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Productivity & Business · Finance, Billing & Accounting

Melio

Bill pay and invoicing platform for US small businesses, owned by Xero, with a free plan and paid plans from $20 a month billed yearly.

Our take: Melio keeps small business payments simple: add a bill, choose how to pay, and the vendor gets a check or bank transfer.

Best forSmall business bill pay
ReviewedPricing: Freemium
7.8 out of 105 criteria · see breakdown
Try MelioFree; Core $20/mo billed yearly ($25 monthly)

Melio is a bill pay and invoicing platform for US small businesses, owned by Xero since October 2025. The free Go plan covers 1 user and 5 ACH payments a month; paid plans start at $20 a month billed yearly ($25 monthly). Paying a bill by card costs 2.9%.

Melio is owned by Xero

Xero announced a deal to buy Melio in June 2025 and completed it in October 2025. Melio still runs at melio.com with its own plans, and Xero uses Melio's technology for bill payments in Xero in the US. Melio co-founder Matan Bar is CEO of Xero US.

Checked October 4, 2026
The bottom line

A strong low-cost bill pay pick for US small businesses; watch card and per-user fees.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isA bill pay and invoicing layer that sits on top of your existing bank and accounting software.
Our takeMelio keeps small business payments simple: add a bill, choose how to pay, and the vendor gets a check or bank transfer.
The free plan is enough for a handful of bills a month. Costs climb through card fees, per-ACH charges after your allowance, and per-user fees, so match the plan to your monthly payment volume.
Why we rate itA free plan, free bank-transfer collection and syncs with the main small business accounting tools.
The catchCard payments cost 2.9%, ACH beyond the allowance costs $0.50 each, and Core and Boost charge per extra user.

Best / not good for

Best for
  • US small businesses paying vendors and contractors
  • Bookkeepers managing client bill pay
  • Teams on QuickBooks, Xero or NetSuite
Not good for
  • Businesses outside the US
  • Personal bill paying
Trade-offs

Friction report

Trade-offs to know before signing up.

  1. Time to value
    Minutes: sign up, connect a bank or card, and pay a first bill.
  2. Scale breakpoint
    Go stops at 1 user and 5 free ACH a month; Core at 20 and Boost at 50 free ACH.
  3. Walled garden
    Low: payments sync to QuickBooks, Xero or NetSuite depending on plan.
Still a fit?
If none of these block you, start on the free plan.
Try Melio

Melio pricing

PlanMonthly billingYearly billingExtra usersFree ACH payments
Go$0$01 user only5 a month, then $0.50 each
Core$25/month$20/month$10/month ($8 yearly) each20 a month, then $0.50 each
Boost$55/month$44/month$10/month ($8 yearly) each50 a month, then $0.50 each
Unlimited$80/month$64/monthUnlimited users includedUnlimited
PlatinumQuote-basedQuote-basedCustomCustom fees

From Melio's pricing page, checked 4 October 2026. New Core, Boost and Unlimited accounts get 90 days of unlimited free ACH payments as a promotion.

Melio payment fees

You pay withVendor receivesFee
Bank accountACH bank transfer$0.50 after your free allowance
Bank accountPaper check$1.50
Bank accountFast check / overnight check$20 / $50
CardACH or check2.9%
CardInstant transfer2.9% + 1% ($75 max)
CardSame-day wire2.9% + $10
Bank account (international)USD transfer$20 flat
Bank account (international)Fast USD transfer1% ($30 to $95)
Card (international)USD transfer2.9% + $20
Your customer, by bank transferYou (invoice payment)Free
Your customer, by cardYou (invoice payment)2.9%

From Melio's pricing page, checked 4 October 2026.

Frequently Asked Questions

How much does Melio cost?

Go is free for 1 user with 5 free ACH payments a month. Core costs $25 a month or $20 a month billed yearly, Boost $55 or $44, and Unlimited $80 or $64. Core and Boost add $10 a month ($8 yearly) for each extra user. Platinum is quote-based (checked 4 October 2026).

How much do Melio payments cost?

Bank transfers beyond your plan's free allowance cost $0.50 each, paper checks $1.50, and card payments 2.9%. Fast checks cost $20, overnight checks $50, and international payments in USD $20. Customers paying your invoices by bank transfer pay nothing; by card, 2.9% (checked 4 October 2026).

Is Melio legit?

Melio is an established bill pay company that Xero, the accounting software maker, bought in a deal completed in October 2025. Melio says it processes payments for hundreds of thousands of US businesses.

Is Melio an Israeli company?

Melio has offices in New York, Denver and Tel Aviv. Since October 2025 it has been owned by Xero, and Melio co-founder Matan Bar now runs Xero's US business.

Can I use Melio without a business?

Melio is built for business payments: its plans, approval workflows and 1099 tools are aimed at businesses and their accountants. Check Melio's terms before using it for personal bills.

Does Melio have a free plan?

Yes. The Go plan is free for 1 user and includes 5 free ACH payments a month, invoicing and up to 10 QuickBooks or Xero syncs. New Core, Boost and Unlimited accounts also get 90 days of unlimited free ACH payments as a promotion (checked 4 October 2026).

Melio alternatives

Other business payment and accounting tools from our reviews:

Showing 1–3 of 4
Sources checked October 4, 2026: Melio pricing, About Melio, Xero: online bill payments in the US (23 March 2026).

Conversion Gems independently reviews every tool.

Tags

#Melio#BillPay#AccountsPayable

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