Melio Fees — Complete Pricing & Cost Guide 2026

All Melio Payments fees • US businesses • Updated April 2026

Melio Payment Method Fees

Payment Method	Fee	Delivery Time	Notes
ACH Bank Transfer	Free	3 business days	Standard delivery, always free on all plans
Fast ACH	Small fee	Same day / next day	Expedited delivery option
Check by Mail	Free	5–7 business days	Melio prints and mails — always free
Credit Card	2.9%	3 business days	Earns card rewards, can pass fee to vendor
Debit Card	2.9%	3 business days	Same rate as credit card
International (ACH)	Transparent FX fee	3–5 business days	80+ countries, local currency
Pay Over Time	Monthly interest	Immediate to vendor	Up to 12 installments, vendor paid now

Melio Monthly Subscription Fees

Plan	Monthly Fee	Key Features	Best For
Go	$0 — Free	Basic bill pay, limited QuickBooks sync	Small businesses, getting started
Core	Paid	Full QuickBooks & Xero sync, international payments	Growing businesses
Boost	Paid	Advanced approval workflows, W-9/1099, AI tools	Teams with complex AP
Unlimited	Paid	All features, priority support, unlimited everything	High-volume businesses
Accountants	Free for firm	Multi-client dashboard, all Boost features	Accounting firms

Melio Credit Card Fee — The 2.9% Explained

The most common Melio fee businesses encounter is the 2.9% credit card fee. This applies when you fund a payment using a credit or debit card.

Why Pay the 2.9% Fee?

Many businesses deliberately choose to pay the 2.9% Melio credit card fee because it makes financial sense:

• Earn rewards: A business credit card with 2% cash back means you net only 0.9% cost — and get float benefits on top
• Extend cash flow: Pay vendors today using your credit line, repay your card statement in 30 days — free short-term financing
• Pay vendors who don't accept cards: Melio lets you fund via card even when your vendor only accepts ACH or check
• Earn miles: Charge large vendor invoices to a travel rewards card and earn substantial miles on normal business expenses

Can I Pass the Melio Credit Card Fee to the Customer?

Yes — when you send payment requests (Accounts Receivable), you can choose whether you or your customer pays the card processing fee. This gives you full flexibility in how you manage the cost.

Are ACH Payments Always Free on Melio?

Yes. Standard ACH bank transfer payments are always free on Melio regardless of your plan. There are no per-transaction fees, no monthly caps on free ACH payments, and no hidden charges. Fast ACH delivery (same day or next day) has an additional small fee if you need expedited delivery.

Are Melio Check Payments Free?

Yes. Melio check payments are always free. When you choose to pay a vendor by check, Melio prints a physical check and mails it to the vendor on your behalf — at no cost to you. The vendor receives a paper check they can deposit at their bank. Delivery typically takes 5–7 business days.

This is a significant advantage over competitors like Bill.com which charges $1.49 per check.

Melio Fees vs Competitors

Platform	Monthly Fee	ACH	Check	Card
Melio	$0 (Go plan)	Free	Free	2.9%
Bill.com	$45+/user/mo	Free	$1.49 each	2.9%
Plastiq	$0	1%	2.85%	2.85%
Ramp	$0	Free	Free	N/A
Stripe	$0	0.8%	N/A	2.9% + $0.30

Hidden Melio Fees — Are There Any?

No. Melio's fee structure is transparent with no hidden charges:

• No account setup fee
• No account maintenance fee on the Go plan
• No per-transaction fee for ACH or check
• No cancellation or termination fee
• Foreign exchange fees for international payments are disclosed upfront before you confirm the payment
• No fee to receive payments via ACH (your customers pay via their Melio account)