Melio vs InvoiceNinja

Melio is a payment platform designed to simplify business-to-business (B2B) transactions for small and medium-sized businesses.

It allows companies to pay bills, vendors, and contractors using bank transfers or credit cards, even if recipients only accept bank deposits.

This flexibility helps businesses manage cash flow while also earning credit card rewards. Melio’s intuitive dashboard makes it easy to schedule, track, and approve payments, ensuring better financial control.

Unlike traditional payment systems, Melio requires no subscription fees—users pay only transaction fees for credit card payments. It also integrates seamlessly with accounting platforms like QuickBooks, reducing manual entry and bookkeeping errors.

Invoice Ninja is a feature-rich invoicing and billing platform built for freelancers, agencies, and small businesses. It offers a flexible way to create, send, and manage professional invoices while also supporting recurring billing, time tracking, and expense management.

Users can easily customize invoices with branding, accept online payments, and automate reminders for overdue bills. Invoice Ninja is available in both free and paid versions, with the free plan allowing up to 100 clients and unlimited invoices.

For businesses seeking more, the paid versions offer advanced automation, custom domains, and integrations with over 40 payment gateways.