Bill.com vs Melio Pricing for Small Business Payables, Plans and Per Payment Fees Compared

Bill.com costs $49, $65 or $89 per user per month on the Essentials, Team and Corporate plans, and Melio costs $0 to $80 a month for the whole company, with extra fees only when you pay outside free ACH. Read from both vendors' own pricing pages on November 7, 2026, Melio is cheaper for a small team paying a few dozen vendors, and Bill.com is priced for teams that need approvals and a two-way ledger sync across several people.

Both tools move money out. Neither one proves that what left your bank matches what sits in the ledger, and that check is where month end time goes. The tables show only what each vendor publishes, and where a page left something out we say so.

How much does Bill.com cost compared with Melio?

For a three person finance team, Bill.com Team is $195 a month at $65 a seat, while Melio Core with two extra users is $45 a month on the monthly rate or $36 billed yearly. The two price on different meters, so the gap widens as headcount grows and narrows as payment volume grows.

Bill.com's pricing page prints one number per plan and does not say whether it is billed monthly or annually, so confirm that before you budget. Melio's page shows a monthly and an annual rate, and a 90 day free start on Core, Boost and Unlimited.

What does each payment cost?

On the payment side, Bill.com charges $0.59 for an ACH payment, while Melio includes a set number of free ACH payments per plan and charges $0.50 for each one past that allowance. Both charge about 2.9 percent when you fund a payment with a card.

Melio's fee table sits in the lower part of its pricing page, which loaded only in part for us. Treat the Melio fast and international rows as the ones to confirm on the page before you commit.

Which one fits a small business?

Pick Melio when one or two people pay a modest number of vendors by ACH and you want the bills and payments in QuickBooks Online or Xero for $25 a month or less. Pick Bill.com when several people approve bills, you need custom approval policies or procurement, or your ledger is NetSuite or Sage Intacct.

• Under 20 vendor payments a month, one user. Melio Core at $25 a month, or $20 billed yearly.
• Three or more people touch bills. Add up seats first. Bill.com at $65 a seat reaches $195 for three people, while Melio Unlimited is $80 for everyone.
• Approval chains and purchase orders. Bill.com Corporate lists custom approval policies and procurement. Melio's plan cards do not.
• NetSuite ledger. Melio lists it on Unlimited and Bill.com on Enterprise, a sales-led plan.

Do Bill.com and Melio reconcile your bank account?

Neither pricing page lists bank reconciliation as a feature. Both sync payments to the ledger as bills paid, which gives you the entry. They do not match the debit on your bank statement to that entry, flag the payment that cleared twice, or explain the check that never posted. That matching is a separate job.

It is a real job for payables teams. A batch of ACH payments can leave the bank as one line, a mailed check can clear weeks later, and card funded payments land in a different account than the bill they paid. Reconciler connects QuickBooks Online, Xero and NetSuite read-only, reads the bank next to the ledger, and writes a plain English reason under each match. It posts nothing, so it sits beside Bill.com or Melio and checks their work. See Reconciler pricing, which starts at $29 a month billed yearly, or the Melio pricing and alternatives page for the side by side.

What about the money coming in?

Both products also invoice customers, but collections is a different workload from payables. If customers pay late and the bigger problem is chasing them, a tool that sends reminders on every open invoice automatically is a better fit than stretching an AP tool. The money that does arrive still has to be matched to invoices, which is again the reconciliation step.

Questions to ask before you buy

• What does one more user cost? On Bill.com it is the full seat price. On Melio Core and Boost it is $10 a month.
• What happens past the free payments? Melio adds $0.50 each. Count your vendor payments, not your bills.
• Is the sync two-way? Bill.com says two-way on Team. Check what Melio's sync writes back for your ledger.
• Who proves the bank matches? If the answer is a person with a spreadsheet, budget that time.

Prices in this category change often, so confirm any figure on the vendor's own page. If your payables pain is really a stuck month end, the guides on WooCommerce Xero integration pricing and Etsy Xero integration pricing show how we compare tools on the inflow side.