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Melio

Free B2B payments platform for small businesses

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120 reviews

Free tier

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In a nutshell

The simplest way for small businesses to pay bills. Free bank transfers are genuinely free. The credit card option is brilliant for earning rewards on business expenses.

What's great

Free bank transfers
Pay by credit card to earn rewards
Dead simple UX

Watch out for

Limited features vs Bill.com
No AR features
US-only

Quick Facts

Founded2018

PricingFrom 2.9% (credit card)

Free tierYes

PlatformsWeb, iOS, Android

APINot available

CategoryAccounting & Finance

Q: What is Melio?

Melio lets small businesses pay vendors by bank transfer for free or by credit card for 2.9%.

Q: How much does Melio cost?

Melio starts at 2.9% (credit card). A free tier is available with Free (bank transfers).

Q: Who is Melio best for?

Melio is best for small businesses paying vendors and contractors.

Q: Is Melio free?

Melio offers a freemium model with a free tier. Paid plans start at 2.9% (credit card).

Best for

Small businesses paying vendors and contractors

Not ideal for

Enterprises needing complex AP workflows

Pricing

Free

Free (bank transfers)

Starter

2.9% (credit card)

Pro

Free

Enterprise

N/A

View official pricing →

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AICores Editorial Review

Reviewed by AICores Editorial Team

Last updated: May 2026

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