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 27d ago
$360
$545
Verdict · Vendr median · year 1
Melio
saves
$185
vs
BILL
· 25 seats
Cheapest
$360
Spread
34%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Boost
$17K/yr
year 1 license · $55/seat
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
3w ago
Confidence
High confidence
Sources
1 sourced fact
Vendr median
Last verified
3w 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 · 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