Both are strong choices. The short answer: pick Wise Business if you are international invoicing and payouts. Pick Melio if you are managing accounts payable cash flow.
| Wise Business | Melio | |
|---|---|---|
| In one line | Multi-currency accounts with honest exchange rates. | Pay vendors and bills by card even when they want checks. |
| Pricing | Low FX fees, no monthly fee | Free ACH; card fees apply |
| Free tier | Yes | Yes |
| Best for | International invoicing and payouts | Managing accounts payable cash flow |
| Category | Payments & Invoicing | Payments & Invoicing |
| Website | wise.com | melio.com |
Wise Business details Melio details