Reviewed 2026-07-15; pricing verified at source.
In practice, Melio will keep routine bill payments economical or turn payment volume and faster methods into a growing fee stack.
Verdict
Go costs $0 and includes 5 free ACH payments per month. That is a useful fit for very light bill-pay volume, but the free tier should be judged against a normal month rather than an unusually quiet one.
Best for
Core costs $25 per month, includes 20 free ACH payments per month, and syncs with QuickBooks Online and Xero. It suits a small finance operation whose recurring payment volume and accounting handoff both fit that boundary.
Skip it if
Card payments carry a 2.9% fee, and same-day wires cost 1% with a $10 minimum and $75 maximum. Skip it if expensive payment methods are routine rather than exceptions, because plan price alone will understate the operating cost.
Price and plan evidence
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).
What the pricing structure tells you
Go is free, Core costs $25 per month, and each additional Core user costs $10 per month. The product stops being cheap when collaboration and paid payment methods expand together, so model user fees and transaction fees alongside the subscription.
Where the fit changes
Unlimited costs $80 per month with unlimited users and unlimited free ACH payments. The fit changes when team access and ACH volume are both high enough that a flat upper tier is easier to defend than repeated lower-tier constraints.
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.