Yes. Melio Go has no subscription fees and includes all the main features needed to start paying and getting paid online. Learn more about Melio’s plans here.
Pay and get paid your way.
Start free today.
Get access to 30 days of unlimited free ACH payments, advanced automations, and more—no credit card needed.
Monthly
Annual
Save 20%
Go
Pay vendors and contractors any way you want.
$0
/free forever
Limited to one user
$0
/free forever
Limited to one user
-
5 free ACH/month
ACH payments. After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- 10 free QuickBooks Online syncs
- 10 free Xero syncs
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
Core
Save time with batch actions and accounting sync.
$25
/mo
Plus $10/mo per additional user
$25
/mo
$20
/mo
Plus $8/mo per additional user. Billed annually
-
20 free ACH/month
ACH payments. After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- QuickBooks Online sync
- Xero sync
- Batch payments
- Approval workflows
-
W-9 collection
Contractor W-9 collection & TIN validation.
-
1099 automation
Sync with Tax1099 for easy 1099 e-filing.
- Dedicated bills inbox
- Priority chat support
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Boost
Unlock advanced automations, custom controls and approvals.
$55
/mo
Plus $10/mo per additional user
$55
/mo
$44
/mo
Plus $8/mo per additional user. Billed annually
-
50 free ACH/month
ACH payments. After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- QuickBooks Online sync
- Xero sync
- Batch payments
- Approval workflows
-
W-9 collection
Contractor W-9 collection & TIN validation.
-
1099 automation
Sync with Tax1099 for easy 1099 e-filing.
- Dedicated bills inbox
- Priority chat support
- Advanced user roles
-
Apply vendor credits
QuickBooks Online only.
-
Custom approval workflows
Vendor-based and gradual approvals.
- Set classes & locations
- QuickBooks Desktop sync
- Premium phone support
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Unlimited
Best valueUnlimited free ACH payments and unlimited seats.
$80
/mo
Unlimited users
$80
/mo
$64
/mo
Unlimited users.Billed annually
- Unlimited free ACH/month
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- QuickBooks Online sync
- Xero sync
- Batch payments
- Approval workflows
-
W-9 collection
Contractor W-9 collection & TIN validation.
-
1099 automation
Sync with Tax1099 for easy 1099 e-filing.
- Dedicated bills inbox
- Priority chat support
- Advanced user roles
-
Apply vendor credits
QuickBooks Online only.
-
Custom approval workflows
Vendor-based and gradual approvals.
- Set classes & locations
- QuickBooks Desktop sync
- Premium phone support
- Unlimited user seats
- Dedicated account manager
- White-glove onboarding
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Platinum
Preferred pricing and terms for high-volume businesses. Learn more
Custom pricing
Custom pricing
Compare plans:
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Bill management
Manually enter a bill
Upload bills from anywhere
Scan bills
Dedicated bills inbox
Auto-capture advanced bill line items
Additional bill attributes: Classes and locations
Integrations
QuickBooks Online
Limited to 10 syncs
Xero
Limited to 10 syncs
QuickBooks Desktop
Payment options and capabilities
Pay by ACH bank transfers
Free ACH payments/month
5
20
50
Unlimited
Pay by card
Send paper checks
Wire transfer
Same-day bank transfer
Instant transfers
Fast check
Same-day wire
Overnight check
Pay over time
Apply vendor credits (QuickBooks Online only)
International payments in U.S. dollars
International payments in foreign currencies
Fast international payments in USD and foreign currencies
Recurring payments
Partial payments
Batch schedule multiple bills
Combine bills into one payment
Updated payment status
Workflows for teams
Multiple users
$10/mo per user
$10/mo per user
Unlimited
User roles (Viewer, Approver, Owner, Admin, Contributor, Accountant)
Add an external accountant
Per amount approval
Per scheduler approval (role/user)
Per vendor approval
Multiple approvals
Gradual approval
Approve multiple bills at once
Customer support
Live chat support
Dedicated email support
Priority support
Premium phone support
Dedicated account manager
Vendor management
Get vendor payment details
W-9 collection
Auto 1099 sync
Accounts receivable
Create and share payment requests
Accept card payments
Create and share personalized payment links
Real-time fulfillment tracking
Get paid by bank transfers
Batch upload multiple invoices
All transaction fees:
When a business pays with Melio
Payment method
Receiving method
Fee
Payment method
Bank account
Receiving method
ACH bank transfer
Check
Fast check
Overnight check1
Instant bank transfer2
Same-day ACH transfer3
Wire transfer
Same-day wire transfer4
Fee
$0.50
$1.5
$20
$50
1% ($75 max)
1% ($75 max)
$10
1% ($75 max)
Payment method
Credit/debit card
Have a high credit line? Apply for special rates.
