Compare ProvidersFind the best payment solution for your business
Unit
Embedded Banking
An embedded finance platform that enables US tech companies to launch banking, card issuing, and lending products quickly. Unit offers both white-label solutions for rapid deployment and custom API integrations for deeper customization. Ideal for SaaS platforms, marketplaces, and fintechs wanting to add financial services to their core product.
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Melio
B2B payments
A B2B payment platform that lets small businesses pay vendors by ACH, check, or credit card even when vendors don't accept cards. Melio simplifies accounts payable by enabling businesses to earn card rewards while paying suppliers who only accept bank transfers. Free for ACH payments with a simple, user-friendly interface.
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Side-by-side feature breakdown
Revenue share model
Free ACH, 2.9% cards
3 Available
1 Available
7 Supported
4 Supported
Common Ground
Shared Regions
Shared Features
When to Choose Melio
Choose Melio if you need features like Low Fees, or you want a broader feature set. With fees of Free ACH, 2.9% cards, it's ideal for businesses focused on b2b payments.
Frequently Asked Questions
What is the difference between Unit and Melio?
Unit is best for embedded banking, while Melio is best for b2b payments. Unit charges Revenue share model and Melio charges Free ACH, 2.9% cards. They differ in supported features, regions, and payment methods.
Which is cheaper, Unit or Melio?
Unit charges Revenue share model while Melio charges Free ACH, 2.9% cards. The best value depends on your transaction volume, business type, and required features. Compare their full fee structures for your specific use case.
Can I use both Unit and Melio together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Unit and Melio can complement each other depending on your needs.