Who checks the AI’s work **Your own bookkeeper** · No — 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. > White-glove account management > — https://melio.com/pricing/ · Platinum plan card, benefits list, checked 26 October 2026 **Your accountant can sign in** · Yes — 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 through Tax1099, and unlimited users within the firm. > — https://melio.com/accounting-firms/ · FAQ, 'Does my firm pay for Melio?', checked 26 October 2026 **Accuracy the vendor claims** · No — 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 double-checking important details before taking action. > — https://melio.com/ai-agent/ · FAQ, 'Is Agent Mel accurate?', checked 26 October 2026 ### Where your books live and what it connects to **QuickBooks Online** · Yes — 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 on the Unlimited plan. > — https://melio.com/integrations/quickbooks/ · QuickBooks integration FAQ, integration and plan availability answers, checked 26 October 2026 **Xero** · Yes — 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 on the Unlimited plan. > — https://melio.com/integrations/quickbooks/ · QuickBooks integration FAQ, integration and plan availability answers, checked 26 October 2026 **QuickBooks Desktop** · Yes — 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 on the Unlimited plan. > — https://melio.com/integrations/quickbooks/ · QuickBooks integration FAQ, integration and plan availability answers, checked 26 October 2026 **NetSuite** · Yes — 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 on the Unlimited plan. > — https://melio.com/integrations/quickbooks/ · QuickBooks integration FAQ, integration and plan availability answers, checked 26 October 2026 **Bank and card feeds** · No — 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 review. > — https://melio.com/expense-management/ · Expense management hero paragraph, checked 26 October 2026 **Stripe** · No — 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 accept it directly. > — https://melio.com/integrations/meta-ads/ · Meta Ads integration hero paragraph, checked 26 October 2026 **Shopify** · No — 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 accept it directly. > — https://melio.com/integrations/meta-ads/ · Meta Ads integration hero paragraph, checked 26 October 2026 **PayPal** · No — 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 accept it directly. > — https://melio.com/integrations/meta-ads/ · Meta Ads integration hero paragraph, checked 26 October 2026 **Square** · No — 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 accept it directly. > — https://melio.com/integrations/meta-ads/ · Meta Ads integration hero paragraph, checked 26 October 2026 **Gusto payroll** · No — 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 accept it directly. > — https://melio.com/integrations/meta-ads/ · Meta Ads integration hero paragraph, checked 26 October 2026 **Moves you off QuickBooks Desktop** · Partly — 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. > QuickBooks Desktop sync > — https://melio.com/pricing/ · Boost plan card, feature list, checked 26 October 2026 **Platforms** · Yes — 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. > — https://melio.com/mobile-app/ · FAQ, 'How do I add an invoice in the app?', checked 26 October 2026 ### Taxes **Files your tax return** · No — 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. > — https://melio.com/pricing/ · Core plan card tooltip on '1099 automation', checked 26 October 2026 **Files 1099s** · Partly — 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 > — https://melio.com/1099-and-w9-management/ · 'Check your tax season readiness' section, checked 26 October 2026 ### What it keeps track of **Other currencies** · Partly — 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. > — https://melio.com/international-payments/ · Q&A, 'Which currencies are supported?', checked 26 October 2026 **Profit by project or job** · Partly — 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 > — https://melio.com/pricing/ · Compare plans table, Bill management section, checked 26 October 2026 **Funds for nonprofits** · Partly — 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. > Additional bill attributes: Classes and locations > — https://melio.com/pricing/ · Compare plans table, Bill management section, checked 26 October 2026 ### Your data and its security **SOC 2 report** · Yes — 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. > — https://melio.com/international-payments/ · Q&A, 'How secure are international payments?', checked 26 October 2026 **Your data trains AI** · Partly — 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 or artificial-intelligence models. > — https://melio.com/privacy-policy/ · Section 12, Google Data Policy, checked 26 October 2026 ### Who it is built for **For accounting firms** · Yes — 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. > — https://melio.com/accounting-firms/ · 'Total visibility, zero chaos' section, checked 26 October 2026 **Several businesses** · Yes — 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 record-keeping. > — https://melio.com/integrations/netsuite/ · NetSuite integration FAQ, editions answer, checked 26 October 2026 **United States** · Yes — 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 > — https://melio.com/terms-of-service/melio-solutions/ · Section 4, Eligibility Requirements, checked 26 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Yes — 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. > — https://melio.com/pricing/ · Pricing hero paragraph, checked 26 October 2026 **Sign up without a sales call** · Yes — 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. > — https://melio.com/international-payments/ · 'Easy to start, easy to use.' section, checked 26 October 2026 **Contract and cancelling** · Yes — 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. > — https://melio.com/terms-of-service/melio-solutions/ · Section 22, Closing your account; cancellation of paid subscription plans, checked 26 October 2026 **Support** · Partly — 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. > Premium phone support > — https://melio.com/pricing/ · Compare plans table, Customer support section, checked 26 October 2026 ## Melio alternatives - [FreeAgent](https://tickmarkbooks.com/freeagent) · From £10 a month (about $13): UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. - [Zoho Books](https://tickmarkbooks.com/zoho-books) · Free plan, then $20 a month: Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Stampli](https://tickmarkbooks.com/stampli) · Price on request: Procure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [Expensify](https://tickmarkbooks.com/expensify) · Free plan, then $5 a seat a month: Receipt scanning, company cards, bill pay and reimbursements that feed QuickBooks, Xero or NetSuite. - [Xero](https://tickmarkbooks.com/xero) · From $27 a month: Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan. 5 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/melio/alternatives/) ## Sources and changes Last changed 27 October 2026 **Sources on melio.com** (14) - https://melio.com/pricing/, read 26 October 2026 - https://melio.com/integrations/quickbooks/, read 26 October 2026 - https://melio.com/international-payments/, read 26 October 2026 - https://melio.com/terms-of-service/melio-solutions/, read 26 October 2026 - https://melio.com/accounting-firms/, read 26 October 2026 - https://melio.com/accounts-payable/, read 26 October 2026 - https://melio.com/expense-management/, read 26 October 2026 - https://melio.com/1099-and-w9-management/, read 26 October 2026 - https://melio.com/accounts-receivable/, read 26 October 2026 - https://melio.com/ai-agent/, read 26 October 2026 - https://melio.com/integrations/meta-ads/, read 26 October 2026 - https://melio.com/integrations/netsuite/, read 26 October 2026 - https://melio.com/mobile-app/, read 26 October 2026 - https://melio.com/privacy-policy/, read 26 October 2026 ## Is this yours? Claim Melio: https://tickmarkbooks.com/claim/melio Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: Melio (melio)".