The top 5 Melio competitors and alternatives for AP automation (2025)
- 1. Best overall Melio alternative: Ramp
- 2. Sage Intacct
- 3. Stampli
- 4. SAP Concur
- 5. Tipalti
- Choose the best-rated Melio alternative
If you’ve been searching for accounts payable (AP) automation software, chances are you’ve come across Melio. Melio is a platform that offers small and mid-sized businesses a simple way to manage and pay bills online.
While Melio is flexible, it’s not the only option out there. Melio has generally favorable ratings on G2, a software review website, with a 4.5 out of 5 star rating based on roughly 200 reviews. It’s always a good idea to compare alternatives to ensure you’re getting the features, scalability, and control your business needs.
To help you do just that, we’ve reviewed some of the top-rated AP automation platforms while observing user ratings on G2. Here are our top picks for Melio alternatives:
- 1. Ramp
- 2. Sage Intacct
- 3. Stampli
- 4. SAP Concur
- 5. Tipalti
Is Melio the right platform for your business? Here’s a full breakdown of our top 5 picks for Melio alternatives and competitors to choose from in 2025.
1. Best overall Melio alternative: Ramp
If you're looking for an all-in-one solution that streamlines AP workflows and gives you better control and visibility into spending, Ramp is the go-to choice. Our platform simplifies and automates accounts payable tasks from invoice capture to payment, while seamlessly integrating corporate cards, expense management, and vendor management all in one place.
While Melio focuses heavily on payments, Ramp tackles the broader pain points of AP: manual data entry, approval bottlenecks, lack of real-time insights, and fragmented systems.
Ramp helps eliminate the back-and-forth of chasing down invoices, reduces the risk of late payments or duplicate bills, and lets you customize controls to ensure every dollar spent aligns with your company’s goals.
Ramp has one of the highest ratings on G2—4.8 out of 5 stars—with customers highlighting the ease of use, automation, and time saved. In comparison, Melio’s G2 rating is 4.5 out of 5 stars.
Key features
- Upload or forward invoices, and Ramp’s platform uses AI to auto-populate bill details, reducing manual entry
- One-step bill import and 99% accurate AI matching for every invoice line item
- Create tailored, multi-level approval chains based on vendor, department, or payment size
- One-click bill payment via ACH, check, or card
- Real-time insights into spend categories, vendor spend, and outstanding liabilities
- Connect directly with your accounting software platform, including QuickBooks, NetSuite, and more, for faster closes and fewer errors
Why customers choose Ramp vs. Melio
Customers who choose Ramp over Melio typically want more than just a payment processor—they want a fully integrated AP and spend management solution. Ramp excels in giving businesses full control and transparency over their AP processes, while minimizing manual work.
Ramp’s ability to unify corporate cards, expense policies, and AP automation in one platform is another benefit for finance teams tired of juggling multiple systems.
- Automate your workflows and approvals: Ramp’s AI handles invoice entry, line item coding, and approval routing with minimal manual effort. Set custom workflows that adapt to your policies, then track each step to keep things moving without delays or exceptions slipping through.
- Stronger controls for scaling AP operations: Users also appreciated that Ramp supports 2-way matching, vendor tax management, and recurring billing. You get audit trails, batch payments, and automated error detection—without needing to bolt on extra systems.
- Manage AP, cards, and expenses in one place: Ramp combines bill payments, corporate cards, and expense management into a single platform—so finance teams don’t have to juggle multiple tools or vendors. Everything connects automatically to your GL for faster reconciliation and clearer reporting.
Serviceable markets
Ramp is best suited for small to mid-sized businesses and fast-growing companies, but larger organizations can also use it to consolidate their finance stack and scale efficiently. This makes Ramp a strong alternative not only to Melio, but also a high-performing competitor to BILL.com, Tipalti, and Stampli.
Pricing
Small teams can get started with Ramp for free—unlocking advanced OCR, approval workflows, unlimited corporate cards, and built-in tools for vendor management, travel, and expense control.
Upgrading to Ramp Plus starts at $15 per month per user and gives you access to advanced payment release approvals, procurement features, multi-entity support, and payments in foreign currencies. We also offer custom pricing for Enterprise clients.
2. Sage Intacct
Sage Intacct is a cloud-based financial management platform designed for growing businesses with advanced accounting and financial reporting needs. Unlike Melio, which primarily focuses on payments and basic AP automation, Sage Intacct offers enterprise resource planning (ERP) tools, including deeper AP features, multi-entity support, and complex financial workflows.
