name: Melio Plans & Pricing
description: >-
  Melio offers five subscription tiers for small businesses, ranging from a free
  plan to a custom enterprise tier. API access is available exclusively on the
  Platinum (invite-only) tier for high-volume businesses. All plans include
  ACH transfers, bill pay, and accounting software integrations.
specificationVersion: "0.1"
url: https://meliopayments.com/pricing/
created: "2026-06-13"
modified: "2026-06-13"

plans:
  - name: Go
    description: Free plan for simple bill pay with no monthly subscription.
    url: https://meliopayments.com/pricing/
    price: 0
    unit: month
    currency: USD
    features:
      - Single user
      - 5 free ACH payments per month ($0.50 per additional)
      - QuickBooks Online sync
      - Xero sync
      - Basic accounts payable
    limits:
      - name: Users
        value: 1
      - name: Free ACH payments
        value: 5
        unit: month
    fees:
      - type: ACH (additional)
        amount: 0.50
        unit: transaction
      - type: Check
        amount: 1.50
        unit: transaction
      - type: Credit card payment
        amount: 2.9
        unit: percent

  - name: Core
    description: Essential tools for growing businesses with approval workflows.
    url: https://meliopayments.com/pricing/
    price: 25
    unit: month
    currency: USD
    annualPrice: 20
    annualUnit: month
    features:
      - Multiple users ($10/month per additional user)
      - 20 free ACH payments per month
      - QuickBooks Online sync
      - Xero sync
      - Batch payments
      - Approval workflows
      - W-9 collection
    limits:
      - name: Free ACH payments
        value: 20
        unit: month
    fees:
      - type: Additional user
        amount: 10
        unit: user/month
      - type: ACH (additional)
        amount: 0.50
        unit: transaction

  - name: Boost
    description: Advanced tools with custom approval rules and QuickBooks Desktop sync.
    url: https://meliopayments.com/pricing/
    price: 55
    unit: month
    currency: USD
    annualPrice: 44
    annualUnit: month
    features:
      - Multiple users ($10/month per additional user)
      - 50 free ACH payments per month
      - QuickBooks Online sync
      - Xero sync
      - QuickBooks Desktop sync
      - Batch payments
      - Approval workflows
      - Custom approval rules
      - W-9 collection
      - Premium phone support
    limits:
      - name: Free ACH payments
        value: 50
        unit: month
    fees:
      - type: Additional user
        amount: 10
        unit: user/month
      - type: ACH (additional)
        amount: 0.50
        unit: transaction

  - name: Unlimited
    description: Full-featured plan with unlimited seats, ACH payments, and NetSuite sync.
    url: https://meliopayments.com/pricing/
    price: 80
    unit: month
    currency: USD
    annualPrice: 64
    annualUnit: month
    features:
      - Unlimited users
      - Unlimited free ACH payments
      - QuickBooks Online sync
      - Xero sync
      - QuickBooks Desktop sync
      - NetSuite sync
      - Batch payments
      - Approval workflows
      - Custom approval rules
      - W-9 collection
      - Premium phone support
    limits:
      - name: Users
        description: Unlimited
      - name: ACH payments
        description: Unlimited free

  - name: Platinum
    description: >-
      Invite-only enterprise tier for high-volume businesses processing over
      $300K/month in credit card payments. Includes API access, custom
      transaction fees, and enterprise-level integrations.
    url: https://meliopayments.com/pricing/
    price: custom
    features:
      - Unlimited users
      - Unlimited free ACH payments
      - All accounting integrations
      - Custom integrations and API access
      - Custom transaction fees
      - Preferred card rates
      - Card-to-wire transfer options
      - Enterprise-level integrations
      - Dedicated support
    eligibility: Invite-only for businesses processing $300K+/month in credit card payments

transactionFees:
  bankAccount:
    - type: ACH
      amount: 0.50
      unit: transaction
    - type: Check
      amount: 1.50
      unit: transaction
    - type: Fast check
      amount: 20.00
      unit: transaction
    - type: Overnight check
      amount: 50.00
      unit: transaction
    - type: Instant transfer
      amount: 1.0
      unit: percent
      cap: 75.00
    - type: Same-day wire
      amount: 1.0
      unit: percent
      minimum: 10.00
      cap: 75.00
  creditCard:
    - type: Same-day ACH
      amount: 2.9
      unit: percent
    - type: Check
      amount: 2.9
      unit: percent
    - type: Fast check
      amount: 2.9
      unit: percent
      additionalFee: 20.00
    - type: Overnight check
      amount: 2.9
      unit: percent
      additionalFee: 50.00
  international:
    - type: ACH (USD)
      amount: 20.00
      unit: transaction
    - type: ACH fast (USD)
      amount: 1.0
      unit: percent
      minimum: 30.00
      cap: 95.00
    - type: Card (USD)
      amount: 2.9
      unit: percent
      additionalFee: 20.00
  payOverTime:
    - type: Financing fee
      amount: 2.9
      unit: percent
      description: Starting rate