Melio vs Routable pricing: which is cheaper for your team?
Melio's cheapest paid tier (Core) lists at $20/month, which beats the other on entry pricing. Mid-tier and enterprise math can flip the answer — use the per-tier table below to see the real cost for your team size at each tier.
Calculate the cost for your team
Melio pricing tiers
| Tier | Monthly | Annual (eq) | Unit | Notes |
|---|---|---|---|---|
| Go | $0 | $0 | month | Free, 1 user, basic ACH payments |
| Core | $25 | $20 | month | 1 user included, $10/month per added user |
| Boost | $55 | $44 | month | Complex finance team workflows |
| Unlimited | $80 | $64 | month | Unlimited users and approvals |
Routable pricing tiers
| Tier | Monthly | Annual (eq) | Unit | Notes |
|---|---|---|---|---|
| Growth | $1250 | $1000 | month | Unlimited seats, ERP sync, domestic and international payments |
| Scale | $2000 | $1600 | month | Custom; adds advanced controls and trainable OCR |
Feature by feature
The non-pricing differences that drive the real decision.
| Capability | Melio | Routable |
|---|---|---|
| Billing model | month | month |
| Pricing model | Tiered AP with per-payment fees | Flat platform fee plus add-ons |
| Cheapest paid tier | Core at $20/month | Growth at $1000/month |
| Mid-tier benchmark | Boost at $44/month | Scale at $1600/month |
| Total paid tiers published | 3 | 2 |
| Last verified | 2026-05-17 | 2026-05-17 |
Best for…
Hand-picked use cases mapped to the winner.
| Use case | Winner |
|---|---|
| Lowest entry price (10-person team) | Melio Core |
| Most pricing tiers (room to grow) | Melio (3 tiers) |
| Predictable per-seat billing | Neither (both flat/usage) |
| Most recently verified pricing | Melio |
Choose Melio when
- Small business bill pay platform with a free tier and paid plans for higher transaction volume and team workflows.
- Entry tier (Core) at $20/month is your budget ceiling.
- Platinum tier is invite-only for high-volume businesses with custom pricing.
Choose Routable when
- Mid-market AP automation with a flat monthly platform fee, unlimited user seats, and add-ons for OCR and advanced approvals.
- Entry tier (Growth) at $1000/month is your budget ceiling.
- Enterprise tier built for high-volume mass payments and embedded API use cases.
Switching considerations
Watch the hidden fees on both sides. Melio: ACH standard $0.50 per payment Routable: Add-on fees for advanced approval workflows Always confirm with the vendor before purchase.
Frequently asked questions
Which is cheaper for a 10-person team, Melio or Routable?
At entry tier and 10 seats on annual billing: Melio Core comes to $20/mo; Routable Growth comes to $1000/mo. Melio is the cheaper entry-tier choice at this team size.
Does Melio have more pricing tiers than Routable?
Melio publishes more paid tiers (3 vs 2). More tiers usually means more granular ways to grow without re-platforming.
Which pricing was verified more recently?
Melio's pricing was last verified 2026-05-17; Routable's on 2026-05-17. Both pages link to the vendor's official pricing source so you can re-check before committing.