Pay and get paid via free ACH — a bill-pay layer that sits on top of your existing accounting software.
Last reviewed Jul 15, 2026 · Pricing verified Jul 15, 2026
DEV-TOP · horizontalOur take
Best for small US businesses that want to pay vendor bills without a wire/check fee and sync it straight into QuickBooks or Xero — pair it with your accounting software rather than expecting it to replace one.
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Verified Jul 15, 2026 against Melio's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Go | Free | Free | 5 free ACH transfers/month, then $0.50 each |
| Core | 25 USD/mo | 20 USD/yr | 20 free ACH transfers/month |
| Boost | 55 USD/mo | 44 USD/yr | 50 free ACH transfers/month |
| Unlimited | 80 USD/mo | 64 USD/yr | Unlimited free ACH transfers, unlimited users |
Go plan is free with 5 ACH transfers/month included (then $0.50 each). Card payments cost ~2.9%, instant transfers 1% (capped at $75).
DEV-MID · rectangleUS-only; built around US bank transfers and vendor payments — VERIFY current availability.
Not ready for Melio? Start with our free tools — come back when you outgrow them.
Pick this instead if: US small businesses that work with an outside bookkeeper/accountant
Pick this instead if: Small teams that need multiple people in the books without per-user fees
Pick this instead if: Freelancers and consultants who bill by time or project
Pick this instead if: US/Canada solopreneurs and side-hustles wanting free bookkeeping
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