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Airbase vs Melio: 2026 Comparison

Airbase Melio
Overview A comprehensive spend management platform combining corporate cards, bill pay, expense reimbursements, and procurement. A free B2B payment platform for small businesses to pay vendors by bank transfer or card and manage accounts payable.
Pricing Subscription (Custom pricing) Freemium (Free (2.9% for card payments))
Key Features
  • Corporate cards
  • Bill pay
  • Expense management
  • Procurement
  • Virtual cards
  • Approval workflows
  • Accounting automation
  • Analytics
  • Bill payments
  • ACH transfers
  • Card payments
  • Approval workflows
  • Vendor management
  • Scheduling
  • Accounting sync
  • Batch payments
Pros
  • Comprehensive spend management
  • Good approval workflows
  • Strong accounting sync
  • Virtual cards
  • Free for bank transfers
  • Easy to use
  • Good for small businesses
  • Pay by card earn rewards
Cons
  • Expensive
  • Complex setup
  • Enterprise-focused
  • Custom pricing only
  • Card payment fees
  • Limited AP automation
  • US only
  • Basic reporting