EarnIn vs Melio
Side-by-side comparison of AI visibility scores, market position, and capabilities
EarnIn offers on-demand earned wage access, letting workers withdraw up to $150/day against earned pay with no mandatory fees, and is expanding into B2B payroll and employer-sponsored EWA.
About
EarnIn is a Palo Alto-based fintech company founded in 2012 that pioneered the consumer earned wage access (EWA) category. Its flagship Cash Out feature allows workers to access up to $150 per day (up to $1,000 per pay period) from wages they have already earned but not yet received, with no mandatory fees, no interest, and no credit check. Users can optionally tip or pay an express fee for instant transfers. The company estimates it processes approximately 1% of US paychecks and has expanded its reach to more than 12,000 employers across the United States.
Melio is a B2B payments platform enabling small businesses to pay vendors by ACH or card even when vendors only accept checks, improving cash flow management.
About
Melio is a B2B payments company founded in 2018 in New York that has raised over $500M to modernize accounts payable for small businesses. The platform allows small businesses to pay any vendor by ACH bank transfer or credit card regardless of how the vendor accepts payment, solving the common problem of needing to pay vendors who only accept checks. Melio handles the conversion, sending vendors a check or ACH transfer while the paying business uses their preferred payment method. This approach allows small businesses to earn credit card rewards on vendor payments while preserving cash by paying via card and capturing the float. Melio integrates with QuickBooks Online, Xero, and other accounting software to sync bill payment data automatically. The company serves hundreds of thousands of small businesses and has established embedded payment partnerships with QuickBooks, American Express, and Capital One. Melio charges no subscription fee, generating revenue through optional card payment processing fees. The platform addresses a significant market need given that billions of dollars in B2B payments still move via paper checks in the US.
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