Back Office Guide

Melio

Simple bill pay: pay vendors and contractors by ACH, check, card or wire, with batch payments and accounting sync on paid plans.

Our verdict
Best for very small businesses that want to start free and pay a few bills a month.

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.

From the vendor's pricing page, checked . Prices change; confirm on the vendor's site before you buy.

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Alternatives

Other tools in bill pay & accounts payable.

BILL

Paid

Accounts payable and receivable for small businesses: bill approvals, vendor payments, invoicing and purchase orders, with AI agents that code invoices.

Verdict. Best all-round bill pay for a small business that has outgrown paying bills by hand. Per-user pricing adds up for big teams.

Published price. Essentials $49/user/month, Team $65/user/month, Corporate $89/user/month, Enterprise custom. ACH payments $0.59 each. Checked Oct 22, 2026.

Plooto

Paid

Payables and receivables automation with approval workflows, invoice capture (OCR) and two-way sync with QuickBooks.

Verdict. Best for small teams in the US and Canada that want approvals and a QuickBooks sync without enterprise pricing.

Published price. Grow $32/month. Go $9/month (only for clients of accounting firms). Pro price on request. ACH payments $1 each. Checked Oct 22, 2026.

Accounts payable and global payouts with a self-service supplier portal, tax compliance checks and fraud detection.

Verdict. Best for growing companies that pay many vendors or contractors in other countries. More than a 10-person shop needs.

Published price. Accounts payable plans start at $99/month; mass payments plans start at $249/month. No free tier. Checked Oct 22, 2026.