Both are strong choices. The short answer: pick Melio if you are managing accounts payable cash flow. Pick Square if you are in-person sellers and retail.
| Melio | Square | |
|---|---|---|
| In one line | Pay vendors and bills by card even when they want checks. | Card readers, POS and online payments for physical businesses. |
| Pricing | Free ACH; card fees apply | Free POS; 2.6% + 10c in person |
| Free tier | Yes | Yes |
| Best for | Managing accounts payable cash flow | In-person sellers and retail |
| Category | Payments & Invoicing | Payments & Invoicing |
| Website | melio.com | squareup.com |