Melio vs BILL AP
Accounts Payable pricing comparison · 2026
Melio pricing ranges from $0–$80/per month, while BILL AP ranges from $49–$89/per user/month. Melio is typically 64% more affordable, though your actual cost depends on tier and team size.
Melio
Melio is an accounts payable platform for small businesses that sends ACH bank transfers,
verified 12w ago
$360
$545
BILL AP
BILL AP pricing starts at $49/month for the Essentials plan, with the Team plan at $65/mon
verified 5w ago
$360
$545
Recorded annual contract medians
Melio
median is
$185
less than
BILL
· different customer contracts; not a quote
Cheapest
$360
Spread
34%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Boost
$660/yr
year 1 license · flat plan price
Team
$20K/yr
year 1 license · $65/seat
What buyers actually pay
median, annual
Vendr deal-flow data. The real benchmark, not list price.
↓ Lowest median
Median annual
$360/yr
Vendr · n=9 · limited data
Median annual
$545/yr
Vendr · n=192
REF · 01
Sources & confidence
Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.
Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources
16 sourced facts
12 hidden-cost · 1 contract · Vendr median · 2 review platforms
Last verified
2mo ago
Confidence
High confidence
Sources
3 sourced facts
2 contract · Vendr median
Last verified
1mo ago
Confidence
Medium confidence
REF · 02
Plans at a glance
Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.
Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 04
Contract terms
The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.
Melio
BILL
Auto-renewal
Yes
Yes
Cancellation
✓
Cancel anytime by emailing support@meliopayments.com
Users can request cancellation at any time, with the cancellation becoming effective on the last day of the billing cycle in which the request is made, or the date on which the last requested payment is posted and completed, whichever is later, and users are responsible for all service fees accrued up to the effective date.
Commitment
✓
None (month-to-month available)
Annual commitments are common, and buyers should inquire about the contract term and the ability to reduce seats mid-term.
Price escalation
Melio introduced paid plans in late 2024 after previously being entirely free. Users report features being moved behind paywalls without advance notice.
—
Can downgrade
✓
Yes
—
REF · 05
What users say
Aggregated, with sample sizes. We use whichever review platform has data.
User reviews
TrustRadius · Trustpilot · G2
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
Visit Melio pricing
Affiliate partner — does not affect ranking.
License cost is computed from publicly listed plans (real math, list price × seats).
Median annual cost is from Vendr's deal flow when available — see source badges.
Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
VS
Melio and BILL AP both operate in the accounts payable category. This page compares their list pricing.
Plan-by-Plan Pricing
| Plan | Melio | BILL AP |
|---|---|---|
| Go | Free /per month | $49 /user/month |
| Core | $25 /per month | $65 /user/month |
| Boost | $55 /per month | $89 /user/month |
| Unlimited | $80 /per month | Custom |
| Platinum | Custom | — |
Cost at Scale
Total cost of ownership — licenses, implementation, and hidden costs included.
Melio
6 scenarios$1,392/year
Solo Operator (5 payments/month)
$5,850/year
Small Team on Core (30 payments/month)
$1,668/year
Growing Business on Unlimited (100 payments/month)
BILL AP
3 scenarios$90/month (2 users × $45)
Small business (50 invoices/month)
+ occasional ACH fees
$275/month (5 users × $55)
Mid-sized company (200 invoices/month)
+ payment processing fees
$1,185/month (15 users × $79)
Enterprise organization (1,000+ invoices/month)
+ custom Enterprise features + expedited ACH fees
Market Intelligence
Melio
- Median annual cost
- $360
- Based on
- 9 deals
BILL AP
- Median annual cost
- $545
- Based on
- 192 deals
Contract Terms
| Term | Melio | BILL AP |
|---|---|---|
| Auto-renewal | Yes | Yes |
| Cancellation | Cancel anytime by emailing support@meliopayments.com | Users can request cancellation at any time, with the cancellation becoming effective on the last day of the billing cycle in which the request is made, or the date on which the last requested payment is posted and completed, whichever is later, and users are responsible for all service fees accrued up to the effective date. |
| Minimum commitment | None (month-to-month available) | Annual commitments are common, and buyers should inquire about the contract term and the ability to reduce seats mid-term. |
| Price escalation | Melio introduced paid plans in late 2024 after previously being entirely free. Users report features being moved behind paywalls without advance notice. | — |
| Can downgrade | Yes | — |