Melio Pricing Overview

Free Trial

Melio Go

Free

Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.

Melio Core

$25.00

Per Month

Melio Core is a more feature-rich version of Melio Go, recommended for businesses that need greater control and efficiency with automated workflows and 2-way sync.

Melio Boost

$55.00

Per Month

Melio Boost provides access to priority support, faster payment options, and advanced controls.

Melio Unlimited

$80.00

Per Month

Melio Unlimited gives your business room to grow with unlimited ACH payments and user seats for one monthly or annual fee.

Pay vendors by bank transfer - Free ACH based on the subscription tier.
Pay by credit card: 2.9%

Melio has 4 pricing editions, from $0 to $80. A free trial of Melio is also available. Look at different pricing editions below and see what edition and features meet your budget and needs.

Pricing information for Melio is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations to purchase Melio must be conducted with the seller.

Pricing information was last updated on September 30, 2025

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Melio Pricing Reviews

(2)

Cassandra E.

Small-Business (50 or fewer emp.)

2/2/2022

"Highly recommend"

5/5

What do you like best about Melio?

One thing I really appreciate about Melio is that ACH payments are completely free — it’s a rare and valuable feature for small businesses trying to manage cash flow. Recently, I’ve also noticed that the dashboard is more intuitive, and scheduling payments feels even smoother. It’s clear they’re continuously improving the user experience. Review collected by and hosted on G2.com.

What do you dislike about Melio?

While I really value Melio’s features, one limitation is that it’s restricted to business accounts only. It would be helpful to have more flexibility for freelancers or sole proprietors who might not have a formal business bank account but still need simple payment tools. Expanding access could make it even more inclusive and versatile. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

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Hi Cassandra,

Thank you so much for your thoughtful and detailed review! We're happy to hear that you're finding value in our product and that the recent dashboard improvements have enhanced your experience.

We also appreciate your sharing your perspective on account requirements. We understand how expanded access could benefit freelancers and sole proprietors, and we’ve shared this with our product team as we continue exploring ways to make Melio even more inclusive and flexible.

Thanks again for being a part of the Melio community!

All the best,

Team Melio

Stephen J.

Owner & President

Leisure, Travel & Tourism

Small-Business (50 or fewer emp.)

12/2/2024

"Everything was great until they increased the monthly cost but didn't improve the service"

0/5

What do you like best about Melio?

Melio simplifies the process of collecting payment details from employees or contractors and enables quick, hassle-free payments—provided you're on a paid monthly plan. While these services were once free, Melio has introduced costly monthly subscription options, making it less accessible for smaller businesses. It's worth noting that Melio already profits from the float on your transactions but now charges an additional monthly fee for the same convenience. Review collected by and hosted on G2.com.

What do you dislike about Melio?

Nearly all of Melio's features are now locked behind an expensive paywall. For years, my company relied on Melio to seamlessly process payments for our 1099 contractors, with no issues. The platform previously earned revenue from the float—the interest accrued between debiting funds from our account and crediting them to contractors. However, Melio now requires a costly monthly subscription for most services, leaving only single payment processing available without a fee. What was once an indispensable tool for our business has become prohibitively expensive. Review collected by and hosted on G2.com.

What problems is Melio solving and how is that benefiting you?

Melio provides a streamlined way to manage contractor payments by collecting payment details and processing transactions electronically. This eliminates the need for paper checks and manual tracking, saving time and reducing errors. However, while the service is convenient, the introduction of expensive monthly fees has diminished its overall value, especially for small businesses that previously relied on its free features. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

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Hi Stephen,

Thank you for sharing your feedback, and we genuinely appreciate your honesty. We completely understand how frustrating it can be when a tool you’ve relied on for years changes its pricing model.

Melio is dedicated to supporting small businesses, and we recognize that as businesses grow, their needs evolve, which can sometimes come with additional costs. That’s why we’ve introduced subscription plans designed to meet those changing demands, with features like international payments, automated workflows, and faster transactions to save you time and help you scale.

However, we understand if the new pricing doesn’t align with your current needs, especially if you’re used to the free service. Please remember that our Go plan is still available at no cost and allows you to process single payments without a fee.

If the free plan doesn’t fully meet your needs, or if there’s anything else we can do to improve your experience, we’d love to hear from you. Please don’t hesitate to reach out to us at reviews@melio.com.

All the best,

Team Melio