Both let QuickBooks users pay vendors without leaving the books. Melio is free for ACH and works with any QuickBooks tier; QuickBooks Bill Pay is built into newer plans and may be simpler if you're already on QBO Plus or Advanced. Melio offers more payment flexibility.
Any QBO tier, flexible payment methods
QBO Plus/Advanced users wanting tight integration
| Feature | Melio | QuickBooks Bill Pay |
|---|---|---|
| Pricing | Free (ACH/check) | Free 5 ACH then $1.50/ACH |
| Card-funded ACH | 2.9% fee | Not supported |
| Pay any vendor | Yes (mails check) | Yes |
| Approval workflows | Basic | Multi-step on Advanced |
| Best for | Any QBO tier | QBO Plus or Advanced |
If you process more than 5 bills/month and you're not on QBO Advanced, Melio is cheaper. For full audit trail at scale, look at BILL.
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