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BILL and Melio

The same fields for both, from each vendor's own pages and the SEC, read on the dates shown. This table does not say which to choose: that depends on your requirements, and the guide's checklist is how to test them.

Published 29 October 2026; vendor pages read 29 October 2026.

FieldBILLMelio
Described as (our words)Payables, receivables and spend software for small and midsize businesses and accounting firms. Its spend product includes cards and budgets.Bill pay and receivables for small businesses, with a free plan and paid monthly plans. Payments beyond the free allowance carry a per-payment fee.
In its own wordsMeet BILL. Your AI-powered financial operations platform. (bill.com, read 29 October 2026)Pay any business bill, any way you want. (melio.com, read 29 October 2026)
Lists on its siteAccounts Payable; Accounts Receivable; Approvals; Procurement; Spend & Expense; Virtual Card; Budgets (bill.com)No module list taken from the pages we read.
PricingQuoted on request. The pricing page says Enterprise Custom Pricing (bill.com pricing, read 29 October 2026)The pricing page states After all free monthly payments have been used, a $0.50 charge will be applied to each payment (melio.com pricing, read 29 October 2026)
Integrations it namesXero; Sage; Microsoft; Intuit Quickbooks; Acumatica; Rillet (bill.com integrations)No integrations taken from the pages we read.
Public companySEC registrant: BILL Holdings, Inc., ticker BILL (EDGAR filings, CIK 1786352).No company named “Melio” in the SEC's list of companies with tickers, read 29 October 2026. A listing elsewhere, or a parent company, is not checked here.
Guides it appears inAP automation; Corporate cardsAP automation

Ask both of them

From the AP automation guide. Put the same questions to each vendor and compare the answers against your checklist.

  • Process ten of our own invoices, including a credit note and a duplicate, while we watch.
  • Show who can change a vendor's bank account, what verification is required, and the log.
  • Show a three-way match exception and how it is resolved.
  • How does an approval route when the approver is away?
  • Show the sync of one bill and its payment status to our ERP.
  • If you execute payments, whose bank account holds the funds, when do they leave it, and which payment rails do you use?

Sources

  1. BILL. bill.com/, read 29 October 2026.
  2. BILL. bill.com/product/pricing, read 29 October 2026.
  3. BILL. bill.com/integrations, read 29 October 2026.
  4. SEC EDGAR. sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001786352&type=10-K, read 29 October 2026.
  5. Melio. melio.com/, read 29 October 2026.
  6. Melio. melio.com/pricing/, read 29 October 2026.
  7. SEC EDGAR. sec.gov/files/company_tickers.json, read 29 October 2026.