Melio
Pay any business bill any way you want and get paid faster — AP, AR and accounting sync in one platform.
By Melio Solutions Inc. · HQ New York, US · 4.0/5 verified-buyer score
Positioning guardrails
Best for
- SMBs and mid-market finance teams paying vendor bills by card, ACH, check or wire from one dashboard
- Accounting firms and bookkeepers managing bill pay for multiple client entities
- Businesses that need two-way sync with QuickBooks Online, QuickBooks Desktop, Xero or NetSuite
- Companies making international vendor payments in USD or local currencies
- Teams wanting approval workflows, user roles and an audit trail without a full enterprise AP suite
Ideal size: 1–250 people · SMB or mid-market finance team with a bookkeeper or accounting firm
Not for
- Enterprises needing procurement-to-pay with purchase-order matching and spend control
- Businesses that need the payment tool to double as their accounting ledger
- Companies wanting a construction, logistics or restaurant vertical back-office in the same product
- Non-US businesses needing a locally incorporated bill-pay entity
Value metrics scorecard
Time-to-Value
Same day (self-serve signup)
~1 days to first production value
Total Cost of Ownership
$960/yr
Starts at $0 · Monthly subscription tiers (Go free; Core $25/mo, Boost $55/mo, Unlimited $80/mo) with per-user add-ons and per-transaction fees; annual billing discounts.
Implementation Friction
2/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Go is limited to one user; Core and Boost cost $10/mo per extra user; Unlimited includes unlimited user seats.
Add-on costs
- Additional users: $10/mo each on Core and Boost, $8/mo each when billed annually
- ACH payments above the plan's free monthly allowance: $0.50 each
- Card payments 2.9%; wire transfers from $10; overnight check $50; instant bank transfer 1% ($75 max)
- Platinum (invite-only): custom pricing and fees for businesses processing over $300K/month by card
Company & support
Who is behind Melio, and how your team gets help once it is live.
Company
- Founded
- Not recorded
- Headquarters
- New York, US
How you get support
- PhoneEnterprise only
- EmailPlan not stated
- Live chatPaid plans
- Support portal / ticketsNot listed
- Community forumNot listed
- Help centre / docsAll plans
- Dedicated account managerEnterprise only
- In person / on-siteNot listed
- Hours
- Not recorded
- Response time
- Not stated
Melio's pricing page lists live chat support, dedicated email support, priority support and premium phone support. Boost adds priority support with phone callbacks, Unlimited adds premium support and dedicated onboarding, and Platinum adds white-glove account management. Support hours and response…
“Not listed” means the vendor’s public pages don’t mention that channel, not that it is unavailable. Ask about it during evaluation.
Market position
Where Melio sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line. A dashed ring marks an outlier pinned to the edge; hover for its value.
Companies on the chart 6 / 10
- Melio
- OptimoRoute
- Routific
- Shipday
- Relay
- PeopleKeep
Add or change companies
Up to 10 companies including Melio. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What Melio ships in AI, and what it asks of your ecosystem.
AI features shipped
Melio describes AI bill capture that extracts bill details from camera upload, email sync or manual entry, plus 'Agent Mel', a personal AI payment assistant for instant answers about bills, payments and vendors. Bill line items are also auto-categorized by AI and learn from corrections, but no model hosting or AI audit details are published.
In your ecosystem
- AI connection
- Not supported
- Model key
- Not recorded
- AI usage audit
- Not recorded
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
Melio is a US-focused AP and AR payment platform for SMBs, mid-market teams and accounting firms. Businesses pay any vendor bill by ACH, card, check or wire — including card-funded payments to vendors that do not accept cards — send invoices, collect by card or bank transfer, and route approvals. Bills and payments sync two-way with QuickBooks Online, QuickBooks Desktop, Xero and NetSuite. Plans start free with five ACH payments a month; paid tiers run $25–$80 per month, and the invite-only Platinum tier adds custom pricing and API access.
Frequently asked questions
What does Melio cost for a small finance team?
Go is free forever for one user with five free ACH payments a month. Core is $25/mo, Boost $55/mo and Unlimited $80/mo, each with a 90-day free trial and cheaper annual pricing. Extra users cost $10/mo (or $8/mo annually) on Core and Boost. Transaction fees apply: $0.50 per ACH after the free allowance, and 2.9% on card payments.
How long does it take to get live?
Signup is self-serve and Melio says an account can be set up in minutes and used immediately on the free plan, with no implementation fee. Connecting QuickBooks Online or Xero is a guided two-way sync; QuickBooks Desktop and NetSuite sync require the Unlimited plan, and Platinum adds custom API and enterprise integrations.
Which accounting systems does Melio sync with?
QuickBooks Online and Xero from the Core plan, QuickBooks Desktop from Boost, and NetSuite on Unlimited. Melio performs a two-way sync of bills, vendors, payments, customers and invoices, and applies QuickBooks Online vendor credits inside Melio.
Is Melio secure and compliant?
Melio publishes an annual SOC 2 Type II audit and ISO/IEC 27001:2022 certification, uses AES-256 encryption at rest and TLS 1.2+ in transit, and processes card data through a Level 1 PCI-compliant third-party processor. Security reports and certificates are available to customers under NDA.
Does Melio replace our ERP or accounting software?
No. Melio is the payment and approval layer that syncs to your accounting system. Procurement, purchase-order matching, job costing and inventory stay in your ERP or vertical system, while Melio handles how bills are paid and how incoming payments are collected.
How does Melio fit for accounting firms?
Melio is widely used by firms to pay bills on behalf of clients, with multi-client workflows, approval routing and accounting sync. Boost is positioned for larger or more complex finance teams including accounting firms, and the invite-only Platinum tier adds custom fees, API access and enterprise integrations.