Bill.com vs Melio
Choose Bill.com if you need bill pay alongside corporate cards, budgets, and procurement; choose Melio if you want a free one-user bill-pay plan or prefer to track expenses on the business cards you already use. Both offer vendor payments, invoicing, approvals, accounting integrations, and mobile apps. The practical choice depends on your payment volume, team size, accounting system, and whether you want new corporate cards or to keep your existing ones.
Last updated October 27, 2026.
At a glance
| Dimension | Bill.com | Melio |
|---|---|---|
| AP and AR subscription | Essentials $49, Team $65, Corporate $89 per user/month; Enterprise custom | Core $25, Boost $55, Unlimited $80/month; Platinum custom |
| Free plan | Spend & Expense $0 per user/month; AP and AR paid | Go $0/month; one user |
| Standard ACH payments | $0.59 per ACH/ePayment | 5, 20, 50, or unlimited free/month by plan; then $0.50 each |
| Additional users | AP and AR priced per user | Go one user; Core and Boost $10/additional user/month; Unlimited unlimited |
| Accounting sync | QuickBooks and Xero automatic two-way sync from Team | QuickBooks Online and Xero sync from Core |
| ERP integrations | NetSuite, Sage Intacct, Microsoft Dynamics, and others on Enterprise | NetSuite sync on Unlimited |
| Expense management | Corporate cards, budgets, and expense tracking | Receipt capture and categorization using existing cards |
| Procurement | Purchase requests and orders on Corporate and Enterprise; add-on for lower tiers | Not published |
| Approvals | Automated workflows; custom policies from Corporate | Custom approval workflows from Core |
| Invoicing | Invoices and ACH or card collection in AP and AR plans | Invoicing and bank or card collection in every plan |
| Platforms | Web; iOS and Android apps | Web and mobile app |
| Support | Live chat and phone support; premium phone support on Enterprise | Live chat and email; priority chat from Core, premium phone from Boost |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Bill.com if
- Teams seeking corporate cards with budgets and spend controls
- Businesses needing purchase requests and purchase orders
- Finance teams using Sage Intacct or Microsoft Dynamics
- Companies needing custom AP approval policies
Choose Melio if
- One-person businesses seeking a free bill-pay plan
- Teams that want monthly ACH payments included with their plan
- Businesses that want to keep their existing expense cards
- Teams seeking unlimited user seats on a published-price plan
The verdict
Pick Bill.com when corporate cards and budget controls are central to your workflow, or when you need its published procurement features and broader Enterprise accounting integrations. Pick Melio when its free Go plan, plan-based ACH allowances, or existing-card expense tracking fit your business. Compare the subscription and transaction fees against your actual number of users and payments before deciding.
Bill.com vs Melio: common questions
- Can I pay bills for free with Bill.com or Melio?
- Melio's Go bill-pay plan costs $0 per month for one user and includes five free ACH payments monthly; additional standard ACH payments cost $0.50 each. Bill.com's AP and AR subscriptions start at $49 per user per month. Its separate Spend & Expense product has no per-user software fee.
- How do ACH payment fees compare?
- Bill.com lists a $0.59 fee for a standard bank-funded ACH/ePayment. Melio includes five, 20, 50, or unlimited standard ACH payments per month depending on the plan, then charges $0.50 per payment after a limited plan's allowance is used.
- Which works with QuickBooks and Xero?
- Bill.com offers automatic two-way sync with QuickBooks and Xero starting on its Team AP and AR plan; Essentials uses manual CSV import and export. Melio lists QuickBooks Online and Xero sync starting on Core.
- Can Bill.com and Melio sync with NetSuite?
- Yes. Bill.com lists automatic two-way NetSuite sync on Enterprise. Melio lists NetSuite sync on Unlimited.
- Which should I use for employee expenses?
- Bill.com Spend & Expense provides corporate cards, budgets, and expense tracking. Melio Expense Management lets businesses connect cards they already use and collect and categorize receipts. The deciding factor is whether you want a corporate-card program or to keep your existing cards.
- Do both products support invoicing?
- Yes. Bill.com's AP and AR plans include invoicing and collection by ACH or credit card. Melio includes invoicing and collection by bank transfer or card in every plan.
- Can I approve bills from my phone?
- Yes. Bill.com's mobile app supports bill review and approval. Melio's mobile app supports approving or declining payments and receiving approval reminders.
- Which is a better fit for a growing team?
- Melio publishes an $80-per-month Unlimited plan with unlimited user seats and free standard ACH payments. Bill.com prices AP and AR per user and offers custom approval policies from Corporate, with procurement and additional ERP integrations available by tier. Compare the features you need and your expected user and payment counts.