Robust payment processing
Melio offers Real-Time Payments (RTP), faster check delivery (5 vs. 12 days), and AP alongside AR tools—unlike Ramp, which lacks instant payments and AR capabilities.
Melio vs. Ramp: Which one is right for you?
Ramp is a reliable corporate credit card solution with basic bill-pay features. Melio, however, is a dedicated, purpose-built AP/AR solution for SMBs and their advisors—delivering the speed, simplicity, and completeness needed to manage payments end-to-end. Last updated: August 2025
Faster. Easier. More robust.
Features
Melio
Ramp
Features
Does not require a branded credit card
Pay by card—even where cards aren’t accepted
Create invoices to get paid
Pay in installments
No deposit requirements
Instant payments
Regular check delivery speed
5 business days
6–12 business days
Live phone support
Mobile bill pay
Collaborate with your accountant
International payments (USD & FX)
The top choice for over 100,000 business owners
Why businesses choose Melio
No minimum balance
Melio has no minimum balance requirements and is open to all businesses. Ramp requires SMB owners to have a minimum bank balance of $25K to unlock certain products and features.
No branded credit card needed
While Ramp requires businesses to use their Ramp corporate card in order to make payments, Melio has no such limitations.
Contractor payment tools
Melio simplifies freelancer and contractor payments with built-in 1099 collection and other useful tax prep tools—which Ramp lacks.
Live customer support
Melio offers live phone and chat support, while Ramp primarily relies on email and chatbots—with some users reporting slower, less personalized responses.
See Melio vs. Ramp 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. Melio is fully accessible without any credit application—unlike Ramp, which requires users to apply for its card to access bill pay.
No. Melio has no minimum balance requirement, while Ramp requires SMBs to have $25K in the bank to unlock spend management.
ACH with Melio takes 3 business days, and checks arrive in 5 days. Ramp can take up to 5 days for ACH and up to 12 days for checks.
Yes—Melio offers RTP. Ramp does not.
