SaaS True Cost Open calculator

Melio pricing: tiers, seat costs, and hidden fees

Short answer

Small business bill pay platform with a free tier and paid plans for higher transaction volume and team workflows.

Last verified: 2026-05-17 Model: month Official pricing

Public pricing tiers

TierMonthlyAnnual monthly equivalentNotes
Go $0 month $0 month Free, 1 user, basic ACH payments
Core $25 month $20 month 1 user included, $10/month per added user
Boost $55 month $44 month Complex finance team workflows
Unlimited $80 month $64 month Unlimited users and approvals

Melio cost calculator

$20 / month

For 10 seats on Core, current public pricing implies $20 per month when annual pricing is available, or $25 month-to-month.

Hidden fees and quote risks

  • ACH standard $0.50 per payment
  • Same-day ACH 1% capped at $75
  • Credit/debit card payments 2.9%
  • International ACH $20 flat or 1%

Enterprise notes

Platinum tier is invite-only for high-volume businesses with custom pricing.

Closest alternatives

Other accounts payable tools buyers shortlist when they compare Melio.

Sources

Pricing changes frequently. Confirm directly with the vendor before purchase.

Frequently asked questions

How much does Melio cost?

Melio pricing depends on its Tiered AP with per-payment fees. The page lists public tiers and flags custom or usage-based items that require vendor confirmation.

What is the main hidden fee risk for Melio?

ACH standard $0.50 per payment

Which Melio alternatives should buyers compare?

BILL, Tipalti, Plooto, Routable are the closest alternatives most procurement teams compare against Melio.