Businesses typically turn to Sage Intacct when they’ve outgrown entry-level tools and need more scalability, customization, and compliance support. Its G2 rating is 4.3 out of 5 stars.
Key features
- Manage AP across multiple locations, subsidiaries, or business units
- Set up configurable rules for invoice approvals
- Schedule payments in bulk to manage cash flow efficiently
Why customers choose Sage Intacct vs. Melio
Companies might choose Sage Intacct over Melio when they have more complex financial needs, like operating across multiple entities or detailed reporting requirements. However, this advanced functionality comes with a steep learning curve and higher upfront costs.
Serviceable markets
Best for mid-sized to large businesses with complex accounting needs, multiple entities, or industry-specific compliance requirements.
Pricing
Sage Intacct uses custom pricing based on business size, modules selected, and implementation needs.
3. Stampli
Stampli is an AP automation platform that zeroes in on invoice processing and approvals. Unlike Melio, which bundles payments with basic AP features, Stampli focuses on streamlining invoice management, giving finance teams better control over approvals and communication.
Stampli’s strength lies in its user-friendly interface and collaboration tools, making it easy for businesses to centralize conversations and approvals around each invoice. Those features earned it a G2 rating of 4.6 out of 5 stars.
Key features
- AI-driven invoice capture to automate data extraction and reduce manual entry
- Chat and collaborate directly with vendors in a centralized communication hub
- Built-in controls to flag duplicate invoices
Why customers choose Stampli vs. Melio
Customers typically pick Stampli over Melio when they need stronger invoice approval workflows and collaboration tools beyond basic payment processing.
Serviceable markets
Stampli best suits mid-sized businesses looking to automate invoice approvals while maintaining existing accounting or payment systems.
Pricing
Stampli customizes pricing based on invoice volume and business needs. Businesses need to contact Stampli for a tailored quote.
4. SAP Concur
SAP Concur is a platform known for its expense management and AP automation solutions geared toward large enterprises. While Melio targets smaller businesses with simpler workflows, SAP Concur offers a comprehensive suite built to handle complex, global AP processes and employee expense management.
Companies often choose SAP Concur when they need customizable, enterprise-level tools to manage AP and travel expenses under one umbrella. Their G2 rating is 4.0 out of 5 stars.
Key features
- Digitizes and extracts invoice data for faster processing
- Customizable approval workflows to match complex organizational structures
- Integrates with large ERP systems like SAP, Oracle, and Microsoft Dynamics
Why customers choose SAP Concur vs. Melio
Businesses choose SAP Concur over Melio when they need enterprise-grade features, global scalability, and advanced compliance controls. However, this comes with higher costs and longer onboarding timelines.
Serviceable markets
Ideal for large enterprises and multinational corporations with complex AP, compliance, and travel management needs.
Pricing
Potential customers must contact SAP Concur’s sales team for customized pricing based on business size, modules, and implementation.
5. Tipalti
Tipalti is a global payables automation platform that handles complex, high-volume AP processes. While Melio focuses on small businesses with straightforward payment needs, Tipalti works for companies managing large-scale, multi-currency payments and vendor compliance.
Tipalti provides automated invoice approvals as well as global supplier onboarding, tax compliance, and payments across multiple countries. They received a rating of 4.5 out of 5 stars on G2.
Key features
- Supplier onboarding portal for collecting vendor info, tax forms, and payment preferences
- Global payment capabilities support multiple currencies and payment methods
- Tax compliance tools automate W-9, W-8 forms, and VAT validation
Why customers choose Tipalti vs. Melio
Companies choose Tipalti over Melio when they need global payables automation, tax compliance, and high-volume payment handling. It’s particularly appealing to businesses working with international vendors or complex supplier networks.
Serviceable markets
Tipalti is best for mid-sized to large businesses with global operations, high payment volumes, or complex compliance requirements.
Pricing
Tilpati plans start at $99 per month for basic features. Potential customers can also request a custom quote based on feature needs.
Choose the best-rated Melio alternative
Whether you want to scale operations, tighten compliance, or cut down on admin work, the right AP solution should do more than process payments; it should make your life easier by eliminating manual data entry, streamlining approvals, ensuring vendors get paid on time, and giving you full visibility and control over company spend.
That’s why Ramp stands out as a top Melio alternative. With automated invoice capture, customizable approval workflows, seamless payments, and real-time insights in one user-friendly platform, Ramp can help you save time, reduce errors, and gain financial clarity.
Plus, with a free basic plan and excellent ratings and customer reviews on G2, we’re a top AP automation solution for businesses that want more control and scalability without added complexity.
Ready to simplify your AP process? Schedule a demo to get started with Ramp today.
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