Start here
Melio Unlimited costs $80 per month and includes unlimited users and unlimited free ACH. It is the agency-shaped tier when many staff members and payments share one operating model.
What this choice needs to do
You need a repeatable payment workflow across client accounts and accounting systems. The constraint is scaling users and transaction volume without messy per-client exceptions.
It fits when
The Unlimited plan syncs with NetSuite. It fits when that is the accounting connection your client workflow requires.
It stops fitting when
Card payments cost 2.9%. It stops fitting when client payment choices make percentage fees a recurring margin problem.
Cost and boundaries
Core plan costs $10/mo per additional user.
Customer count reports over 100,000 business owners.
Fee card payment costs 2.9%.
Fee same day wire costs 1% ($10 min, $75 max).
Boost plan includes 50 free ACH/month.
Core plan includes 20 free ACH/month.
Go plan includes 5 free ACH/month.
Unlimited plan includes Unlimited free ACH.
Free trial: free for your first 30 days.
Boost plan includes QuickBooks Desktop sync.
Core plan includes QuickBooks Online sync, Xero sync.
Unlimited plan includes NetSuite sync.
Boost plan costs $55/mo.
Core plan costs $25/mo.
Go plan costs $0 /free forever.
Unlimited plan costs $80/mo, unlimited users.
$100B+ dollars processed securely, 2M+ vendors paid.
Time saved avg reports 15+ hours saved on bill pay every month (average).
The trigger to change course
Boost costs $55 per month and includes 50 free ACH payments per month. Reopen the plan choice when agency ACH volume approaches that allowance.
FAQ
How much does Melio cost (Go plan)?
Melio costs $0 /free forever.
How much does Melio cost (Core plan)?
$25/mo, compared with Boost at $55/mo.