Melio Pricing, Plans & Alternatives (2026)

Overview

Melio is a US bill-payment platform for small businesses that integrates accounting and payments, offering simple accounts payable workflows to small firms and their accountants^[13]. Xero completed its acquisition of Melio for US$2.5 billion on 15 October 2025, with additional contingent payments of up to US$500 million to Melio employees over three years^[13].

Melio lets businesses pay vendors and contractors by ACH, wire or cheque, pay any bill by card, and pay internationally in US dollars or local currencies^[6]. It includes AI bill capture, a dedicated bills inbox, batch payments, custom approval workflows, an AI assistant and sync with QuickBooks Online, Xero and NetSuite^[6].

The free plan, limited to one user, includes five free ACH payments a month. Core costs US$25 a month (US$20 annually) with 20 free ACH payments, Boost US$55 (US$44 annually) with 50, and Unlimited US$80 (US$64 annually) with unlimited free ACH and users; after free payments are used, each ACH costs US$0.50^[6]. Melio’s plans included a six-month free Xero subscription at review^[6]. It lacks the PO matching and ERP depth of mid-market tools.

Melio features

Free plan for one user
Pay by ACH, wire, cheque or card
International payments in local currency
AI bill capture and bills inbox
Approval workflows and batch payments
QuickBooks, Xero and NetSuite sync

Melio pricing

Free: US$0, 1 user, 5 free ACH/month. Core: US$25/month (US$20 annual), 20 free ACH, +US$10/user (US$8 annual). Boost: US$55/month (US$44 annual), 50 free ACH. Unlimited: US$80/month (US$64 annual), unlimited ACH and users. Extra ACH US$0.50. Paid plans free for first 90 days at review.