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Affinity Photo vs Melio: 2026 Comparison

Affinity Photo Melio
Overview A professional photo editing application offering advanced retouching, HDR merge, panorama stitching, and RAW processing. A free B2B payment platform for small businesses to pay vendors by bank transfer or card and manage accounts payable.
Pricing One_time ($69.99) Freemium (Free (2.9% for card payments))
Key Features
  • RAW processing
  • HDR merge
  • Focus stacking
  • Panorama stitching
  • Frequency separation
  • Liquify
  • Batch processing
  • PSD support
  • Bill payments
  • ACH transfers
  • Card payments
  • Approval workflows
  • Vendor management
  • Scheduling
  • Accounting sync
  • Batch payments
Pros
  • One-time purchase
  • Professional quality
  • Fast performance
  • Full PSD support
  • Free for bank transfers
  • Easy to use
  • Good for small businesses
  • Pay by card earn rewards
Cons
  • Less third-party plugin support
  • Learning curve from Photoshop
  • No cloud library
  • Fewer AI features than Photoshop
  • Card payment fees
  • Limited AP automation
  • US only
  • Basic reporting

Affinity Photo

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Melio

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