No monthly subscription & free ACH always.

Melio is free to use when you pay with ACH bank transfer or paper check. Want to make or receive a faster payment? There's a small fee attached.

Transaction fees breakdown

Pay

Bank transfer (ACH)

Free

Sending checks (with USPS)

Free

Credit card payment*

2.9% fee

Debit card

2.9% fee

Same-day bank transfer

1%

Expedited check delivery (with FedEx)

$20

International USD transfer

$20

Get paid

Receive bank transfer

Free

Accept credit card payment (2.9% fee to you or payor)

Free

Instant payout (get a same-day bank transfer)

1%

Features

Add unlimited users for free

AP sync with QuickBooks Online

AR sync with QuickBooks Online, QuickBooks Desktop, FreshBooks & Microsoft Dynamics 365 Business Central

Batch payments

Partial payments

Recurring payments

Team management and approval workflows

1099 forms

Timeline (lifecycle tracking)

Send single or recurring invoices

Seamless recipient updates of preferred payment method

Support via email

Live support via chat