Melio ships four tiers: Go, Core, Boost, and Unlimited. The jump from Go to Core is where most of the real functionality shows up: accounting sync, higher free ACH volume, and the start of per-seat math. Boost and Unlimited add deeper accounting connections and, at the top, remove the per-seat question entirely.
Melio's Four Tiers
| Plan | Price | Free ACH/month | Integrations |
|---|---|---|---|
| Go | $0 /free forever | 5 free ACH/month | not listed |
| Core | $25/mo | 20 free ACH/month | QuickBooks Online sync, Xero sync |
| Boost | $55/mo | 50 free ACH/month | QuickBooks Desktop sync |
| Unlimited | $80/mo, unlimited users | Unlimited free ACH | NetSuite sync |
Free ACH volume rises with every tier: 5 free ACH/month on Go, 20 free ACH/month on Core, 50 free ACH/month on Boost, and Unlimited free ACH on the top tier -- so the ACH-volume question and the per-seat question move together as you climb the ladder.
On payment fees, Melio charges 2.9% for card payments and 1% ($10 min, $75 max) for same-day wires, across tiers. New sign-ups also get free for your first 30 days on top of whatever tier they land on. Melio's own materials report 15+ hours saved on bill pay every month (average). That is Melio's reported average across its user base, not a guarantee for any one business.
Who Melio Fits
Melio is a fit if you want a genuinely free starting tier with no user-count asterisk on the sticker price: Go costs $0 /free forever, and Core at $25/mo adds QuickBooks Online sync, Xero sync once your ACH volume outgrows Go's 5 free ACH/month. It is also a fit if your team is large and you want to stop counting seats altogether: Unlimited is $80/mo, unlimited users. Avoid Melio if you need Sage Intacct, Microsoft Dynamics, or Acumatica. Those integrations are not part of Melio's feature set at any tier, while BILL lists QuickBooks, Sage Intacct, Oracle Netsuite, Microsoft Dynamics, Xero, Acumatica. Avoid it too if you need every dollar of ACH volume to move free with no monthly cap; Nickel's standard ACH fee is $0, with no per-transaction count limit stated, which is a different shape than Melio's capped free-ACH tiers.
What the Per-User Add-On Actually Costs You
Melio's per-seat math shows up on Core: each additional user is $10/mo per additional user. That is the same shape as BILL's model, charging more as the team grows, but on a much lower base. BILL charges $49 per user, per month starting from the first seat, with no base-plan discount before the per-user charge kicks in. Melio Core starts from a flat $25/mo base and only adds the $10/mo per additional user charge for seats beyond that base, so a growing team accumulates cost more slowly on Core than on BILL Essentials' per-seat-from-seat-one structure. See the full head-to-head against BILL's per-user model in this comparison. Unlimited sidesteps the question completely at $80/mo, unlimited users for as many users as you add. There is no confirmed additional-user fee for Go or Boost specifically, so do not assume the $10/mo per additional user figure applies outside Core. Confirm seat pricing directly with Melio if headcount matters on those tiers.
Which Tier Should You Pick?
Start on Go if your ACH volume fits inside 5 free ACH/month and you do not need accounting sync yet. Move to Core once you need QuickBooks Online sync, Xero sync or your ACH volume exceeds Go's cap. Budget for the $10/mo per additional user add-on as you add people. Boost is the QuickBooks Desktop path at $55/mo; Unlimited is the NetSuite and large-team path at $80/mo, unlimited users. For how Melio stacks up against the rest of this category, the accounts payable automation guide routes to every entity in this roundup by the question you are actually asking.
Melio doesn't have a referral link with us right now. Visit meliopayments.com directly to sign up. Compare its closest-priced alternatives: see current Nickel plans see current BILL plans and pricing.