Melio

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

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

Sample stack cost at named team sizes

Melio monthly cost projection by team size, based on public per-seat pricing.
Tier	10 seats / month	25 seats / month	50 seats / month
Go	$0	$0	$0
Core	$20	$20	$20
Boost	$44	$44	$44
Unlimited	$64	$64	$64

Math: per-seat tiers multiplied by seat count. Flat-fee tiers stay constant. Does not include add-ons, support tiers, implementation, or usage overages.

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

BILLTipaltiPlootoRoutable

Sources

Official Melio pricing page

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.