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 Ramp
Pricing, pros, cons, and ideal use cases — side by side.
RampFreemium
Corporate card + bill pay + expense AI on one platform. Free corporate card; bill pay free up to a generous monthly cap.
At a glance
| Melio | Ramp | |
|---|---|---|
| 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. | FreemiumCard and core platform free. Plus is $15 per user/month plus a platform fee that depends on team size, with 20% off on annual billing. Enterprise is custom on annual billing. As read on the vendor's pricing page in early October 2026. |
| 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 | US SMBs $50K+/month spendStartupsAgenciesProfessional services |
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)
Ramp
Pros
- Free corporate card with cashback
- AI categorization at swipe time
- Strong AP automation
- Now the leading independent SMB spend platform
Cons
- US-only
- Requires bank verification and history
- Some advanced features are paid
Which should you choose?
Melio is built around owner-operators paying a few dozen vendor bills a month; Ramp leans more toward us smbs $50k+/month spend. Shortlist the one whose strengths line up with your biggest constraint.
Still deciding between Melio and Ramp?
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