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Compare Melio and Ottimate 
Featured Products
At a Glance
Market Segments
Small-Business (94.2% of reviews)
Mid-Market (58.7% of reviews)
Entry-Level Pricing
Free
No pricing available
Melio
Star Rating
(245)4.5 out of 5
Market Segments
Small-Business (94.2% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 4 pricing plansOttimate
Star Rating
(157)4.5 out of 5
Market Segments
Mid-Market (58.7% of reviews)
Pros & Cons
Entry-Level Pricing
No pricing available
Learn more about OttimateMelio vs Ottimate
When assessing the two solutions, reviewers found Melio easier to use and set up. However, Ottimate is easier to administer. Reviewers also preferred doing business with Ottimate overall.
- Reviewers felt that Ottimate meets the needs of their business better than Melio.
- When comparing quality of ongoing product support, reviewers felt that Ottimate is the preferred option.
- For feature updates and roadmaps, our reviewers preferred the direction of Ottimate over Melio.
Pricing
Entry-Level Pricing
Melio
Melio Go
Free
Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.
- 5 free ACH transfers per month
- 10 free syncs with QuickBooks Online & Xero
- Pay by card or bank—vendor receives check, ACH, or wire transfers
Ottimate
No pricing availableFree Trial
Melio
Free Trial is available
Ottimate
No trial information availableRatings
Meets Requirements
8.7
201
9.1
124
Ease of Use
9.2
203
9.1
124
Ease of Setup
9.0
150
8.7
79
Ease of Admin
9.0
101
9.1
61
Quality of Support
8.3
178
9.0
115
Has the product been a good partner in doing business?
8.9
101
9.2
60
Product Direction (% positive)
8.4
184
9.0
117
Features by Category
Payment Methods
9.3
7
Not enough data
9.3
7
Not enough data
9.8
7
Not enough data
Payment Processing
8.1
7
Not enough data
9.3
7
Not enough data
8.3
7
Not enough data
8.6
7
Not enough data
8.1
7
Not enough data
8.6
7
Not enough data
9.3
7
Not enough data
Security and Compliance
7.6
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
8.1
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
Integration
7.9
7
Not enough data
7.6
7
Not enough data
7.9
7
Not enough data
Payment Types
9.4
6
Not enough data
7.5
6
Not enough data
7.2
6
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Administration
Not enough data
8.7
31
Not enough data
7.4
18
Not enough data
7.9
18
Not enough data
8.1
18
Analytics
Not enough data
8.5
32
Not enough data
7.8
24
Not enough data
8.3
23
Not enough data
8.0
21
Invoice Management
8.5
41
8.7
61
7.5
37
8.0
48
7.7
37
8.7
54
Invoice Processing
7.8
40
8.4
55
9.1
46
8.2
44
8.5
41
8.7
52
7.3
31
7.7
43
Analytics
8.7
41
8.2
52
Feature Not Available
7.7
38
Feature Not Available
7.7
39
Integration
9.1
43
8.9
57
8.7
43
8.6
42
Feature Not Available
8.2
40
Risk
8.0
35
8.2
44
7.6
34
8.2
47
7.4
31
7.8
40
Recovery
7.8
28
7.5
37
8.0
33
7.6
38
Audit
6.8
30
8.2
43
7.0
28
7.8
38
6.7
30
7.9
43
6.9
32
8.8
59
Fraud
7.5
31
7.8
39
7.6
29
7.9
40
7.8
27
7.8
40
Agentic AI - AP Automation
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Invoice Generation
8.7
47
7.8
68
9.2
54
8.3
82
8.5
48
7.7
71
Invoice Processing
8.9
50
8.9
87
8.6
50
8.6
87
8.6
46
8.3
80
8.9
52
8.3
81
Analytics
9.0
59
8.4
76
8.4
48
7.7
56
8.0
44
7.5
58
9.0
56
8.2
65
Integration
8.7
55
8.7
83
8.7
55
8.6
66
8.1
42
8.3
62
8.8
49
8.1
69
Agentic AI - Invoice Management
7.4
7
Not enough data
7.6
7
Not enough data
7.1
7
Not enough data
Payment Processing
9.0
98
8.5
34
8.8
99
7.5
29
Feature Not Available
6.9
27
Feature Not Available
6.7
26
Administration
Feature Not Available
8.8
36
Feature Not Available
8.0
27
8.2
107
8.3
30
Feature Not Available
8.0
27
8.5
83
7.4
28
8.2
78
6.9
24
8.0
71
6.8
23
Payment Options
Feature Not Available
7.1
22
8.9
114
8.1
27
Security
Feature Not Available
7.4
26
Platform
8.7
103
8.9
38
8.1
72
7.9
26
Platform Basics
8.7
43
Not enough data
8.6
42
Not enough data
Platform Administration
7.4
41
Not enough data
7.4
41
Not enough data
7.8
43
Not enough data
Platform Payment Content
7.8
41
Not enough data
7.8
41
Not enough data
6.9
38
Not enough data
Reporting
9.0
34
Not enough data
7.9
31
Not enough data
8.5
35
Not enough data
Integrations
8.7
35
Not enough data
8.1
31
Not enough data
8.2
32
Not enough data
Transactions
8.1
32
Not enough data
9.2
35
Not enough data
8.9
36
Not enough data
Workflows
8.8
32
Not enough data
8.7
33
Not enough data
Agentic AI - Accounts Receivable Automation
Not enough data
Not enough data
AI - Accounts Receivable
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Melio and Ottimate are categorized as AP Automation, Payment Processing, and Invoice Management
Reviews
Reviewers' Company Size
Melio
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Ottimate
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
23.8%
Marketing and Advertising
9.2%
Retail
5.0%
Real Estate
4.2%
Consulting
3.8%
Other
54.2%
Hospitality
29.0%
Restaurants
27.7%
Food & Beverages
13.5%
Accounting
11.6%
Retail
4.5%
Other
13.5%
Discussions
Is Melio service legit?
4 Comments
SB
Yes, it's fantastic.Read more
What is Melio service?
2 Comments
BC
Melio is an ACH solution that allows you to send and receive payments without any fees. Read more
What is Melio app?
2 Comments
OM
Melio App allows me to conveniently and quickly pay my contractors via ACH. Read more
What is the fastest way to upload?
3 Comments
JN
Forwarding an email is the fastest way. I would contact your vendors and ask them to directly email invoices to your personalized Plate IQ email.Read more
Ottimate has no more discussions with answers
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