---
title: Checkout.com vs Melio
products:
- checkout-com
- melio
updated_at: '2026-08-28T22:27:15Z'
---

# Checkout.com vs Melio

Side-by-side comparison of Checkout.com and Melio.

## Quick comparison

| Attribute | Checkout.com | Melio |
| --- | --- | --- |
| Category | Payment Processing Software | Payment Processing Software |
| Rating | 3.8/5 (5) | 4.6/5 (135) |
| Starting price | — | Free plan |
| Free plan | No | Yes |
| API | Yes | Yes |
| AI features | No | Yes |
| Open source | No | No |

## Shared features

- ACH Payment Processing
- API Integration
- Credit Card Processing
- Invoice Management
- Mobile Payments
- Multi-Currency Support
- PCI Compliance
- Real-time Notifications
- Reporting and Analytics
- Security and Encryption
- Transaction Management

## Unique strengths

**Checkout.com:** Customer Management, Digital Wallet Integration, Dispute Management, E-Commerce Integration, Fraud Detection, Payment Gateway, Point of Sale (POS) Integration, Refund Management

**Melio:** API / Developer platform, API for integrations / mass payouts, Accepts major card brands, Approval workflows / multiple approvers, Batch Processing, Bulk / batch bill payments / upload, Create and send invoices / AR functionality, Customizable Invoices

## Checkout.com

> Streamlined Global Payments Platform

- **Category:** Payment Processing Software
- **Vendor:** Checkout Ltd.
- **Website:** https://www.checkout.com/
- **Rating:** 3.8/5 (5 reviews)
- **Capabilities:** API

Checkout.com is a payment processing software used by businesses to facilitate seamless payments from customers around the world. The platform features fraud detection, and payment analytics, and also supports multiple payment methods so it can help companies boost their sales and minimize payment processing costs.

**Reviewer segments:** Small Business 80.0%; Mid Market 20.0%

**Deployment:** Cloud / SaaS / Web-Based, Mobile Android, Mobile iPad, Mobile iPhone

**Training:** Documentation

**Integrations (8):** Adobe Commerce, BigCommerce, Ecwid, Shopify, Squarespace, Wix, WooCommerce, Zoho Subscriptions

**Vendor:** Checkout Ltd. · London, England · founded 2012

## Melio

> Pay vendors and contractors any way you want — ACH, wire, card, or check; get paid online easily for free.

- **Category:** Payment Processing Software
- **Vendor:** Melio
- **Website:** https://melio.com
- **Rating:** 4.6/5 (135 reviews)
- **Capabilities:** AI, API

Melio is a cloud-based B2B payments platform for small and midsize businesses and accounting firms that combines accounts payable and accounts receivable capabilities. It supports paying vendors via ACH, card, wire, and mailed checks, offers AI-powered bill capture and an AI assistant, approval workflows, multi-user roles, accounting integrations (QuickBooks, Xero, NetSuite), a mobile app, and a payouts API (closed beta). Melio provides tiered plans including a free Go plan and enterprise offerings, and maintains SOC 2, ISO, and PCI-compliance posture via its processors.

**Pros:** - Generous free plan (Go) with meaningful features and free ACH allotment
- Covers both payables and receivables in one platform
- Strong integrations with QuickBooks, Xero, and NetSuite
- Flexible payment methods and speed options (ACH, card, wire, check, instant)
- Strong security and compliance posture (SOC 2, ISO standards, PCI via processor)
- API and platform options for partners and high-volume use (Payouts API in beta)

**Cons:** - Some advanced features (classes/locations, QuickBooks Desktop sync) limited to higher tiers
- Transaction fees (card percentages, check/wire fees) can be significant at high volumes
- Payouts API and some international rails are in limited/closed beta and not fully global
- Detailed/custom reporting/export capabilities were not clearly verified in public documentation

**Pricing:**
- Go: Free
- Core: $25.0 per month
- Boost: $55.0 per month
- Unlimited: $80.0 per month
- Platinum (Enterprise): Free

**Reviewer segments:** Small Business 95.6%; Mid Market 4.4%

**Deployment:** Cloud / SaaS / Web-Based, Mobile iPhone, Mobile Android

**Support:** Email/Help Desk, Chat, Knowledge Base, FAQs/Forum, Phone Support

**Training:** Documentation

**Integrations (11):** Every (Every.io), FreshBooks, Gusto, HubSpot, QuickBooks Online, Sage Intacct, Shopify, Tax1099, Xero, Zapier, Zoho Books

**Vendor:** Melio · New York, USA · founded 2018