Both are strong choices. The short answer: pick PayPal if you are reaching buyers who prefer PayPal. Pick Melio if you are managing accounts payable cash flow.
| PayPal | Melio | |
|---|---|---|
| In one line | The checkout button shoppers already trust. | Pay vendors and bills by card even when they want checks. |
| Pricing | From 2.99% per transaction | Free ACH; card fees apply |
| Free tier | Yes | Yes |
| Best for | Reaching buyers who prefer PayPal | Managing accounts payable cash flow |
| Category | Payments & Invoicing | Payments & Invoicing |
| Website | paypal.com | melio.com |