Melio vs ZipBooks

See how their public offers line up before you choose your own position. Prices stay in the currency, billing schedule, and charged unit each vendor publishes.

Melio

See full pricing history

USD · US · source: melio.com

Plan	Pricing	Charged by	Offer type
Go — Free plan	Free $0 /free forever Limited to one user	Flat · Limited to one user	Standalone · Free

ZipBooks

See full pricing history

USD · US · source: zipbooks.com

Plan	Pricing	Charged by	Offer type
Starter — Free	Free Free	Flat	Standalone · Free
Smarter — 15	USD 15 monthly · USD 15 / month with annual commitment $15/month	Flat · $15/month	Standalone · Fixed
Sophisticated — 35	USD 35 monthly · USD 35 / month with annual commitment $35/month	Flat · $35/month	Standalone · Fixed

What each plan includes

Feature names follow each vendor’s own pricing page, so verify the wording before treating them as exact equivalents.

Melio

Go — Free plan

Highlights ACH payments: 5

Included
Highlights Pay by ACH, wire, or check: Included
Highlights Fast/Instant payments: Included
Highlights Set auto-pay: Included
Highlights Pay any bill by card: Included
Highlights AI bill capture: Included
Highlights Dedicated bills inbox: Included
Highlights Pay internationally: Included
Highlights Expense management: Included
Highlights Free AR & Invoicing: Included
Highlights Integrations: Included

ZipBooks

Starter — Free

Highlights Send unlimited invoices: Included
Highlights Manage unlimited vendors & customers: Included
Highlights Accept digital payments (Square or PayPal): Included
Highlights View Basic Reports: Included
Highlights Connect 1 bank account: Included

Smarter — 15

Highlights Everything in Starter: Included
Highlights Schedule recurring invoices with auto-bill: Included
Highlights Automate reminders: Included
Highlights Save invoice line items: Included
Highlights Connect multiple bank accounts: Included
Highlights Receive account notifications: Included
Highlights Track time: Included
Highlights Add 5 team members: 5

Included

Sophisticated — 35

Highlights Everything in Smarter: Included
Highlights Organize books with smart tagging (by location, project, and custom): Included
Highlights Reconcile every account quickly: Included
Highlights Lock completed books: Included
Highlights Share documents securely: Included
Highlights Generate insightful reports: Included
Highlights Invite unlimited users: Included

How their prices changed

Each dated row shows the public prices observed when that vendor’s pricing page changed.

Melio

August 27, 2026 Source
- Go — Free plan: Free

ZipBooks

August 27, 2026 Source
- Starter — Free: Free
- Smarter — 15: USD 15 monthly · USD 15 / month with annual commitment
- Sophisticated — 35: USD 35 monthly · USD 35 / month with annual commitment