Does Melio charge any fees?

  • Updated

Melio doesn’t charge you any subscription fees. 


Here’s a few important notes to consider when scheduling your payments: 

  • Standard payments made via ACH bank transfer are free. 
  • International payments in USD are charged a fixed fee of $20 per transaction. 
  • Credit card and debit card payments carry a 2.9% processing fee - you’ll get a separate bill for this.
  • FAST ACH is not available when paying by credit or debit card.


A breakdown of our fees

Payment method Delivery method Cost

ACH bank transfer






ACH bank transfer Free
Paper check $1.50 per check
FAST check $20 fixed fee
FAST ACH bank transfer 1% (max $30)
Instant payment 1.5% (max $50)
International payment $20 fixed fee
ACH bank transfer or card Debit card 1%




Check/ ACH bank transfer  2.9% fee (but checks are free)
Instant payment 2.9% fee + 1.5% (max $50)
FAST check  2.9% fee + $20 fixed fee
Mastercard credit card International payment 2.9% fee + $20 fixed fee

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