In this guide
Pricing Overview :
Melio pricing in 2026 is clearer than that of a lot of finance software, but it still needs to be read carefully. The official pricing page not only lists plans. It also shows usage rules, free ACH limits, per-user pricing on some tiers, and transaction fees for certain payment methods.
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That is actually a good thing. It means buyers can price the platform with less guesswork.
The official plan anchors reviewed on Melio’s pricing page are:
| Plan | Monthly | Annual | What you get |
|---|---|---|---|
| Go | Free | Free | 1 user · 5 free ACH payments/mo |
| Core | $25/mo | $20/mo | +$10/user ($8 annual) · 20 free ACH/mo |
| Boost | $55/mo | $44/mo | +$10/user ($8 annual) · 50 free ACH/mo |
The official site also promotes free ACH payments within plan limits and a broader accounts payable and receivables platform that includes bill capture, approval workflows, accounting sync, W-9 collection, and 1099 support.
If you want to check the official pricing page yourself, start with Melio here.
Verdict: Is Melio Worth It?
Melio pricing is strong in 2026 because it gives buyers a realistic ladder.
The official pricing page shows:
- A true free starting point.
- A collaborative mid-tier with a useful AP structure.
- A more advanced tier with stronger controls.
- Transparent user-based pricing on paid plans.
- Published free-ACH thresholds and overage behavior.
That is a healthier pricing story than many finance tools offer.
Melio is worth it when your business needs better bill capture, cleaner approvals, accounting sync, and less AP chaos. It is less compelling if you only pay a handful of bills and do not need shared workflow or automation.
FAQ :
How Much Does Melio Cost In 2026?
The official pricing page lists Go at $0, Core at $25 per month plus user fees, and Boost at $55 per month plus user fees, with lower annual billing options for Core and Boost.
Does Melio Have A Free Plan?
Yes. Go is officially listed as free forever and limited to one user.
Are ACH Payments Always Free On Melio?
Not completely. The official plans include a set number of free ACH payments each month, and then a $0.50 fee applies to each additional ACH payment.
What Is Melio’s Best Value Plan?
For most collaborative SMB finance workflows, Core looks like the best value because it adds accounting sync, approvals, W-9 collection, and 1099 automation without jumping to the highest tier.
Does Melio Charge Card Fees?
Yes. The official pricing page shows a 2.9% fee in certain credit-card-related receiving/payment flows, so payment-method choice matters.
Before You Choose, Compare These
Hand-picked guides to help you choose the right tool — no fluff.
IntegrationsMelio Integrations Guide 2026What it connects to and how well each link holds up.
Use CasesWho Is Melio Best For? Use Cases & Fit (2026)Who gets the most out of it — and who should skip it.
FeaturesJarvio Top Features 2026The standout features and whether they justify the price.
Advanced GuidesPlayroll Advanced Guide 2026Deeper workflows once the basics are in place.