Flowie vs Melio
Flowie
get-flowie.comMelio
melio.comSide by side
| Figure | Flowie | Melio |
|---|---|---|
| Price from | €12/mo | Free |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 3 | 6 |
| Spec score · Accounts Payable Software | 9.1 (#4) | 8.5 (#11) |
| Approval workflows | Yes | Supports multi-level approvals based on team members, roles, payment amounts, and vendors. |
| Free plan | Yes | Yes |
| Free plan limits | The Free plan allows up to 24 documents per month (300 per year), one entity, and basic processing without workflows. | The Go plan includes five free ACH payments per month, is limited to one user, and charges $0.50 for each ACH payment after the free monthly allowance. |
| Security controls | Production access requires multifactor authentication, role-based least privilege, joiner-mover-leaver controls and periodic access reviews. | Melio states that it uses TLS 1.2 or higher for data in transit, multi-factor authentication, 24/7 security monitoring, DDoS protection, and a private bug-bounty program. |
| What it does | Flowie is an agentic finance and procurement orchestration platform that coordinates procure-to-pay, order-to-cash and cash-flow processes over existing systems. | Melio is an all-in-one bill pay and invoicing platform for businesses, covering accounts payable, accounts receivable, and payment processing. |
Plans
Melio
- GoFree
- CorePrice not published
- BoostPrice not published
- UnlimitedPrice not published
- PlatinumPriced on request
- Free trial offerFree
In their own words
Melio
Melio is a bill pay and invoicing platform for businesses, covering accounts payable, receivable, and payment processing. It captures bills through OCR or email, supports approval workflows, and syncs payments with QuickBooks, Xero, or NetSuite. Businesses can pay by card, ACH, instant transfer, paper check, and other methods, including one-time, recurring, or batch payments. International vendor payments can be made in USD or local currencies, and vendors do not need an account to receive payment. Teams can assign roles such as viewers, approvers, and admins. The mobile app supports reviewing, approving, paying, and managing payables and receivables; web, Android, and iOS platforms are listed. Go is free for one user and includes five ACH payments each month, then $0.50 per ACH payment. The 90-day offer provides access to all features at no cost; afterward, accounts without a paid subscription convert to limited Go. Paid plans start at $25/mo after the trial. Melio says it is built for US businesses.