Melio vs Ramp: Which Is The Top Pick in 2025?

Many businesses look to Melio and Ramp for their financial management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare to help you make an informed decision. Additionally, we'll also explore Rho as a third option worth considering.

Melio Overview

Melio operates in the accounts payable and receivable space, offering solutions primarily for professional services, food and beverage, construction, and retail sectors. Its main value proposition is to save businesses time on manual entry and enhance cash flow through streamlined workflows and automated tasks, all managed from a single dashboard.

Melio Features

Some of the key features of Melio include:

• Accounts Payable: Allows businesses to pay vendors, contractors, and any business bill through a streamlined process.
• Accounts Receivable: Enables businesses to send invoices and receive payments online, simplifying the collection process.
• Mobile App: Provides the ability to send and track payments on the go, ensuring flexibility and convenience.
• ACH Bank Transfers: Facilitates online payments to vendors using bank transfers, making the process efficient and secure.

Melio Pricing

Melio offers a range of subscription tiers to cater to different business needs:

• Go Plan: $0/month - Includes 5 free ACH transfers, QuickBooks sync, and multiple payment methods.
• Core Plan: $25/month - Adds 20 free ACH transfers, batch payments, and automated approval workflows.
• Boost Plan: $55/month - Offers 50 free ACH transfers, 2-day ACH transfer eligibility, and premium support.

The prices for each tier are publicly listed.

Drawbacks To Melio

General user reviews of Melio highlight its ease of use and integration capabilities, but some users have noted issues with payment processing delays and high fees.

• "Melio allows our business to process invoices automatically. The software is user-friendly, simple to install, and offers automated PO matching." - Dylan N J.
• "While Melio is easy to use, the delays in payment processing can be frustrating, especially when dealing with urgent transactions." - Stephen J.

For more detailed reviews, visit Melio Reviews 2025: Details, Pricing, & Features | G2.

Ramp Overview

Ramp operates in the spend management, corporate cards, and accounts payable solutions category. Its main value proposition is to save time and money for its customers by offering an all-in-one platform for corporate cards, bill payments, and accounting. Ramp primarily serves startups, small businesses, mid-market companies, and enterprises.

Ramp Features

Some of the key features of Ramp include:

• Corporate Cards: Issue cards with built-in controls to manage and control spending.
• Expense Management: Automate expense reporting and approval processes.
• Accounts Payable: Streamline bill payments and processing.
• Procurement: Manage procurement processes from intake to payment.

Ramp Pricing

Ramp offers a range of subscription tiers to cater to different business needs.

• Free Plan: $0/month/user - Includes unlimited corporate cards, expense policy enforcement, and basic approval workflows.
• Plus Plan: $15/month/user + platform fee - Adds advanced approval workflows, batch payments, and multi-entity support.
• Enterprise Plan: Custom pricing - Offers full customization, direct ERP integrations, and custom development.

Drawbacks To Ramp

The overall consensus of Ramp from the reviews is highly positive, with users appreciating its ease of use and comprehensive features for managing finance operations.

• "Ramp gives the ultimate power to our employees - to spend as needed, efficiently add a receipt, code the transaction for our budget and give a memo for the purchase." - Alison H.
• "The customer service 'Chat AI'. Ramp should consider finding people who know how to develop one. The current is clearly not AI based. It doesn't ask questions and can't solve much like a real support can." - Jered G.

For more detailed reviews, visit Ramp Reviews on G2.

What to Know Before Picking Melio or Ramp

Looking at the reviews as a whole, businesses using Melio often face delays in payment processing and high credit card payment fees. These issues can disrupt cash flow and increase operational costs, making it challenging for smaller businesses to manage finances efficiently.

On the other hand, Ramp users frequently report difficulties with exporting data into accounting software and delays in receiving employee cards. Additionally, the customer service "Chat AI" has been criticized for its ineffectiveness, which can be frustrating when immediate support is needed.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with payment processing delays and ineffective customer support. Our platform is designed to streamline financial operations, ensuring timely transactions and responsive assistance. By addressing these common pain points, we offer a more reliable and efficient solution for managing your business finances.

Rho Features

• AP Automation: Our platform allows you to pay hundreds of vendors in minutes with zero platform fees, addressing the high transaction fees often associated with Melio.
• Expense Management: We eliminate the need for traditional expense reports by capturing every receipt in real-time, solving the cumbersome expense reporting process that many businesses face.
• Rho Treasury: Our treasury¹ management feature safeguards idle cash and offers dynamic yield rates, providing a solution for businesses looking to maximize their cash reserves.
• Corporate Credit Cards: We offer corporate cards with real-time spend monitoring and custom controls, ensuring better financial control compared to Ramp's limited card management features.
• Integrations: Seamlessly integrate with your existing accounting, HR, and T&E software, streamlining operations and saving time on manual data entry.
• Private Banking Support: Our 24/7 private banking support ensures that you receive timely assistance, addressing the common issue of ineffective customer service found with other platforms.

Rho Pricing

We offer a straightforward and transparent pricing structure that eliminates many of the traditional fees you might find with other financial services. Unlike Melio and Ramp, our pricing is simple and easy to understand, with many features available at no cost.

• $0 Same-Day ACH fees: No charge for same-day ACH transactions, making it easy to move money quickly.
• $0 Wire fees: No charge for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: Access all our services without any monthly subscription fees.
• $0 Support fees: Enjoy free live support from day one without any additional charges.
• $0 Subscription fees: Use our platform without any subscription costs.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No per-user fees for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

• "Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Tyler M. (Chief Financial Officer, Small-Business)
• "Centralized system that is easy to use for all levels of the organization with exceptional customer service." - Sean F. (Chief Financial Officer, Mid-Market)
• "Rho has worked very well for my company to help us properly communicate and regulate what we need and when we need it." - Pete S. (Mid-Market)

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Melio, Ramp, and Rho—has its strengths. Melio excels in accounts payable and receivable, while Ramp offers robust spend management and corporate cards. However, both have drawbacks like payment delays and ineffective customer support.

This is where Rho comes in. We provide a seamless financial management experience with zero platform fees, real-time spend monitoring, and 24/7 private banking support. Our transparent pricing and comprehensive features make us a reliable choice for businesses seeking efficiency and reliability.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can streamline your financial operations. Get started with Rho today.