Pleo vs Melio pricing: which is cheaper for your team?
Pleo's cheapest paid tier (Starter) lists at $9.5/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
Pleo pricing tiers
| Tier | Monthly | Annual (eq) | Unit | Notes |
|---|---|---|---|---|
| Starter | $9.5 | $9.5 | month | Up to 3 users, GBP pricing, basic cards and expense tracking |
| Essential | $45 | $39 | month | 3 users included, GBP, AP and reimbursements |
| Advanced | $109 | $99 | month | 0.5% cashback, multi-entity, GBP |
| Beyond | $219 | $199 | month | 0.75% cashback, AI expense review, GBP |
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 |
Feature by feature
The non-pricing differences that drive the real decision.
| Capability | Pleo | Melio |
|---|---|---|
| Billing model | month | month |
| Pricing model | Tiered per-month with included users | Tiered AP with per-payment fees |
| Cheapest paid tier | Starter at $9.5/month | Core at $20/month |
| Mid-tier benchmark | Advanced at $99/month | Boost at $44/month |
| Total paid tiers published | 4 | 3 |
| 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) | Pleo Starter |
| Most pricing tiers (room to grow) | Pleo (4 tiers) |
| Predictable per-seat billing | Neither (both flat/usage) |
| Most recently verified pricing | Pleo |
Choose Pleo when
- European spend management platform with company cards, expense automation, and tiered monthly pricing with optional add-ons.
- Entry tier (Starter) at $9.5/month is your budget ceiling.
- Beyond tier adds dedicated success management and 10 sub-accounts for larger finance teams.
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.
Switching considerations
Watch the hidden fees on both sides. Pleo: ATM withdrawals £5 on Starter, free on higher tiers Melio: ACH standard $0.50 per payment Always confirm with the vendor before purchase.
Frequently asked questions
Which is cheaper for a 10-person team, Pleo or Melio?
At entry tier and 10 seats on annual billing: Pleo Starter comes to $10/mo; Melio Core comes to $20/mo. Pleo is the cheaper entry-tier choice at this team size.
Does Pleo have more pricing tiers than Melio?
Pleo publishes more paid tiers (4 vs 3). More tiers usually means more granular ways to grow without re-platforming.
Which pricing was verified more recently?
Pleo's pricing was last verified 2026-05-17; Melio's on 2026-05-17. Both pages link to the vendor's official pricing source so you can re-check before committing.