Melio Pricing Reviews for 2025

Managing bills and payments shouldn’t be complicated, or expensive. Melio has become one of America’s most trusted payment platforms for small businesses, accountants, and finance teams who want to streamline accounts payable (AP) and accounts receivable (AR) without extra overhead.

In this Melio pricing review, we break down every plan, from the free Go plan to Platinum, covering monthly and annual costs, Melio fees on ACH and credit cards, and all included automation features.

Whether you’re a freelancer, growing SMB, or accounting firm, this guide helps you decide which Melio plan delivers the best value for your workflow.

📌 Quick Summary

🧾 Melio Pricing Overview

Melio offers flexible monthly and annual plans, designed to scale from solo entrepreneurs to multi-entity firms. All tiers include core payment features such as ACH transfers, card payments, AR invoicing, and accounting integrations.

Below is a transparent summary of the Melio payments pricing model:

👥 Who Each Plan Is For

🟩 Go (Free Plan) – Perfect for freelancers or micro-businesses

Melio Go is the entry-level plan with no monthly subscription and the essentials to pay and get paid online. You’ll get 5 free ACH transfers per month, can pay bills by bank, card, or check, and issue invoices or payment links to customers. It’s ideal for individuals or startups testing Melio before upgrading.

🟦 Core Plan – Best for small businesses ready to automate

At $25/month (or $20/month billed annually), Melio Core introduces automation and collaboration. It’s designed for small teams that want structure and compliance—batch payments, W-9 and 1099 automation, accounting sync, and approval workflows keep financial operations tight and efficient.

🟧 Boost Plan – Tailored for accountants and complex teams

Priced at $55/month (or $44/month billed annually), Boost adds QuickBooks Desktop sync, custom approval routing, and vendor credits. It’s great for finance departments, multi-location operations, or accounting firms managing several clients. You’ll also receive priority chat and phone support.

🟨 Unlimited Plan – Built for scaling companies

For $80/month (or $64/month billed annually), Unlimited removes limits entirely. Get unlimited ACH transfers and seats, premium phone support, a dedicated account manager, and white-glove onboarding. It’s Melio’s best value for growing organizations that want complete control and no transaction caps.

🟥 Platinum Plan – Custom for high-volume enterprises

Melio Platinum is an invite-only program for companies processing over $300K in monthly card volume. Pricing is custom, with reduced Melio credit card fees, discounted FX rates, and priority payment processing. Platinum clients receive personal account management and API integration options for enterprise-grade workflows.

🔧 Feature Breakdown by Plan

💵 Melio Fees and Transaction Costs

Melio’s transparent fee structure separates its core plans from optional payment costs. The subscription covers platform features, while transaction-based fees apply only when using certain payment methods or speed options.

💰 Domestic Payment Fees

💳 Melio Credit Card Fees

Credit and debit card payments incur 2.9% per transaction, even when the vendor doesn’t accept cards directly. This flexibility allows businesses to pay vendors by card while vendors receive payments as ACH or check.Additional combinations include:

🌍 Global Payment Fees

🧾 Vendor Payout Fees (Receiving Side)

🪙 Pay Over Time Option

Melio also offers a “Pay Over Time” feature, essentially short-term financing for business bills.

🎁 Free Trial & Discount Information

Melio provides a 30-day free trial for new users, granting unlimited ACH transfers and access to premium features across any plan. No credit card is required to start. Once the trial expires, accounts automatically revert to the free Go plan unless upgraded manually.

During the trial, you can test full functionality, batch payments, AR invoicing, and advanced workflows, without limitations. This hands-on period helps businesses decide which tier suits their needs best.

For ongoing savings, annual subscriptions offer 20% discounts across Core, Boost, and Unlimited plans, effectively giving users more value for less. For example:

Discounts also apply for multi-user setups: each additional seat on Core or Boost costs $8 per month when billed annually (vs $10 monthly).

Enterprise users under Melio Platinum enjoy custom transaction discounts, lower FX fees, reduced card processing percentages, and priority settlement times. These are negotiated directly with Melio’s team based on monthly volume.

🧠 Recommendation Box

Unlimited Plan – Ideal for growing teams that need unlimited transactions and users. The flat $80 (or $64 annually) price delivers predictable costs with premium support.

Boost Plan – Its QuickBooks Desktop sync, advanced approval routing, and vendor credits make it the most capable for professional accounting workflows.

Go (Free Plan) – Start free, automate basic payments, and create invoices with zero risk. Perfect entry point for freelancers or new businesses.

Platinum – Custom pricing, FX discounts, and API access make it suitable for high-volume operations exceeding $300K in monthly card payments.

🧾 Additional Highlights

🔄 Accounts Payable (AP) Features

Melio simplifies AP with AI-powered bill capture, batch scheduling, and auto-sync with accounting tools. Businesses can automate recurring bills, manage approvals, and pay via ACH, check, or card, all from one dashboard.

💸 Accounts Receivable (AR) Features

Every plan includes AR tools at no extra cost. Create branded invoices, send shareable payment links, track payments in real time, and receive funds instantly. Businesses can also shift processing fees to customers when accepting cards.

🌍 Global Payments

Send payments to vendors worldwide in their local currency, benefiting from competitive exchange rates. Available in select currencies with clear conversion fees.

📱 Mobile Access

Melio’s mobile app lets you pay, approve, and track transactions from anywhere. Notifications keep users informed about pending or completed payments in real time.

🧮 Accountant-Friendly Tools

For accountants, Melio provides multi-client dashboards, workflow approvals, and white-label options via Melio for Accountants, helping firms streamline client payments without juggling multiple tools.

📝 Final Takeaway

When it comes to managing business payments, Melio’s pricing is impressively fair and transparent. The free Go plan makes it accessible to any business, while Core and Boost add automation and compliance features essential for scaling operations. The Unlimited plan stands out as the best long-term value, removing caps on users and ACH transfers for a predictable flat rate.

For teams handling larger payment volumes or international transactions, Melio Platinum delivers a tailored experience with discounted Melio fees, lower Melio credit card fee rates, and enterprise-level support.

Overall, Melio payments pricing gives small businesses the flexibility to grow at their own pace, pay and get paid your way, with total cash-flow control.

💬 The Tekpon Takeaway

Melio stands out as a reliable, easy-to-use payments tool that gives small businesses big capabilities without the big price tag. The free plan and affordable tiers make it one of the most cost-effective ways to manage bills and invoices, while the automation and accounting syncs save real time every month.

It’s not perfect. Some users report slower deposits or support delays. But overall, Melio delivers strong value for what you pay.

For most SMBs, it hits that rare balance of simplicity, flexibility, and transparency.