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Bigin by Zoho vs Melio: 2026 Comparison

Bigin by Zoho Melio
Overview A pipeline-centric micro CRM by Zoho designed for small businesses that need simple deal tracking without complexity. A free B2B payment platform for small businesses to pay vendors by bank transfer or card and manage accounts payable.
Pricing Freemium (Free-$12/user/month) Freemium (Free (2.9% for card payments))
Key Features
  • Pipeline management
  • Built-in telephony
  • Email integration
  • Workflow automation
  • Connected pipelines
  • Team pipelines
  • Mobile app
  • Custom dashboards
  • Bill payments
  • ACH transfers
  • Card payments
  • Approval workflows
  • Vendor management
  • Scheduling
  • Accounting sync
  • Batch payments
Pros
  • Very affordable
  • Simple and focused
  • Zoho ecosystem
  • Good mobile app
  • Free for bank transfers
  • Easy to use
  • Good for small businesses
  • Pay by card earn rewards
Cons
  • Very basic features
  • Limited customization
  • Not for growing teams
  • Minimal reporting
  • Card payment fees
  • Limited AP automation
  • US only
  • Basic reporting

Bigin by Zoho

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Melio

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