New York – October 19, 2026 -- Melio's plans range from $0 to $80 per month, and a new Better Business Advice review names the platform the best bill pay software for small business, citing its centralized accounts payable workflow.
Melio prices four tiers by ACH payment volume
The Go tier costs $0 per month and includes five free ACH payments. Core costs $25 per month with 20 free ACH payments and additional accounting and automation tools. Boost costs $55 per month with 50 free ACH payments and more advanced user controls. Unlimited costs $80 per month and includes unlimited ACH payments and unlimited user seats.
Fees can still apply to card-funded payments, expedited delivery, wires and international transactions. Standard card-funded vendor payments carry a 2.9% fee. The reviewer notes that total cost depends on payment volume and payment method.
Review credits Melio with a five-stage payables workflow
Melio organizes accounts payable into capture, review, approve, pay and sync. Bills can be imported or scanned, and approvals can be assigned by role. One-time or recurring payments can be scheduled in advance, and batch tools can group several bills into one payment process.
Multi-level approval workflows and user permissions are aimed at businesses with more than one person handling payables. The AI assistant Agent Mel retrieves bill, vendor, payment status, outstanding balance and payment settings data through a conversational interface. Payment creation, approvals and transaction management are also available in the Melio mobile app.
Payment method flexibility drives the selection
Melio supports ACH, credit or debit card, paper checks, wires, expedited transfers and eligible international vendor payments. Eligible card-funded payments let a business pay by card even when the vendor normally receives funds another way. Better Business Advice says this helps companies meet differing vendor preferences while keeping payment activity in one place.
Melio reports more than 2 million vendors and 40 million bills processed
The company says its platform supports more than two million vendors and has processed more than 40 million bills. Better Business Advice named payment flexibility, AP automation, accounting synchronization and scalable plan options as the main reasons for the selection.
The review frames the pick against a shift among small businesses away from scattered invoice files, bank portals, checks, email approvals and manual data entry. It argues that fragmented processes add reconciliation work, missed approvals and weaker cash flow visibility as payment volume grows. Better Business Advice is an affiliate publisher and may earn commissions from services mentioned in its links.