Melio vs Expensify pricing: which is cheaper for your team?
Expensify's cheapest paid tier (Collect) lists at $10/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 |
Expensify pricing tiers
| Tier | Monthly | Annual (eq) | Unit | Notes |
|---|---|---|---|---|
| Collect | $20 | $10 | user/month | Annual price $5/user with Expensify Card; SmartScan receipts |
| Control | $36 | $18 | user/month | Annual price $9/user with Expensify Card; advanced approvals and NetSuite/Sage Intacct sync |
Feature by feature
The non-pricing differences that drive the real decision.
| Capability | Melio | Expensify |
|---|---|---|
| Billing model | month | month |
| Pricing model | Tiered AP with per-payment fees | Per-user expense reporting with card and bill features |
| Cheapest paid tier | Core at $20/month | Collect at $10/user/month |
| Mid-tier benchmark | Boost at $44/month | Control at $18/user/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) | Expensify Collect |
| 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 Expensify when
- Expense reporting and corporate card platform with per-user pricing for receipt scanning, reimbursements, and bill pay.
- Entry tier (Collect) at $10/user/month is your budget ceiling.
- Enterprise contracts negotiate volume discounts; SSO and SAML require Control tier.
Switching considerations
Watch the hidden fees on both sides. Melio: ACH standard $0.50 per payment Expensify: Discounts conditional on adopting Expensify Card spend Always confirm with the vendor before purchase.
Frequently asked questions
Which is cheaper for a 10-person team, Melio or Expensify?
At entry tier and 10 seats on annual billing: Melio Core comes to $20/mo; Expensify Collect comes to $100/mo. Expensify is the cheaper entry-tier choice at this team size.
Does Melio have more pricing tiers than Expensify?
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; Expensify's on 2026-05-17. Both pages link to the vendor's official pricing source so you can re-check before committing.