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Paid plans start at $20/mo. There's also a free plan.
Melio has a free Go plan, while paid plans start at $20 per month with annual billing or $25 month to month, according to the pricing page checked November 6, 2026. Go includes five free ACH payments monthly; Core and Boost include 20 and 50. Payments beyond those allowances cost $0.50 each. Card, check, wire and international payments can carry separate fees, so the plan price is not the whole bill.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Go | $0 | $0 | Paying and getting paid with a small team |
| Core | $20 | $25 | Businesses scaling finance workflows |
| Boost | $44 | $55 | Larger or more complex finance teams |
| Unlimited | $64 | $80 | Teams needing unlimited ACH and seats |
| Platinum | — | Quote | High-volume businesses processing over $300K monthly |
Add-ons and overages
- Extra ACH payments: $0.50 each after the plan’s monthly free allowance; Go, Core and Boost allowances are 5, 20 and 50.
- Core and Boost additional users: $10/month each, or $8/month each billed annually.
- Bank-funded payment fees vary by payout: $0.50 for ACH, $1.50 for check, $20 for fast check, $50 for overnight check, $10 for wire, and 1% (up to $75) for instant bank, same-day ACH or same-day wire transfers (same-day wire has a $10 minimum).
- Card-funded payment fees: 2.9% for same-day ACH or check; 2.9% plus $20 for fast check, $50 for overnight check, or $10 for same-day wire; instant bank transfer adds 1% (up to $75).
- Pay-over-time fee starts at 2.9%; global ACH costs $20 for USD or 1% (minimum $30, maximum $95) for fast USD; global card costs 2.9% plus $20 for USD or $30 for fast USD.
- Payment-link bank payments are free; card payments cost 2.9%. Vendor-selected instant payouts and same-day ACH cost 1%. Conversion rates apply to local-currency payments.
02What the plan grid doesn't tell you
ACH over the monthly cap
Go includes 5 free ACH payments monthly, Core 20 and Boost 50. Each additional ACH payment costs $0.50.
Payment method fees
Bank-funded fees vary by payout, from $0.50 for ACH to $50 for overnight check. Card-funded payments can add 2.9% plus a payout fee.
Extra team members
Core and Boost include additional users for $10/month each, or $8/month each with annual billing. Go is limited to one user.
International and faster payments
Global ACH costs $20 for USD or 1% for fast USD, with a $30 minimum and $95 maximum. Currency conversion rates apply to local-currency payments.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Small teams with light bill pay | Go | It costs $0 and includes five free ACH payments monthly, one user, free invoicing and up to 10 QuickBooks/Xero syncs. |
| Growing finance workflows | Core | It adds 20 free ACH payments monthly, QuickBooks Online and Xero sync, batch payments and custom approval workflows. |
| Teams needing unlimited seats and ACH | Unlimited | It includes unlimited users and ACH payments, plus NetSuite sync and premium phone support. |
04Is Melio worth the money?
Melio’s free plan makes it possible to start without a subscription, and the paid tiers spell out ACH allowances and workflow features. The catch is that plan pricing does not cover every payment cost: payout method, card funding, international transfers and extra users can add fees. We’d compare expected payment volume and payment methods against the included allowance before choosing a tier. The pricing page lists the costs, but payment reliability reports call for caution; the available material does not provide details to quantify that risk.
Melio pricing FAQ
How does Melio work?
Melio lets businesses pay bills by bank transfer or card, including to vendors that do not accept cards. It also supports international payments, bill capture and approval workflows, accounting sync, invoicing and payment links. The pricing page lists plan limits and separate fees for some payment methods.
Is Melio trusted?
The pricing information alone cannot establish whether Melio is right for every business. Our review verdict flags payment reliability reports as a reason for caution, but the available published material does not detail those reports. Check current user feedback and payment terms before relying on it for time-sensitive bills.
How long do Melio payments take?
The published pricing information does not publish standard delivery times. It lists options such as fast or overnight checks, same-day transfers and priority processing, but those labels do not specify exact arrival windows. Confirm the timing and fee for the payout method you plan to use.
Is Melio free to use?
Melio’s Go plan costs $0 and includes one user, five free ACH payments per month, free accounts receivable and invoicing, and up to 10 QuickBooks/Xero syncs. Extra ACH payments cost $0.50 each, and other payment methods may have fees. Paid plans start at $20 monthly with annual billing.