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Act! vs Melio: 2026 Comparison

Act! Melio
Overview A long-standing CRM and marketing automation platform trusted by small and midsize businesses for over 35 years. A free B2B payment platform for small businesses to pay vendors by bank transfer or card and manage accounts payable.
Pricing Subscription ($30-$50/user/month) Freemium (Free (2.9% for card payments))
Key Features
  • Contact management
  • Opportunity tracking
  • Marketing automation
  • Custom dashboards
  • Mobile access
  • Integration
  • emarketing
  • Calendar management
  • Bill payments
  • ACH transfers
  • Card payments
  • Approval workflows
  • Vendor management
  • Scheduling
  • Accounting sync
  • Batch payments
Pros
  • Long track record
  • On-premise option
  • Good for small businesses
  • Established user base
  • Free for bank transfers
  • Easy to use
  • Good for small businesses
  • Pay by card earn rewards
Cons
  • Interface feels dated
  • Limited modern integrations
  • Marketing features are basic
  • Mobile app is limited
  • Card payment fees
  • Limited AP automation
  • US only
  • Basic reporting