Home / Payroll, AP/AR & Bill Pay with AI
Melio
Bill-pay and receivables platform that firms run for clients at no firm subscription cost, syncing to QuickBooks, Xero and NetSuite.
| What the AI does | Agent Mel AI assistant answers questions about client AP; AI extracts bill details in bill capture for review before payment |
|---|---|
| Who it serves | Small CPA firms, Bookkeeping practices, CAS practices |
| Starting price | Free for firms; client plans Go free, Core $25/mo, Boost $55/mo, Unlimited $80/mo (+$10/user on Core and Boost) |
| Pricing model | Freemium subscription + transaction fees |
| Free trial | Free plan available |
| Best fit | Solo practitioner, Small firm |
| Category | Payroll, AP/AR & Bill Pay with AI |
| Works with | QuickBooks Online, Xero, NetSuite, Tax1099 |
| SOC 2 | Not stated on the vendor's site |
| Checked | 2026-10-29, against the vendor's own page |
Who it's for
Melio is listed as a fit for solo practitioners and small firms, and the vendor names small CPA firms, bookkeeping practices and CAS practices on its own site. The job it gets hired for: running client payroll, bills and receivables through a firm console, with AI catching what's off.
What it costs
Melio has a free plan to start: Free for firms; client plans Go free, Core $25/mo, Boost $55/mo, Unlimited $80/mo (+$10/user on Core and Boost).
Good to know
Melio costs the firm nothing — no subscription however many clients you manage, with the Boost plan free for the practice — and clients get 45 days free and then 30% off any plan, rising to 45% off as the firm scales. Client list prices are Go free forever with five free ACH payments a month, Core $25/mo plus $10 per extra user, Boost $55/mo and Unlimited $80/mo with unlimited users and free ACH, every plan including free AR and invoicing. Agent Mel answers questions about client payables, and AI extracts bill details for review before payment. Bills, payments and vendor credits sync with QuickBooks, Xero and NetSuite, 1099s go out through Tax1099, and the Accounting Partner Program runs Bronze to Diamond with CPE training and co-marketing.
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