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Melio
Melio is an AI tool for accountants. Business payments platform for accounts payable, receivable and vendor payments with an AI payment assistant. Pricing: freemium, Free plan; paid from $20/month billed annually ($25 monthly) (as of November 2026).
Key facts
- Name
- Melio
- Primary profession
- Accountants
- Category
- Spend & accounts payable
- Pricing
- Freemium: Free plan; paid from $20/month billed annually ($25 monthly)
- Pricing source
- https://www.melio.com/pricing
- Pricing as of
- November 2026
- Last verified
- November 1, 2026
Pricing verified November 1, 2026 against the vendor's official page.
Used by: Accountants
Task hubs: Spend & Accounts Payable for Accountants
What Melio does
Melio pays vendors and contractors by ACH or card with approval workflows, batch payments, 1099 handling and two-way QuickBooks, Xero and NetSuite sync; AI bill capture extracts bill details and the Agent Mel assistant answers questions about bills, payments and vendors.
Melio is a payments layer that sits on top of an accounting system rather than replacing the ledger. Bills arrive by camera, email or manual entry, approvals route by role, and vendors can be paid by card even where cards are not accepted. The newer additions are receivables, 1099 handling and Agent Mel, an assistant for questions about bills and payments.
Bill capture, approvals and payment rails
Described on melio.com's official pages and checked on November 1, 2026. Each point links to the page it came from; this directory has not tested the product. How we choose and verify.
- AI bill capture accepts camera uploads, email sync or manual entry, and the vendor says it extracts the key details instantly. (melio.com, as of November 1, 2026)
- Approval workflows assign roles and permissions, and batch scheduling lets a team collate multiple bills and pay them together. (melio.com, as of November 1, 2026)
- Payment methods include ACH, card, international payments, fast payments and pay-over-time in up to 12 monthly instalments, subject to eligibility. (melio.com, as of November 1, 2026)
- W-9s can be collected from contractors inside Melio, and 1099 data syncs to tax1099.com for year-end filing. (melio.com, as of November 1, 2026)
- Agent Mel answers questions about bills, payments and vendors, and the vendor describes it as a personal AI payment assistant. (melio.com, as of November 1, 2026)
- Accounts receivable lets a business send invoices, create payment links and receive payments by ACH or card from the same account. (melio.com, as of November 1, 2026)
Accounting sync and receivables
- Two-way sync is listed for QuickBooks Online, QuickBooks Desktop, Xero and NetSuite, including syncing QuickBooks credits for use in Melio. (melio.com, as of November 1, 2026)
- Other named connections are Meta, Amazon Business, a B2B payouts API and embedded payment partnerships. (melio.com, as of November 1, 2026)
Where Melio runs
- Melio has a mobile app for making, tracking and approving payments. (melio.com, as of November 1, 2026)
Best for
Small and mid-sized businesses that want free-to-start AP payments without a full procure-to-pay suite.
- Pay vendors by ACH or card
- Capture bills and route approvals
Melio is catalogued for Accountants under spend and accounts payable and appears in the Spend & Accounts Payable for Accountants hub. It is the lightest AP layer in that group: compare Tipalti for large international supplier bases, BILL Spend & Expense for approval-centric bill pay, and Ramp for card-first spend control. The AI assistant is not included on the free plan, so check which tier your team needs.
Pricing
Freemium: Free plan; paid from $20/month billed annually ($25 monthly)
Plans seen: Go (free, one user, 5 ACH/month), Core ($25/month, $20/month billed annually, 20 ACH/month), Boost ($55, $44 annual, 50 ACH/month), Unlimited ($80, $64 annual), Platinum (custom). Paid plans start with a 90-day $0 period; $0.50 per ACH after included volume.
Pricing as of November 2026; last verified November 1, 2026. Source: https://www.melio.com/pricing. How we check pricing.
Related alternatives
Editorial matches from this directory's catalog based on shared tasks, categories and professions; pricing comes from each vendor's public page as of November 2026; tools were not hands-on tested. How we choose and verify.
| Alternative | Best for | Pricing |
|---|---|---|
| Jobber | Cleaning, HVAC, landscaping, plumbing and other home-service businesses. | Paid: From $29/month (Core, billed annually); $49/month month-to-month |
| QuickBooks Online | Small businesses that need full double-entry accounting and payroll in one platform. | Freemium: Free plan; Simple Start $38/month ($19/month for the first 3 months) |
| BILL Spend & Expense | Finance teams that want employee card spend controlled and auto-coded before it reaches the general ledger. | Freemium: Spend & Expense $0/user/month; BILL AP & AR plans from $49/user/month |
| Dext | Bookkeepers and accountants processing large volumes of receipts and supplier documents. | Paid: See vendor pricing |
| Ramp | Finance teams that want to control spend and automate accounts payable. | Freemium: Free plan; see vendor pricing |
| Tipalti | Mid-market and enterprise finance teams paying many international suppliers who need AP controls and cross-border payouts in one system. | Paid: From $99/month (Accounts Payable); Mass Payments from $249/month |
| Vic.ai | Finance teams processing large volumes of supplier invoices. | Paid: See vendor pricing |
| FreshBooks | Service businesses that need straightforward invoicing and expense tracking. | Paid: From $23/month (Lite plan) |
FAQ
What is Melio used for?
Business payments platform for accounts payable, receivable and vendor payments with an AI payment assistant. Small and mid-sized businesses that want free-to-start AP payments without a full procure-to-pay suite.
How much does Melio cost?
As of November 2026, Melio pricing is listed as freemium: Free plan; paid from $20/month billed annually ($25 monthly). Plans seen: Go (free, one user, 5 ACH/month), Core ($25/month, $20/month billed annually, 20 ACH/month), Boost ($55, $44 annual, 50 ACH/month), Unlimited ($80, $64 annual), Platinum (custom). Paid plans start with a 90-day $0 period; $0.50 per ACH after included volume.
What are alternatives to Melio?
Related alternatives to Melio in this directory include Jobber, QuickBooks Online, BILL Spend & Expense, Dext, Ramp, Tipalti, Vic.ai, FreshBooks. Each alternative has a best-for summary and its own pricing on its tool page.
Does Melio replace QuickBooks or Xero?
No. Melio is a payments and AP layer that syncs two-way with QuickBooks Online, QuickBooks Desktop, Xero and NetSuite; the accounting ledger remains the system of record.
Source: melio.com, as of November 1, 2026.
Last updated 2026-11-01. Melio is a trademark of its owner; this site is independent and not affiliated.