We reviewed 8 alternatives to Melio. Pricing verified March 2026. No sponsored placements.
Common reasons people switch from Melio:
From 2.9% + $0.30/txn (Standard) · Best for Any business accepting online payments, especially
From Per-transfer fees (varies by currency) · Best for Businesses and individuals making international tr
From 5% + $0.50 per transaction · Best for Indie creators selling digital products, SaaS, cou
From $19/mo (Lite, 5 clients) · Best for Freelancers and service businesses who bill for ti
Ramp combines corporate cards, expense management, bill pay, and accounting automation into one platform. AI automatically categorizes expenses and flags wasteful spending..
Stripe is the payment infrastructure that powers millions of businesses. The API handles one-time payments, subscriptions, invoicing, marketplaces, and platform payments with developer-friendly documentation that is the gold standard in fintech. If you accept payments online, Stripe is the default starting point.
Mercury is the bank account designed for startups and tech companies. The interface is beautiful — light years ahead of traditional banking. The API enables programmatic banking.
| Melio | Ramp | Stripe | Mercury | |
|---|---|---|---|---|
| Price | 2.9% (credit card) | Free | 2.9% + $0.30/txn (Standard) | N/A |
| Free Tier | ✓ | ✓ | ✓ | ✓ |
| Rating | ★ 4.5 | ★ 4.8 | ★ 4.6 | ★ 4.5 |
| Verdict | Best Free Bill Pay | Best Corporate Card | Recommended | Recommended |
| API | ✕ | ✓ | ✓ | ✓ |
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