Melio
Free bill pay for US small businesses — pay by card, get paid by ACH.
Try Melio Free
Start with the free plan and see if it fits your workflow — no credit card required.
TRY FOR FREE →Our Verdict on Melio
Melio is the simplest way for a US SMB to move bill pay off checks and personal transfers — and it is genuinely free for standard ACH.
Melio sits in the accounting & finance space and is best suited to us small businesses and bookkeepers handling vendor payments.
Across our five rating lenses — ease of use, value, speed, accuracy and ROI — Melio scores 8.5/10. That places it in the top tier of tools we've tested this year, and it comfortably earns its spot in our recommended stack.
- Free ACH bill pay
- Pay any vendor by card, they receive check/ACH
- QuickBooks and Xero sync
- No monthly minimum
- US-only
- Card fees add up if you fund every payment by card
Melio Pricing
Free ACH bill pay, card fees ~2.9%, premium plans from $25/mo
Available — perfect for testing the product with no commitment.
Free + Paid Plans (Free)
For most users, the mid-tier paid plan delivers the best balance of features and cost.
What Melio does well
Perfect for
The complete Melio review
Melio is the simplest way for a US SMB to move bill pay off checks and personal transfers — and it is genuinely free for standard ACH.
Melio sits in the accounting & finance space and is best suited to us small businesses and bookkeepers handling vendor payments.
Across our five rating lenses — ease of use, value, speed, accuracy and ROI — Melio scores 8.5/10. That places it in the top tier of tools we've tested this year, and it comfortably earns its spot in our recommended stack.
In short — Melio earns its 8.5/10 rating. It's a tool we happily recommend to us small businesses and bookkeepers handling vendor payments., and one we return to ourselves. Read the pros and cons above, click through and try the free plan, and make your own call on real work.
Frequently asked questions
For anyone working on us small businesses paying vendors., Melio pays for itself quickly. It combines strong output quality with a workflow that respects your time, which is why it earned a spot in our recommended tools.
Compare Melio with alternatives
Melio head-to-head
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Every page connected to Melio — comparisons, shortlists, alternatives and the wider Accounting & Finance pillar. Follow any thread to keep learning.
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Where Melio ranks
Melio appears in 5 of our curated shortlists — each one ranks it against the direct alternatives for a specific use case.
Keep the Melio research going
How we work
Every tool is used on real projects before we score it — no press-release rewrites.
Five lenses: ease of use, value, speed, accuracy, ROI. Averaged, not cherry-picked.
Some links pay us a commission at no cost to you. They never change our scores.
Editorial rankings are separate from partnership status. See our editorial policy.
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This score includes direct product evaluation alongside our editorial research.
Calculated using product documentation, pricing analysis, interface review, verified customer reviews and independent evidence. A full long-term hands-on evaluation has not yet been completed.
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