Receiving method
Same-day ACH transfer
Check
Fast check
Overnight check
Instant bank transfer
Same-day wire transfer
Fee
2.9%
2.9%
2.9% + $20
2.9% + $50
2.9% +1% ($75 max)
2.9% + $10
Payment method
Global payments by ACH
Receiving method
USD
Fast USD
Local currency
Fee
$20 Flat fee
1% ($30 min, $95 max)
Conversion rates apply
Payment method
Global payments by card
Only Visa and Mastercard are available.
Receiving method
USD
Fast USD
Local currency
Fee
2.9% + $20
2.9% + $30
2.9% + Conversion rates
Payment method
Pay over time5
Bank account only
Receiving method
Bank transfer or check
Fee
Starting at 2.9%
When you initiate a payment via payment request or payment link on Get Paid
Payment method
Receiving method
Fee
Payment method
Bank account
Receiving method
ACH bank transfer
Fee
FREE
Payment method
Credit card
Receiving method
ACH bank transfer
Fee
2.9%
Fee can be covered by either you or your customers
When the vendor chooses the payout method
Payment method
Receiving method
Fee
Receiving method
Instant payment to debit card
Fee
1%
Receiving method
Instant payment to bank account
Fee
1%
Receiving method
Same-day ACH transfer
Fee
1%
Receiving method
Single-use virtual card
Fee
$0
You only pay your regular POS processing fees
We’re proud of our customers’ success.
Proof Wine & Spirits
“Melio allows me to have more control over my finances which is a big deal.” Sarah Hauser, Owner
Patriot Welding Supply
“The amount of time that Melio saves me is invaluable. It gives me more time to spend with the customers.” Jenny Hernandez, Co-founder
De Maison East
“In an ideal world, there would be no checks. All we would do is just get payments through Melio." André Tamers, Founder
1
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FAQ
If you haven’t subscribed to a paid plan by the end of your 30-day period, your account will be automatically converted to the limited free Go plan.
If you choose to stick with the free Go plan at the end of your 30-day trial, you will lose access to premium features, and any data from those premium features will be deleted.
Yes. All Melio plans include the AR tools SMBs need to get paid quickly and easily:
- Create and send professional invoices
- Track payments in real time, on desktop or mobile
- Sync seamlessly with your accounting software
- Get paid digitally by card or bank – including a shareable payment link and the ability to defer fees
Melio offers five flexible plans designed to fit different business needs. The best one for you depends on your team size, workflows, and payment volume:
Go (Free plan): Best if you want simple, flexible tools to pay and get paid with no monthly subscription fees.
You’ll get 5 free ACH payments per month, credit card payments (even when vendors don’t accept cards), invoice creation, payment link generation, and up to 10 QuickBooks/Xero syncs. Perfect for keeping things light and cash-flow friendly.
Core: Best for businesses ready to scale their workflows.
Core gives you the structure and automation to keep finance operations running smoothly. With unlimited QuickBooks Online/Xero sync, approval workflows, and batch payments, it’s built for teams that need to move faster and stay compliant.
You’ll also get 20 free ACH payments each month, tools to manage W-9s and 1099s for subcontractors, branded invoice creation for getting paid, and the ability to add team members with customized roles and permissions.
Boost: Best for larger or more complex finance teams, including accounting firms.
Boost is built for businesses handling more complexity—more people, more rules, and higher payment volumes. It connects with QuickBooks Desktop, offers advanced approval routing based on vendor, amount, or user, and lets you track expenses by class or location.
With 50 free ACH payments each month and priority support (including phone callbacks), Boost keeps your team organized and fully in control as you scale.
Unlimited: Best for businesses that need maximum flexibility.
Unlimited gives you complete freedom to grow without limits. You’ll get unlimited ACH transfers, unlimited users at no extra cost, and advanced roles and permissions to manage access across your team.
It also includes premium support and dedicated onboarding to help you hit the ground running as your operations expand.
Platinum (Invite-only): Best for high-volume businesses processing over $300K/month in credit card payments in need of a tailored solution. Platinum offers custom transaction pricing, card-to-wire transfer options, API access, and enterprise-level integrations.
Apply for Melio’s Platinum plan here.
Learn more about various Melio’s plans here.
Learn more about various Melio’s solutions for accountants here.
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