Does Melio replace my accounting software?

No. Melio pays bills and collects invoice payments, but it keeps no general ledger of its own. Bills, invoices and payments sync two-way with QuickBooks Online, Xero, QuickBooks Desktop or NetSuite, depending on the plan.

The Go plan is free for one user and includes five ACH payments a month, with $0.50 per payment after that. Paid plans start at $25 a month plus $10 per user and raise the free ACH allowance. Transaction fees, such as 2.9 percent for card payments and $1.50 for a mailed check, apply on every plan.

Can Melio send invoices as well as pay bills?

Yes. It creates branded invoices with a built-in payment link, sends automated reminders and accepts card or bank payment, and the customer does not need a Melio account to pay.

Can Melio pay vendors abroad?

Yes. It supports international payments to vendors in more than 80 countries, who can be paid in US dollars or in one of 15 local currencies.

Melio

AI features

AI bill capture reads incoming bills, an AI assistant answers payment questions, and incoming payments are categorized automatically by class, location and line item.

Bill payment and invoicing for small businesses, with a free tier for one user and per-transaction fees instead of a licence for everyone.

Starting price: Free; Core from $25 / month
API: A B2B payout API and embedded payments for partner platforms, rather than a general customer API
Hosting: Cloud (SaaS)

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Overview

Melio is a business payment platform for paying vendor bills and getting paid, rather than a general ledger. On the payables side it captures bills, routes them through approval workflows and pays by ACH, wire, paper check or credit card, including international payments to more than 80 countries. On the receivables side it creates branded invoices with a payment link, sends reminders and collects by card or bank transfer. Pricing is a monthly subscription with per-transaction fees on top, and the entry plan is free for a single user.

Our take

Melio suits a small business that wants to stop writing checks without moving its books anywhere. The subscription is charged per company rather than per seat, and a solo owner can run it at no software cost at all, which makes it cheap to start where per-user AP tools are not. The trade-off is that the real cost sits in the transaction fees, so the sums change with payment volume and payment method rather than with headcount, and card payments in particular carry a percentage. It stays a payments layer: the accounting system it syncs with still does the bookkeeping, and QuickBooks Desktop and NetSuite sync only arrive on the upper plans.

Key Facts

Category	Accounting & Invoicing
Starting price	Free; Core from $25 / month Go is free for one user with five free ACH payments a month. Core is $25 / month plus $10 per user, Boost $55, Unlimited $80 with users included; 20 percent off with annual billing. Transaction fees apply on top, for example $0.50 per ACH beyond the plan allowance, $1.50 per mailed check and 2.9 percent for card payments.
API	A B2B payout API and embedded payments for partner platforms, rather than a general customer API
Hosting	Cloud (SaaS)

Screenshots

Placeholders. They are replaced as soon as the vendor sends material, and both open the same short form.

Features

Invoicing and quotes: Yes, branded invoices with a built-in payment link, automated reminders and payment by card or bank transfer, with customers paying without a Melio account
Bookkeeping and bank feeds: No general ledger of its own; bills, invoices and payments sync two-way with QuickBooks Online, Xero, QuickBooks Desktop or NetSuite depending on the plan
Expenses and receipts: Yes, on every plan including the free one: connect the credit or debit cards already in use, and each time one is used the spender is prompted by text or e-mail to upload the receipt, which is then stored, categorized and synced to QuickBooks or Xero
Tax and compliance: W-9 collection and 1099 automation, from the Core plan upwards
Payroll: No payroll. Melio pays vendors and contractors and handles W-9 collection, TIN validation and 1099 e-filing through Tax1099, but running employee payroll is not part of the platform
Reports and exports: A dashboard that tracks outgoing payments and what is owed and when, plus a payment history export as CSV over a chosen date range of up to twelve months back, carrying the date, status, invoice number, amount, customer name and who initiated each payment, and downloadable Audit Trail reports; the ledger reports themselves stay in the synced accounting system
Integrations and API: A B2B payout API and embedded payments for platforms that want to build on Melio's payment rails, rather than a general customer API

Integrations

QuickBooks Online
QuickBooks Desktop
Xero
NetSuite
Meta
Amazon Business

Deployment and Support

Deployment: Cloud (SaaS)
Browser-based
Support: Chat
Phone
Company size: Small and mid-sized
Enterprise

Pros and Cons

Strengths

Free plan for a single user, with five free ACH payments a month
Charged per company rather than per seat, with users included outright on the Unlimited plan
Pays vendors by card even where the vendor accepts only a bank transfer or check
Invoicing and payment collection are included at no extra software cost
International payments to more than 80 countries in 15 currencies

Limitations

Not a general ledger; a separate accounting system is still needed
Transaction fees apply on top of the subscription, including 2.9 percent for card payments
QuickBooks Desktop sync needs Boost and NetSuite sync needs Unlimited

Pricing

Go

Free

One user, five free ACH payments a month and $0.50 per additional one. Includes payment by card, AI bill capture, international payments and invoicing.
Core

$25 / month plus $10 per user

$20 per month plus $8 per user with annual billing. Twenty free ACH payments a month, QuickBooks Online and Xero sync, batch payments, approval workflows, W-9 and 1099 handling, priority chat support.
Boost

$55 / month plus $10 per user

$44 per month plus $8 per user with annual billing. Fifty free ACH payments a month, QuickBooks Desktop sync, advanced user roles, vendor credits, premium phone support.
Unlimited

$80 / month

$64 per month with annual billing. Unlimited users at no extra cost, unlimited free ACH payments and NetSuite sync.
Platinum

Not stated

Custom pricing for high-volume businesses paying more than $300,000 a month by card, with custom transaction fees and priority processing.

Alternatives and Comparisons

FAQ

Does Melio replace my accounting software?: No. Melio pays bills and collects invoice payments, but it keeps no general ledger of its own. Bills, invoices and payments sync two-way with QuickBooks Online, Xero, QuickBooks Desktop or NetSuite, depending on the plan.
Is Melio free?: The Go plan is free for one user and includes five ACH payments a month, with $0.50 per payment after that. Paid plans start at $25 a month plus $10 per user and raise the free ACH allowance. Transaction fees, such as 2.9 percent for card payments and $1.50 for a mailed check, apply on every plan.
Can Melio send invoices as well as pay bills?: Yes. It creates branded invoices with a built-in payment link, sends automated reminders and accepts card or bank payment, and the customer does not need a Melio account to pay.
Can Melio pay vendors abroad?: Yes. It supports international payments to vendors in more than 80 countries, who can be paid in US dollars or in one of 15 local currencies.

What users say

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Last verified: 2026-09-02

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