Melio vs Ramp AP
Melio
melio.com
Ramp AP
ramp.comSide by side
| Figure | Melio | Ramp AP |
|---|---|---|
| Price from | Free | $15/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 6 | 3 |
| Spec score · Accounts Payable Software | 8.5 (#11) | 9.5 (#1) |
| Accounting integrations | Melio integrates with QuickBooks Online, QuickBooks Desktop, Xero, and NetSuite, with payments syncing to accounting software after transactions. | Bill Pay syncs with 10 ERPs, including NetSuite, Sage Intacct, and QuickBooks. |
| Approval workflows | Supports multi-level approvals based on team members, roles, payment amounts, and vendors. | Yes |
| Free plan | Yes | Yes |
| Invoice capture | ai | Ramp’s OCR captures invoice details with 99% accuracy. |
| Multi-entity support | Yes | Yes |
| Payment execution | Yes | Yes |
| 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. | Bill Pay supports ACH, same-day ACH, card, check, domestic wire, and international wire payments. |
| Target customers | Melio says it is built specifically for US businesses and is especially valuable for small and midsized businesses moving beyond spreadsheets or paper-based bill pay. | Ramp describes its AP product for small and fast-growing companies, mid-sized finance teams, and multi-entity organizations with complex accounting needs. |
| What it does | Melio is an all-in-one bill pay and invoicing platform for businesses, covering accounts payable, accounts receivable, and payment processing. | Ramp Bill Pay processes invoices, manages approvals, and pays vendors through an AI-powered accounts payable workflow. |
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.
Ramp AP
Ramp AP handles invoice capture, approval routing, and vendor payments through an accounts payable workflow. Ramp says its OCR captures invoice details and line items with 99% accuracy. Bills can be routed to configured approvers, and administrators can control who views, approves, or pays them while maintaining separation of duty. Payment options include ACH, same-day ACH, card, check, domestic wire, and international wire. The free Bill Pay tier includes core features without a monthly software fee, but payment charges vary: standard ACH costs $0.59, checks $1.99, same-day ACH $10, domestic wires $15, and SWIFT USD wires $20. Ramp Plus is listed at $15 a month, plus a platform fee based on team size, and offers a free 30-day trial. Ramp AP can operate without Ramp corporate cards or expense management, and vendors need no Ramp account to receive payment. It connects with named accounting tools including QuickBooks Online, Xero, NetSuite, Sage Intacct, Acumatica, and Microsoft Dynamics 365 Business Central. Access is listed for web, Android, iOS, API, and extension; Ramp says it has no native Mac or Windows desktop app.