Melio review
Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Melio suits small businesses that want simple payments and bookkeeping with a free plan to start. Entry sits at $25 and support covers email, chat and phone, so a business can start at no cost and reach a person by phone or chat.
Key facts
- Best for
- Small businesses paying suppliers and customers on a phone-first setup.
- Price from
- $25 (Source, checked September 26, 2026)
- Free plan
- Yes (Source, checked September 26, 2026)
- Users included
- 1 (Source, checked September 26, 2026)
- Bank feeds
- Yes (Source, checked September 26, 2026)
- Platforms
- iOS (Source, checked September 26, 2026)
- Legal entity
- MELIO PAYMENTS INC. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Small business
- Pricing model
- Free plan
- Official website
- melio.com
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- A free plan is listed, so basic use costs nothing at entry
- Bank feeds are included, which suits everyday payment tracking
- Support runs on email, chat and phone, so phone and chat reach is there
- Built for small business and running under MELIO PAYMENTS INC.
Cons
- Entry price of $25 sits above the category median of €16.66
- The only app listed is ios, so desktop users have no named client
Who it suits
- Small businesses that want to send and receive payments without a subscription
- Owners who work mainly from a phone, given apps for ios
- Teams that need bank feeds for reconciliation
Who should look elsewhere
- Buyers wanting full multi-platform apps, since only ios is listed
- Price-first shops that will stretch past the free plan, because entry is $25
- Users in regions that need local tax reporting rather than US-focused payments
Plans and pricing
Melio entry is $25, and a free plan is listed for basic use. A single user seat is included, priced at 1. For comparison, Qonto starts at €9, Accountable at €9.90 and Billy at DKK 160. The entry figure is the number to weigh against the category median of €16.66.
How Melio compares
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 9.1- 9.0 vs 9.2
9.0 vs 9.5
9.0 vs 9.0Entry price of €9 is lower than Melio at $25.
- 9.0 vs 8.8
9.0 vs 9.2- 9.0 vs 9.0
- 9.0 vs 8.9
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.0
Where Melio is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does Melio have a free plan?+
Yes. A free plan is listed, so you can start at no cost. Entry pricing is $25 for the paid side, and a single user seat is included at 1. The free plan is the model named for the brand.
How much does Melio cost to start?+
Entry pricing is $25. That is above the category median of €16.66. Qonto starts lower at €9 and Accountable at €9.90, so price-first buyers have cheaper entry elsewhere.
Does Melio connect to bank feeds?+
Yes, bank feeds are included. That is the main reason most competitors in the category also offer them, and it helps a small business keep payment records tidy. Support runs on email, chat and phone if a feed needs attention.
Who is Melio built for?+
Melio is aimed at small business. It was founded in 2018 and runs from US under MELIO PAYMENTS INC.. Support is offered through email, chat and phone.
Does Melio have an app?+
Melio lists apps for ios. Owners who work from a phone can pay and get paid there. No other platform is named in the details.
How many users are included?+
Pricing covers 1. Additional seats are not described in the details, so check with the provider before adding staff. Support runs on email, chat and phone for such questions.
Can I reach Melio support?+
Yes. Support channels include email, chat and phone, so help centre, phone, chat and email are all available. A help centre is the most common route in this category.
Sources
- apps.apple.com/us/app/melio-business-payments/id1600209586 checked September 26, 2026
Backs: Platforms
“trackName=Melio Business Payments; sellerName=Melio Payments Inc.”
- help.melio.com/hc/en-us/articles/7715433917596-Does-Melio... checked September 26, 2026
Backs: Free plan, Pricing model, Audience
“Go (Free plan)”
- melio.com/terms-of-service/meliopayments checked September 26, 2026
Backs: Bank feeds
“have a valid deposit account at a Melio-supported bank”
- opendatalei.com/lei/549300W74HHEOET33G05 checked September 26, 2026
Backs: Legal entity
“MELIO PAYMENTS INC. (LEI# 549300W74HHEOET33G05) is a legal entity”
- resolvepay.com/blog/resolvepay-vs-melio-vs-bluevine checked September 26, 2026
Backs: Price from
“Core | $25 | 20 free ACH/month”
- thedigitalmerchant.com/melio-vs-veem checked September 26, 2026
Backs: Support channels
“Customer Support | Chat, phone, email”
- businesswire.com/news/home/20210715005091/en checked September 26, 2026
Backs: Founded, Headquarters
“Melio was founded by CEO Matan Bar, CTO Ilan Atias, and COO Ziv Paz in 2018, with headquarters in New York”
- erp-information.com/melio checked September 26, 2026
Backs: Users included
“The Go plan is free but limited to one user”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free trial length, Local compliance.