BILL vs Melio
Two bill pay tools for small businesses. Melio has a free plan for a few bills a month; BILL is priced per user and adds approvals, invoicing and purchase orders.
Updated Oct 23, 2026. Prices are copied from each vendor's pricing page on the date shown. Software reviews only, not financial or accounting advice.
At a glance
| BILL | Melio | |
|---|---|---|
| What it does | Accounts payable and receivable for small businesses: bill approvals, vendor payments, invoicing and purchase orders, with AI agents that code invoices. | Simple bill pay: pay vendors and contractors by ACH, check, card or wire, with batch payments and accounting sync on paid plans. |
| Published price | Essentials $49/user/month, Team $65/user/month, Corporate $89/user/month, Enterprise custom. ACH payments $0.59 each.Vendor pricing page, checked | Go: $0 for one user with 5 free ACH payments a month. Core $25/month, Boost $55/month (lower when billed annually). $0.50 per ACH payment after the free monthly allowance.Vendor pricing page, checked |
| Pricing | Paid | Free plan |
| Works with | None listed in our review | None listed in our review |
| Our rankings | ||
| Website | bill.com | melio.com |
| Visit BILL | Visit Melio |
BILL
- What it does
- Accounts payable and receivable for small businesses: bill approvals, vendor payments, invoicing and purchase orders, with AI agents that code invoices.
- Published price
- Essentials $49/user/month, Team $65/user/month, Corporate $89/user/month, Enterprise custom. ACH payments $0.59 each.Vendor pricing page, checked
- Pricing
- Paid
- Works with
- None listed in our review
- Our rankings
- Website
- bill.com
Melio
- What it does
- Simple bill pay: pay vendors and contractors by ACH, check, card or wire, with batch payments and accounting sync on paid plans.
- Published price
- Go: $0 for one user with 5 free ACH payments a month. Core $25/month, Boost $55/month (lower when billed annually). $0.50 per ACH payment after the free monthly allowance.Vendor pricing page, checked
- Pricing
- Free plan
- Works with
- None listed in our review
- Website
- melio.com
Which one to pick
Our verdict on each, from its review.
BILL
Best all-round bill pay for a small business that has outgrown paying bills by hand. Per-user pricing adds up for big teams.
Melio
Best for very small businesses that want to start free and pay a few bills a month.
Where they rank
Rankings that include more than one of these tools. Position is in the full ranking.
- Best bill pay software for small businessesNo. 1 Melio · No. 2 BILL