MelioFreemium
Bill pay for small businesses with a real free tier — ACH, card, and check payments, AI bill capture, approvals, and QuickBooks and Xero sync, now owned by Xero.
Finance & Admin comparison
Melio vs Numeric
Pricing, pros, cons, and ideal use cases — side by side.
NumericPaid
AI-assisted month-end close platform. Automates close checklists, flux analysis, and journal entry review for accounting teams.
At a glance
| Melio | Numeric | |
|---|---|---|
| Pricing | FreemiumGo $0, free forever, one user, 5 free ACH payments/month. Core $25/mo monthly or $20/mo annual, 20 free ACH/month, $10/mo per additional user ($8 annual). Boost $55/mo or $44/mo annual, 50 free ACH/month, same per-user add-on. Unlimited $80/mo or $64/mo annual with unlimited users and unlimited free ACH. Platinum is custom for $300K+/month volume. Paid plans are shown free for the first 90 days. As read on the vendor's pricing page in early October 2026. | PaidPricing on request, typically scales with entity count and team size. |
| Category | Finance & Admin | Finance & Admin |
| Ideal for | Owner-operators paying a few dozen vendor bills a monthBookkeepers running AP for several small clientsXero and QuickBooks Online shops that want bill pay synced to the ledgerBusinesses that want to pay ACH-only vendors by card for the float | Series A+ finance teamsFractional controllersMulti-entity SMBsCompanies preparing for audit |
Pros & cons
Melio
Pros
- Free tier includes real ACH bill pay and AI bill capture
- Full price ladder published
- Pay ACH-only vendors by credit card
- Reliable QuickBooks Online and Xero sync, the most-cited positive in reviews
- Now part of Xero (acquisition completed October 2025, trade-press reported)
Cons
- Support is hard to reach by phone or chat
- Approval workflow is thin next to Bill.com or Stampli
- Some Capterra reviewers report failed payments without notice — reconcile often
- Free tier is one user and five ACH payments
- Capterra rating of 4.2/5 trails the category leaders (third-party)
Numeric
Pros
- Cuts close time meaningfully
- AI flux analysis is genuinely useful
- Audit-ready support
- Strong integrations
Cons
- Pricing not transparent
- Requires a finance team to get value
- Overkill for owner-operated SMBs
Which should you choose?
Melio is the lighter-weight option (Freemium), while Numeric sits higher on the pricing ladder (Paid). Melio is built around owner-operators paying a few dozen vendor bills a month; Numeric leans more toward series a+ finance teams. Shortlist the one whose strengths line up with your biggest constraint.
Still deciding between Melio and Numeric?
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