Glep vs. Melio

Melio's Go plan is $0 for one user with 5 free ACH payments a month; Core is $25 per month plus a fee per extra user, Boost is $55 per month and Unlimited is $80 per month. Per-payment fees apply on every plan: same-day ACH 1%, instant payment 1%, mailed check $1.50, card 2.9%, international ACH $20, as published on meliopayments.com on September 24, 2026. Glep is $0 with no monthly fee, no per-user fee, $0 same-day ACH, wires, RTP and FedNow, and a 3% FX fee on international card transactions.

Melio is one company per account, with an accountant dashboard for managing several clients. Glep includes multi-entity management free, with a separate account per LLC, a sub-account per property with its own account number and team access scoped per entity.

Yes, and the card is Glep's own: capped at the project budget, locked to the merchants you choose, terminated when the job ends. Melio does not issue cards at all, you pay with your own card at 2.9%, and it lists no contractor card or project cap, so the crew's spend never passes through a control you set.

Every LLC lives under one login with its own account, cards and records, and each team member sees only the entities you give them, with no commingling. Melio does switch between company profiles under one login, so the entities stay apart on its side of the paperwork, and its roles start on Core at $25 per month. Since it is not a bank, the accounts those entities hold stay wherever they are, which is the half Glep provides.

Glep works upstream of your ledger and tags the property as the money moves, so the ledger gets clean data and your accountant keeps their tools. Melio can carry a property as a class or location, but that is a Boost feature at $55 per month, and since Melio is not a bank and issues no cards, it sees your bill payments rather than your spend.

Yes, and the card is part of it: issue it, freeze it, terminate it, approve spend, each person seeing only their entities. Melio's iOS and Android apps are built for paying bills, it issues no cards of its own, and its approvals start on Core at $25 per month, so there is no card for a crew member to carry.

Open a Glep account online with your US business entity and EIN, add each LLC, open sub-accounts for your properties and issue cards. Melio is not a bank and issues no cards, so you are not moving an account, you are adding one and replacing bill pay. Its plans run from Go at $0 to Unlimited at $80 per month with same-day ACH at 1%, against $0 ACH on Glep. Run one property through Glep first if you would rather see it than read about it.

If your business is a set of properties held in a set of entities, Glep is built around that structure: an account per LLC, a sub-account per property, Aida tagging every transaction to the property it belongs to, and contractor cards that stop at the budget. Contractors and developers get the same structure for projects, draws and crews, and pay subs at $0 by same-day ACH, wire, RTP or FedNow. If your business is outside real estate but runs money across several entities, projects or vendors, Glep gives you the bank account, multi-entity management, entity-scoped team access, sub-accounts with unique account numbers, approval workflows and unlimited cards on the free plan, with no per-payment fee on domestic rails and no per-user fee. Start with one property or one project and move the rest on your own schedule; there is no contract and no lock-in.