Compare · facts captured 2026-08-26
Melio is accountant-friendly bill pay and invoicing that syncs into QuickBooks or Xero. ficary is a leftover inbox on its own ledger. Sourced from melio.com/pricing, 2026-08-26.
Nominative comparison, not a partnership. Firm sales open when this suite is in the product. Tax prep stays last. ficary has not earned SOC 2, ISO 27001, or a HIPAA attestation. Nominative comparison only. No marquee-logo GTM. No distressed-reference case study.
| Axis | Melio | ficary |
|---|---|---|
| Job | Bill inbox, ACH/check/card pay, AR invoicing, accountant tools | Leftover inbox + bills on one ledger |
| Ledger | QuickBooks and Xero sync on paid plans. NetSuite on Unlimited | ficary is the ledger |
| Price | Go $0 (1 user, 5 ACH/month). Core $25/mo + $10/user. Boost $55. Unlimited $80 unlimited seats. Annual discounts on the same page | Owner Free/Pro. Firm SKU unpublished |
Choose Melio when one user needs five free ACH payments and the ledger stays in QuickBooks or Xero.
A cheap bill inbox, free ACH allotments, and an accountant program on top of QuickBooks. If paying bills this month on a file you will keep is the job, they already sell that.
Choose ficary when write-down, leftovers, and as-of have to live on the same books — not in a sync after the payment goes out.
The books. A paid bill on QuickBooks is not a closed month on a firm ledger. Leftovers and as-of AP live here.
Map a native export on Practice → Import. Vendors and open bills first. Do not re-key. Live one-click cutover is not shipped.
Isolation and private inference: Protected SKU. No earned SOC 2, ISO 27001, or HIPAA badge. No client stories and no unpublished seat prices.
For books and leftovers, yes for owners. For a shop that only needs cheap bill pay on QuickBooks this month, stay on Melio.
Public list on 2026-08-26: Go is $0 for one user with five ACH payments a month. Core is $25 per month plus $10 per extra user ($20 + $8 billed annually). Boost is $55 ($44 annual). Unlimited is $80 ($64 annual) with unlimited users. Extra ACH is $0.50 after the allotment. Source: melio.com/pricing.
Also: Melio alternatives · leave Melio · ficary vs BILL · ficary vs QuickBooks Online · ficary vs Xero · ficary vs Ramp · all comparisons
Practice + books
Google and Microsoft. As-of WIP. Realization. Fee caps. One close. Write us when you are ready to leave.