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Go is free forever and includes five free ACH payments per month. It is a clear budget entry when that limit covers your normal month.
What this choice needs to do
You need to send business payments while preserving cash for the business itself. The binding constraint is avoiding a monthly bill and optional transaction fees.
It fits when
Core costs $25 per month and includes 20 free ACH payments per month. It still fits after Go when the larger allowance costs less than your alternatives.
It stops fitting when
Same-day wires cost 1% with a $10 minimum and $75 maximum, while card payments cost 2.9%. It stops fitting when paid rails replace standard ACH.
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
Go includes five free ACH payments per month. Reopen the decision after the first sustained month above five.
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.