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.
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%.
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.
A strong low-cost bill pay pick for US small businesses; watch card and per-user fees.
A bill pay and invoicing layer that sits on top of your existing bank and accounting software.
Melio 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.
A free plan, free bank-transfer collection and syncs with the main small business accounting tools.
Card payments cost 2.9%, ACH beyond the allowance costs $0.50 each, and Core and Boost charge per extra user.
Melio pricing
| Plan | Monthly billing | Yearly billing | Extra users | Free ACH payments |
|---|---|---|---|---|
| Go | $0 | $0 | 1 user only | 5 a month, then $0.50 each |
| Core | $25/month | $20/month | $10/month ($8 yearly) each | 20 a month, then $0.50 each |
| Boost | $55/month | $44/month | $10/month ($8 yearly) each | 50 a month, then $0.50 each |
| Unlimited | $80/month | $64/month | Unlimited users included | Unlimited |
| Platinum | Quote-based | Quote-based | Custom | Custom 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 with | Vendor receives | Fee |
|---|---|---|
| Bank account | ACH bank transfer | $0.50 after your free allowance |
| Bank account | Paper check | $1.50 |
| Bank account | Fast check / overnight check | $20 / $50 |
| Card | ACH or check | 2.9% |
| Card | Instant transfer | 2.9% + 1% ($75 max) |
| Card | Same-day wire | 2.9% + $10 |
| Bank account (international) | USD transfer | $20 flat |
| Bank account (international) | Fast USD transfer | 1% ($30 to $95) |
| Card (international) | USD transfer | 2.9% + $20 |
| Your customer, by bank transfer | You (invoice payment) | Free |
| Your customer, by card | You (invoice payment) | 2.9% |
From Melio's pricing page, checked 4 October 2026.
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