BILL vs Melio 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
BILL pricing tiers
| Tier | Monthly | Annual (eq) | Unit | Notes |
|---|---|---|---|---|
| Essentials | $49 | $49 | user/month | Basic AP or AR, CSV sync |
| Team | $65 | $65 | user/month | QuickBooks/Xero 2-way sync, custom roles |
| Corporate | $89 | $89 | user/month | Procurement, advanced approvals |
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 | BILL | Melio |
|---|---|---|
| Billing model | month | month |
| Pricing model | Per-user AP/AR with transaction fees | Tiered AP with per-payment fees |
| Cheapest paid tier | Essentials at $49/user/month | Core at $20/month |
| Mid-tier benchmark | Team at $65/user/month | Boost at $44/month |
| Total paid tiers published | 3 | 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) | Melio Core |
| Most pricing tiers (room to grow) | BILL (3 tiers) |
| Predictable per-seat billing | Neither (both flat/usage) |
| Most recently verified pricing | BILL |
Choose BILL when
- Accounts payable and receivable platform priced per user with per-payment fees, plus a free corporate card and spend product.
- Entry tier (Essentials) at $49/user/month is your budget ceiling.
- Enterprise tier requires custom quote; adds multi-entity, premium integrations, and priority support.
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. BILL: ACH payment $0.59 each 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, BILL or Melio?
At entry tier and 10 seats on annual billing: BILL Essentials comes to $490/mo; Melio Core comes to $20/mo. Melio is the cheaper entry-tier choice at this team size.
Does BILL have more pricing tiers than Melio?
Both publish 3 paid tiers. The mid-tier benchmark is Team for BILL and Boost for Melio.
Which pricing was verified more recently?
BILL'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.