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