Melio vs Paymentus
Melio
melio.com
Paymentus
paymentus.comSide by side
| Figure | Melio | Paymentus |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 6 | 2 |
| Spec score · Bill Payment Software | 8.3 (#2) | 7.8 (#4) |
| Company scale | Melio says it processes tens of billions of dollars in payments every year for hundreds of thousands of US businesses and their vendors, plus thousands of accounting firms. | Paymentus says its product serves thousands of billers and financial institutions and processed more than 700 million payments in 2025. |
| Payment methods | Businesses can pay vendors by ACH bank transfer, card, wire transfer, or check, and vendors do not need a Melio account to receive payment. | Supported rails and methods include ACH, eCheck, debit and credit cards, RTP, Apple Pay, Google Pay, PayPal, Venmo and retail cash payments. |
| Security certifications | Melio states that it undergoes an annual SOC 2 Type II audit and lists ISO/IEC 27001:2022, ISO/IEC 27017:2015, and ISO/IEC 27018:2019. | Paymentus lists PCI DSS, HIPAA, SOC 1 Type 2 and SOC 2 Type 2 compliance in its trust center. |
| Security controls | 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. | The trust center lists multifactor authentication, role-based access control, encryption at rest and encryption in transit. |
| What it does | Melio is an all-in-one bill pay and invoicing platform for businesses, covering accounts payable, accounts receivable, and payment processing. | Paymentus provides cloud billing, electronic bill presentment, payment processing, money movement and customer communications for billers and financial institutions. |
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.
Paymentus
Paymentus provides billing, payment, and customer interaction capabilities for service providers and financial institutions. Its listed sectors include insurance, utilities, government, telecom, property management, healthcare, higher education, banking, and consumer finance. Consumers can pay through web portals, one-time web payments, IVR, in-person locations, text, email, chatbots, or BillWallet. Payment methods include cards, ACH/eCheck, cash, PayPal, PayPal Credit, Venmo, Apple Pay, and Google Pay. The platform supports AutoPay, recurring and scheduled payments, one-time payments, and pay now/pay later options. Agent Dashboard provides transaction visibility, reporting, reconciliation, agency analytics, and digital adoption monitoring. Paymentus says it integrates with 450+ systems of record and offers APIs, SDKs, and the Pixels by Paymentus toolkit. Other tools cover vendor invoicing, payables, receivables, expenses, employee expense cards, and digital disbursements including refunds and deposits. Paymentus was founded in 2004 and says it went public in 2021. It lists Android, API, iOS, and web availability. Pricing is on request.