TL;DR: Melio's Go plan is free — no monthly fee, free ACH and check. Paid plans (Core, Boost, Unlimited) add advanced features. Accounting firms get Boost for free.
Go free • Core • Boost • Unlimited • Accountants • US businesses
| Plan | Monthly Fee | Best For |
|---|---|---|
| Go | Free — $0/month | Small businesses starting with bill pay |
| Core | Paid (per month) | Growing businesses needing full accounting sync |
| Boost | Paid (per month) | Teams needing approvals, W-9/1099, AI tools |
| Unlimited | Paid (per month) | High-volume businesses, priority support |
| Accountants | Free for firm | Accounting firms managing client payments |
The Melio Go plan is completely free with no monthly subscription. It includes:
For most small US businesses with straightforward bill pay needs, the free Go plan is sufficient.
The Core plan adds full accounting integration and removes the bill limit:
The Boost plan adds advanced workflow and compliance tools:
Accounting firms and bookkeepers get Melio's Boost plan for free. This includes:
| Payment Type | Fee | Speed |
|---|---|---|
| ACH bank transfer | Free | 3 business days |
| Fast ACH | Small fee | Same day / next day |
| Check by mail | Free | 5–7 business days |
| Credit card | 2.9% | 3 business days |
| Debit card | 2.9% | 3 business days |
| International payment | FX fee (disclosed upfront) | 3–5 business days |
| Pay Over Time | Monthly interest rate | Immediate to vendor |
For the free Go plan — absolutely. Free ACH and check payments with QuickBooks sync at zero cost is exceptional value compared to competitors charging $45+/user/month.
For paid plans — the value depends on whether you need the additional features. Approval workflows, W-9/1099 tools and AI bill capture save significant time for businesses processing high volumes of vendor payments.
Free ACH, free checks, basic QuickBooks sync. Upgrade when you need more.
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