Melio

Melio is a bill-pay and accounts-payable platform for small businesses. You can pay vendors by ACH bank transfer, credit or debit card, check or wire, and collect from customers by payment request or link. Plans are priced per month: Go is free forever with 5 free ACH payments a month and one user; Core is $25 ($20 billed annually) with 20 free ACH payments; Boost is $55 ($44 annually) with 50; Unlimited is $80 ($64 annually) with unlimited free ACH and unlimited users; Platinum is custom priced. Additional users on Core and Boost cost $10 a month ($8 billed annually). Beyond the free allotment, an ACH payment on Go costs $0.50. Melio also advertises a 90-day free trial of unlimited free ACH payments and advanced automations with no credit card; without a paid plan the account converts to Go. Transaction fees when you pay through Melio: ACH bank transfer $0.50, check $1.50, fast check $20, overnight check $50, instant bank transfer or same-day ACH 1% (max $75), wire $10, and credit or debit card 2.9%. International payments start at a $20 flat fee for USD Global ACH. When customers pay you, ACH is free and cards cost 2.9%. Integrations include QuickBooks Online, Xero, QuickBooks Desktop and NetSuite, depending on the plan. Melio fits businesses that pay many vendors and want approvals and accounting sync. If you mostly pay by card, the 2.9% fee adds up, and some transfer options are subject to eligibility requirements.