Free payments
Melio plans include free ACH payments each month, with a $0.50 fee for additional payments. BILL doesn’t offer any free ACH payments and charges $0.59 per transaction.
Melio vs. BILL: Which one is right for you?
While legacy platforms like BILL digitize and automate AP, Melio takes these capabilities to a whole new level—offering greater flexibility, faster payments, and a simpler, smoother way for businesses to pay and get paid. Last updated: August 2025
Simpler. Faster. Cheaper.
Features
Melio
BILL
Features
Free plan, no subscription fee
No sign up required for your vendors
Free ACH
Included in every plan
Instant payments
International payments
Unlimited free ACH
Add unlimited users
ACH payment speed
Up to 3 business days
Up to 5 business days
No payment limits
Volume discounts
No failed payment fee
No voided check fee
Net terms & installments
Regular check pricing
$1.50
$1.99
The top choice for over 100,000 business owners
Why businesses choose Melio
Faster payments
Melio ACH payments arrive within 3 business days.1 ACH payments on BILL can take up to 5 business days.
No sign up needed to get paid
BILL requires your vendors to complete a lengthy sign-up just to receive payments, while Melio allows you to pay your vendors with no action required on their part.
Simple and intuitive
Melio offers a slicker, easier, and more intuitive experience compared to BILL. With Melio’s self-serve AP/AR platform, your team can onboard quickly without lengthy training or tutorial videos, making it simple to start managing payments right away.
Pay on net terms or in installments
Melio allows you to extend your cash flow and make payments in net 30 or installments. BILL does not offer deferred payments.
See Melio vs. BILL in Action:
Scaling your payments while saving you time
15+
Hours saved on bill pay every month (average)
40M+
Bills paid on time through our platform
$100B+
Dollars we processed securely
2M+
Vendors that got paid
*Based on internal data, user surveys, and company records.
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Melio vs. the alternatives
FAQ
Yes. Aside from offering a free plan, which BILL does not, Melio premium plans range from $22-$68/mo and $10 per additional user, while BILL plans start at $45/mo per user and range up to $79/mo per users.
Melio offers lower fees than BILL for several key payment methods, such as sending checks, ACH transfers, Real-Time Payments, and better foreign exchange rates. However, BILL has lower fees for expedited options like fast checks and overnight checks.
Yes. Melio has built-in W-9 collection and TIN matching tools—BILL offers a limited version of this feature—where vendors and contractors are required to sign up in order to provide W-9s.
Yes. Melio allows easy guest checkout and pass-through of credit card fees, simplifying accounts receivable.
