BILL vs Melio: AP Software for Small Businesses Compared

Bill AP / Payments

BILL is a financial operations platform for small and midsize businesses and accounting firms. It automates accounts payable and receivable, bill payments and approvals.

Pricing: Essentials $49, Team $65, Corporate $89 per user/month source

Melio AP / Payments

Melio is a B2B payments platform for small businesses. It lets companies pay bills and get paid by ACH, card or check, with accounting-software sync.

Pricing: Free plan; Core $25/mo + $10/mo per extra user source

Routable AP / Payments

Routable automates mass payouts and accounts payable. It handles vendor onboarding, approval flows and payments at scale.

Pricing: Growth $1,250/mo source

Stampli AP / Payments

Stampli is a procure-to-pay platform for finance teams that sits on top of the ERP. Its AI assistant, Billy, helps code and route invoices across AP, procurement, vendor management and payments.

Pricing: Not publicly listed

Tipalti AP / Payments

Tipalti is finance automation software for accounts payable, mass global payments, procurement, expenses and treasury. It is often used by companies paying suppliers or partners in many countries.

Pricing: Not publicly listed

Ottimate AP / Payments

Ottimate is AI-powered accounts payable automation software. It processes invoices, syncs to accounting systems and gives finance teams control over AP.

Pricing: Not publicly listed

Is Melio free?

Melio publishes a free plan. Its Core plan is $25 per month plus $10 per month for each extra user.

How much does BILL cost?

BILL lists Essentials at $49, Team at $65 and Corporate at $89 per user per month.

Which is better for accounting firms?

BILL explicitly positions itself for accounting firms as well as small and midsize businesses.