Melio vs Relay
A detailed comparison of Melio and Relay in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Melio
Business payments platform for paying vendors and managing accounts payable
Melio is a financial and accounting service that provides business payments platform for paying vendors and managing accounts payable. Founded in 2018 and headquartered in New York, New York, Melio offers 2 pricing plans. It offers a free tier as well as paid plans starting from $19.99/month. Key features include Vendor payments, ACH transfers, Check payments, Sync with accounting. Melio is a popular choice for users looking for quality finance subscriptions.
Relay
Business banking with collaborative tools and automatic categorization
Relay is a financial and accounting service that provides business banking with collaborative tools and automatic categorization. Founded in 2018 and headquartered in Toronto, Canada, Relay offers 2 pricing plans. It offers a free tier as well as paid plans starting from $30/month. Key features include Business checking, Profit first, Automatic routing, Team access. Relay is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Melio | Relay |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 2 | 2 |
| Year Founded | 2018 | 2018 |
| Headquarters | New York, New York | Toronto, Canada |
| Vendor payments | ||
| ACH transfers | ||
| Check payments | ||
| Sync with accounting | ||
| Approval workflows | ||
| Business checking | ||
| Profit first | ||
| Automatic routing | ||
| Team access | ||
| Accounting sync |
Pricing Comparison
Compare all available plans and pricing tiers
Melio Pricing
Relay Pricing
Frequently Asked Questions
Is Melio or Relay better in 2026?
Both Melio and Relay are excellent finance services. Melio offers Vendor payments and ACH transfers, while Relay features Business checking and Profit first. The best choice depends on your specific needs and budget.
How much does Melio cost compared to Relay?
Melio starts at $19.99/month, while Relay starts at $30/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Melio and Relay subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Melio and Relay. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Melio, Relay, or both — track all your subscriptions in one place with smart alerts and analytics.