Choose a plan for the workflow you need, then calculate its total cost. A larger ACH allowance alone may not justify an upgrade.
Published plan prices
The following snapshot was checked against Melio's public pricing page on September 4, 2026. Prices are in US dollars, before applicable taxes, transaction charges, or promotions. Annual prices are monthly equivalents billed annually; confirm the commitment and checkout terms.
| Plan | Monthly billing | Annual equivalent | Included ACH / month |
|---|---|---|---|
| Go | $0 | $0 | 5 |
| Core | $25 | $20 | 20 |
| Boost | $55 | $44 | 50 |
| Unlimited | $80 | $64 | Unlimited |
Go is limited to one user. Core and Boost list additional users at $10 monthly or $8 per month with annual billing; Unlimited includes unlimited users. ACH above a plan's allowance is listed at $0.50 per payment. Custom Platinum terms are also available for eligible customers.
Separate funding and delivery charges
In the same public schedule, common domestic card funding is 2.9%. Bank-funded standard checks are $1.50 and standard wires are $10. Faster delivery, international routes, and conversion have separate terms. Card-funded check or wire combinations can be priced differently from bank-funded delivery. Use the exact transaction quote rather than adding fees from unrelated rows.
That distinction prevents an easy budgeting mistake. A table may show a fee for bank-funded delivery and another fee for a card-funded version of the same delivery method. Those rows are alternative routes, not necessarily cumulative charges. Record the selected funding source and receiving method with your cost estimate.
Three illustrative monthly budgets
These examples apply the snapshot above, assume monthly billing and one user, and exclude taxes, promotions, faster delivery, international payments, and other charges. They are arithmetic examples, not a recommendation or a quote for your account.
| Usage | Calculation | Modeled total |
|---|---|---|
| Go, 12 ACH payments | (12 − 5) × $0.50 | $3.50 |
| Core, 40 ACH payments | $25 + (40 − 20) × $0.50 | $35 |
| Boost, 40 ACH payments | $55 + $0 excess ACH | $55 |
At 40 payments, Boost costs $20 more than Core in this limited model. Its larger allowance does not by itself pay for the higher subscription. An upgrade would need to be justified by capabilities, seats, support, or other requirements. Go may be cheaper still, but a low transaction bill is irrelevant if the plan cannot support the workflow you need.
What an ACH allowance is worth
The difference between 20 and 50 included transfers is 30 payments. At $0.50 each, that additional allowance is worth at most $15 in avoided ACH charges per month. The monthly subscription difference between the example plans is $30. This is why upgrading purely for that allowance would not save money under these assumptions.
Unlimited changes the calculation differently, particularly as user count increases. Compare the complete bill across the plans that meet your requirements. Do not pay for fewer permissions than the team needs simply to reduce seats, and do not share credentials to work around access limits.
Check percentage costs separately
A hypothetical $10,000 card-funded payment at 2.9% creates a $290 processing charge before other costs. That one transaction can exceed the monthly software price several times over. If your budget is high, inspect card usage and urgent delivery before spending time optimizing a small subscription difference.
Rewards are not the same as a discount from the payment provider. Verify eligibility, reward caps, interest, and repayment timing separately. Use the card payment calculator with the rate actually quoted to you. Do not treat an optimistic rewards assumption as guaranteed cash.
Before choosing or renewing a plan
List the busiest month's payment count, staff access needs, accounting integration, approval rules, and exceptions. Check the feature matrix as well as the price table. Distinguish a trial's capabilities from what remains after the trial ends. Confirm the billing cycle, renewal amount, and any data or feature-access consequences of downgrading.
Keep a dated cost worksheet and compare it with the first actual invoice. Investigate differences while the payment run is fresh. A recurring review of real charges is more reliable than assuming the plan you chose once will always be the right fit.
The evidence
Sources & review notes
Public documentation reviewed September 4, 2026. Fit assessments are editorial judgments; worked scenarios are illustrative. We have not conducted a hands-on provider benchmark. Fees and availability can change.
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