Melio pricing
What Melio costs as a bill pay layer, where the free plan ends, and the two fees that decide your real monthly spend.
Melio is a bill pay and accounts payable layer rather than a general ledger, so most businesses run it alongside QuickBooks Online or Xero. As of June 2026 it offers a free Go plan with five free ACH payments a month, then Core at $25, Boost at $55 and Unlimited at $80 a month, each adding more free ACH payments and workflow features. Bank transfers are free within your allotment, card payments carry a flat 2.9 percent fee, and ACH beyond the included count costs $0.50 each. Paid tiers take 20 percent off on annual billing. Check the vendor for current pricing.
Plans and prices
Per month, billed monthlyPricing as of June 2026. The Go plan is free with no subscription; paid tiers add free ACH allotments and features. Card payments cost a flat 2.9 percent, and ACH payments beyond your plan's free count are $0.50 each. Annual billing takes 20 percent off paid tiers (Core $20, Boost $44, Unlimited $64 a month). Confirm current rates and fees on the vendor site.
The subscription is the small number; the fees are the bill
Melio's plan price is only part of the story. For most businesses the real spend comes from how you pay vendors and how many payments you send, not the tier you pick.
Melio pricing FAQ
How much does Melio cost?
As of June 2026, Melio offers a free Go plan with five free ACH payments a month, then Core at $25, Boost at $55 and Unlimited at $80 a month. Paid tiers take 20 percent off on annual billing. Card payments cost 2.9 percent and extra ACH payments are $0.50 each. Check the vendor for current pricing.
Is Melio free?
It can be. The Go plan has no subscription fee and includes five free ACH payments a month, with free bank transfers within that allotment. You pay only when you exceed the free ACH count, pay a vendor by card at 2.9 percent, or upgrade to a paid tier for more payments and features. Verified June 2026.
What fees does Melio charge?
Bank transfers are free within your plan's allotment. Card payments carry a flat 2.9 percent fee, and ACH payments beyond your included count cost $0.50 each. Some faster delivery options and instant transfers can carry additional fees. The monthly subscription on paid tiers is separate from these per payment charges. Check the vendor for current pricing.
Is Melio good value?
For a small business that pays vendors by bank transfer and wants free or low cost accounts payable alongside QuickBooks Online or Xero, the Go and Core tiers are good value. Heavy payment volume or frequent card payments push the real cost up, so model your ACH count and card usage before choosing a tier.