Faster payments
Melio offers faster payments that arrive the same day, or even within a few minutes.
Melio vs. Plastiq: Which one is right for you?
Both Melio and Plastiq enable card payments to vendors who don’t accept cards. Melio, however, sets a new standard with faster payment speeds, lower ACH fees, and a platform that is truly built for business payments. Last updated: February 2026
Faster. Cheaper. Time-saver.
Features
Melio
Plastiq
Features
Instant payments
Pay By Card
Card fee
2.9%
2.99%
Card to ACH delivery speed
Same day
Up to 3 days
Card to check delivery speed
5 business days
8 business days
Free ACH payments
ACH fee (after free limit)
$0.50
$0.99
Special rates for high-volume businesses
W-9 collection & 1099 flows
QuickBook Desktop sync
Vendor credits
Classes & locations
Phone support
Vendor-based approvals
Amount-based approvals
International payments (USD & FX)
The top choice for over 100,000 business owners
Why businesses choose Melio
Free payments
Melio lets you get paid for free with card to ACH payments. Plastiq charges $0.99 per ACH payment.
W-9 & 1099 e-filing
Melio offers useful tax tools like W-9 collection and 1099 e-filing workflows. Plastiq does not offer these features.
See Melio vs. Plastiq in Action:
Scaling your payments while saving you time
15+
Hours saved on bill pay every month (average)
40M+
Bills paid on time through our platform
$100B+
Dollars we processed securely
2M+
Vendors that got paid
*Based on internal data, user surveys, and company records.
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Melio vs. the alternatives
FAQ
Melio offers same-day card-to-ACH delivery.1 Plastiq typically takes 3 days or charges extra for same-day delivery.
Yes—Melio offers packages of free ACH in every plan and charges $0.50 per ACH when funded by a bank, compared to Plastiq’s $0.99 for every transaction.
Yes. Melio offers instant payments (RTP), while Plastiq does not.
Yes—Melio includes W-9 and 1099 e-filing, which Plastiq lacks.
