Melio Pricing Overview

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Free Trial

Melio Pricing Key Insights

Last updated on Apr 30, 2026

Melio offers 4 pricing editions, starting from $0 to $80. Melio pricing tiers are designed to support different usage levels and team sizes. Melio also offers a free trial. Compare the Melio pricing table below to figure out the best fit for your needs. Some plans may require you to contact Xero for custom pricing.

Melio Go — $0
Melio Core — $25 / Per Month
Melio Boost — $55 / Per Month
Melio Unlimited — $80 / Per Month
Rated 4.4 / 5

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

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.

Melio Pricing FAQs

Generated using AI
Is Melio free, or does it offer a free trial?

Yes. According to G2 data, Melio offers a free plan with limited features. Users can upgrade to paid plans for additional capabilities. Visit the seller's official pricing page to compare plan options and features.

How much does Melio cost in 2026?

According to G2 data, Melio pricing in 2026 starts at $25.00 and can reach $80.00 depending on the selected plan. Pricing may vary based on billing terms or usage, so users should review the Xero's official pricing page for the most current details.

Who is Melio pricing best suited for?

According to G2 reviews, Melio's pricing is best suited for small businesses with 50 or fewer employees, which represent the overwhelming majority of reviewers. The free Melio Go tier draws strong praise from solopreneurs, freelancers, and micro-businesses in accounting, marketing, legal services, and consulting who need occasional ACH payments without fees. Melio Core suits small businesses requiring approval workflows, batch payments, and deeper QuickBooks integration. G2 reviewers in accounting firms managing multiple clients frequently recommend Melio Core or Melio Boost for the automation and multi-user controls. Mid-market reviewers in construction and IT also appear in G2 data, suggesting Melio Boost or Melio Unlimited fits teams needing higher ACH volume and advanced workflows.

What are the key differences between the free and paid versions of Melio?

Melio's free Melio Go tier includes 5 free ACH transfers monthly, 10 QuickBooks or Xero syncs, and core payment features. G2 reviewers frequently praise this free access, especially for low-volume small businesses. Upgrading to Melio's paid plans unlocks significantly more: Melio Core at $25/month adds 20 free ACH transfers, unlimited two-way sync, batch payments, approval workflows, and 1099 e-filing. Melio Boost at $55/month adds 50 free ACH transfers, 2-day ACH delivery, QuickBooks Desktop sync, and premium support. Melio Unlimited at $80/month removes ACH transfer caps entirely and adds unlimited user seats and a dedicated account manager, suiting higher-volume operations.

Is Melio considered good value for its pricing?

Melio is broadly considered strong value, particularly for small businesses. G2 reviewers frequently highlight free ACH transfers as a standout benefit, with many noting it saves meaningful money compared to alternatives like Bill.com. Multiple G2 users in accounting and marketing explicitly mention saving thousands in processing fees. However, some G2 reviewers express frustration over recent pricing changes, noting features that were previously free now require paid subscriptions. A few reviewers flag customer support responsiveness and occasional payment delays as concerns that temper overall satisfaction. For businesses with moderate ACH volume, Melio's free tier delivers exceptional value, while growing teams find the $25–$80/month paid tiers competitively priced.

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Melio Pricing Reviews

(2)
Cassandra E.
CE
Cassandra E.
C
Small-Business (50 or fewer emp.)
"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

Kaimee M.
KM
Kaimee M.
Owner
Small-Business (50 or fewer emp.)
"Lost ACH Payments and Lack of Resolution"
0/5
What do you like best about Melio?

I do not like Melio at all. I Have nothing good to say. Review collected by and hosted on G2.com.

What do you dislike about Melio?

I began using Melio approximately two months ago. During this period, the company processed four ACH payments on my behalf. However, three of those payments failed to reach my account and remain unaccounted for.

Despite multiple inquiries, Melio representatives have not provided any clear explanation or resolution. I have repeatedly been told that the matter is “under review,” yet no substantive updates have been given. Melio has not clarified whether the funds were deposited into an incorrect account, when or if the missing funds will be recovered, or whether there has been any security breach involving my account.

The company’s lack of transparency, accountability, and effective communication has been extremely concerning. Efforts to obtain assistance through their customer support have been unproductive, as I am consistently redirected to online chat agents—with each interaction beginning anew and no meaningful progress made. Requests for a direct phone discussion have also been declined.

Based on my experience over the past two weeks, it has become evident that Melio’s handling of this issue has been deeply unsatisfactory. I strongly urge any current or prospective users to exercise caution when considering using their services until these systemic issues are addressed. Review collected by and hosted on G2.com.

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