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Updated June 16, 2026

Melio Pricing Explained: Plans, ACH Limits, Card Fees, and Common Costs

A practical Melio pricing guide explaining Go, Core, Boost, Unlimited, ACH allowances, card fees, and payment method costs for small business owners.

Important: Prices and fee schedules can change. Verify the latest plan details on Melio’s official pricing page before choosing a plan.

Melio plan overview

Melio offers a free Go plan and paid plans with higher limits and more workflow features. The right choice depends on payment volume, number of users, approval needs, accounting sync, and how often your business uses ACH or card-funded payments.

Plan	Best for	Monthly price shown publicly	ACH allowance highlighted	Notes
Go	Solo owners and light bill pay	$0 / free forever	5 free ACH/month	Limited to one user; useful for getting started.
Core	Growing teams using sync and batch actions	$25/mo, plus additional user pricing	20 free ACH/month	Adds more structure for scaling workflows.
Boost	More complex teams and accounting firms	$55/mo, plus additional user pricing	50 free ACH/month	Includes more advanced approvals and controls.
Unlimited	Higher-volume businesses	$80/mo publicly shown	Unlimited free ACH	Designed for unlimited ACH and users.

Transaction fees readers should notice

The plan price is only one part of the cost. Before choosing any bill-pay tool, compare the fees that affect real payment decisions.

Extra ACH: additional ACH payments after included monthly allowances are listed at $0.50 each on eligible plans.
Credit/debit card payments: common pay-by-card scenarios are listed at 2.9%.
Checks, wires, and faster delivery: may carry additional fees depending on delivery method.
International or global payment options: may use flat fees, percentage fees, or conversion rates depending on scenario.

Which plan should a reader choose?

A solo owner with a few monthly bills may be able to start with Go. A growing company with recurring vendor payments, approval needs, and accounting sync should compare Core and Boost. A higher-volume business that wants predictable ACH usage should evaluate Unlimited. Review the current details directly with Melio before committing to a plan.

Pricing reminder: Avoid choosing a plan based on one feature alone. Check the current Melio pricing page and match the plan to your payment volume, users, and preferred payment methods.

Ready to test a cleaner bill-pay workflow?

Review the current plan details, then start with Melio when the fees and workflow fit your business.

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Source note: Pricing, plan names, ACH allowances, card-fee language, delivery timing, and security details can change. Verify current details directly with Melio before choosing a plan or payment method. Last reviewed June 16, 2026.