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ActiveCampaign vs Melio: 2026 Comparison

ActiveCampaign Melio
Overview Advanced email marketing and automation platform combining email, CRM, and machine learning for personalized customer experiences. A free B2B payment platform for small businesses to pay vendors by bank transfer or card and manage accounts payable.
Pricing Subscription ($29-259/mo) Freemium (Free (2.9% for card payments))
Key Features
  • Marketing automation
  • CRM
  • Site tracking
  • Split testing
  • Predictive sending
  • SMS marketing
  • Lead scoring
  • Bill payments
  • ACH transfers
  • Card payments
  • Approval workflows
  • Vendor management
  • Scheduling
  • Accounting sync
  • Batch payments
Pros
  • Powerful automation
  • Built-in CRM
  • Excellent deliverability
  • Machine learning features
  • Free for bank transfers
  • Easy to use
  • Good for small businesses
  • Pay by card earn rewards
Cons
  • Steep learning curve
  • Higher price point
  • Complex for beginners
  • Card payment fees
  • Limited AP automation
  • US only
  • Basic reporting

ActiveCampaign

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Melio

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