Payvy vs Melio.

Extracts bill fields and line items from uploaded PDFs or images for review. Uploads support one invoice per bill and a 10 MB file limit.

Document inbox, email intake and model extraction are implemented. Originals live in configured S3-compatible storage. Extraction checks amounts, matches vendors and produces drafts; quality depends on the model and document.

Rules can depend on amount, vendor or scheduler, with no self-approval by the scheduler. Detailed help documents up to three approval levels on Boost and Unlimited; confirm plan eligibility for your specific chain.

Vendor workflows support named approvers, amount thresholds, timed holds and external signals. Bills retain their workflow version. Person keys approve and release; changes produce audit events.

Supports ACH, wires, checks, cards and international payments. Vendors can receive payments without a Melio account. The free plan includes five ACH payments monthly; additional payments and faster methods may incur fees.

The reviewed build implements Mercury payments, person-authorized release, request or direct mode, status polling and handling of failures and returns. Other banks and international currencies are planned. Source implementation is not hosted launch availability.

QBO and Xero start at Core; QuickBooks Desktop at Boost. NetSuite is rolling out with eligibility to confirm. Its sync excludes attachments and some dimensions; a later NetSuite hold does not stop an already-synced payment in Melio.

VisiBooks, QuickBooks Online and Xero sync are planned, alongside ERP connections for NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central and Acumatica. No accounting or ERP connector is implemented in the reviewed rebuild.

Melio advertises matching invoices to POs and receiving documents. The reviewed product page does not establish plan entitlement or tolerance rules, so confirm the available matching workflow rather than assuming a full procurement suite.

PO matching is planned. Purchase requests, receiving and a procurement suite are not available in the current build.

Electronic W-9 requests and submission tracking are documented for Core, Boost and Unlimited. Tax1099 integration supports filing workflows, with separate filing charges.

Vendor records and vendor-specific workflows are implemented. A supplier onboarding portal, tax validation and 1099 filing are not available.

Platinum advertises custom integrations and API access. That does not establish self-service developer access on the standard plans; confirm endpoints and commercial terms.

REST and MCP expose the same command registry. Agent keys can prepare bills and propose workflows; person-only actions are excluded. Release uses preview and single-use confirmation.

A hosted payment application with plan-based user and feature limits. Unlimited removes the seat limit, while Platinum offers a separately quoted service level.

AGPL-3.0-only source with no per-seat license charge; self-hosters operate their own infrastructure. Planned hosted pricing is $39/company/month with your own agent or AI provider keys, or $99/company/month with a Payvy-managed agent. Both include unlimited users and agent connections. Provider usage is separate on the $39 plan; included AI limits on the $99 plan will be defined before launch.