Top Pick

Melio Description

Melio is an accounts payable platform designed to simplify bill payments, improve workflows, and maximize cash flow efficiency. You can pay vendors online using bank transfers or credit/debit cards—even if they only accept checks—while Melio takes care of the manual tasks. Integrate seamlessly with QuickBooks and Xero to keep your accounting up-to-date.

Melio allows you to pay through bank transfer or card, helping you extend your cash flow and gain rewards. Enter vendor or bill details manually, upload, or snap a photo of the invoice—it’s that simple. Schedule payments according to your cash flow plan and let Melio manage them. Additionally, you can pay international vendors in their local currency for services and products.

Pricing

Pricing Starts At:
Free
Pricing Information:
Melio provides three subscription plans: Go, Core, and Boost.

Melio Go is free and designed for businesses aiming to boost cash flow, consolidate payments, and manage transactions in whichever way works best for them.

What’s included in Melio Go:

5 free ACH transfers per month
10 free syncs with QuickBooks Online & Xero
Various payment methods: Pay by card or bank—send checks, ACH, or instant transfers
Simplified bill entry: Upload, scan, or import bills
Dedicated email for automatic bill capture
Global payments in USD or local currencies
Recurring and partial payments
Instant payment options
Free mobile app (iOS & Android)
Accept payments using custom links

Melio Core offers more advanced features than Melio Go and is ideal for businesses requiring enhanced control and efficiency with automated workflows and 2-way syncing.

Melio Core includes all features from Melio Go, plus:

20 free ACH transfers each month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay several bills at once
Merge payments into a single transaction
User roles, permissions, and management features
Automated approval workflows
W-9 collection and 1099 e-filing
Automatic bill line item capture

Melio Boost gives you priority support, faster payment processing, and advanced customizable controls.

Melio Boost includes everything in Melio Core, plus:

50 free ACH transfers per month
2-day ACH transfer delivery
Advanced, customizable multi-user workflows
2-way auto-sync with QuickBooks Desktop
Advanced bill attributes (classes & locations)
Premium customer support
Free Version:
Yes

Integrations

Reviews - 45 Verified Reviews

Total
ease
features
design
support

Company Details

Company:
Melio
Year Founded:
2018
Headquarters:
New York
Website:
Update This Listing

Media

Product Details

Platforms
Web-Based
iPhone App
Types of Training
Training Docs
In Person
Not Offered
Customer Support
Business Hours
Online Support

Melio Features and Options

Accounts Payable Software

Approval Process Control
Bank Reconciliation
Cash Management
Check Writing
Duplicate Payment Alert
Fraud Detection
General Ledger Entry
Vendor Management

Billing and Invoicing Software

Billing Portal
Contact Database
Contingency Billing
Customer Portal
Customizable Invoices
Dunning Management
Hourly Billing
Invoice History
Mobile Payments
Multi-Currency
Online Invoicing
Online Payments
Payment Processing
Project Billing
Recurring/Subscription Billing
Service Ticket Billing
Tax Calculator

Bookkeeping Software

Accounts Payable
Accounts Receivable
Bank Reconciliation
Billing & Invoicing
Cash Management
Collections
Expense Tracking
Fixed Asset Management
General Ledger
Payroll
Revenue Recognition
Spend Management
Tax Management

Recurring Billing Software

Customer Portal
Deferred Billing
Discount Management
Dunning Management
Invoice History
Multi-Currency
Multi-Period Recurring Billing
Payment Processing
Recurring Donations
Subscription Billing

Accounts Receivable Software

ACH Payment Processing
Billing & Invoicing
Check Processing
Collections Management
Online Payment Processing
Overpayment Processing
Partial Payments
Receivables Ledger
Recurring Billing

Payment Processing Software

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture
  • Name: Simon W.
    Job Title: Owner
    Length of product use: 2+ Years
    Used How Often?: Monthly
    Role: Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    The perfect AR & AP platform

    Date: Jan 26 2024

    Summary: Overall, Melio is a win-win situation. It simplifies bill payments for your clients, saving them time and money. For you, it translates to happier clients, a more efficient workflow, and potential revenue growth. It's a valuable tool that can enhance your business and help you stand out from the competition.

    Positive: 1. Simplifies Bill Payments:

    Say goodbye to manual checks and envelopes. Melio lets you pay vendors through ACH bank transfers, credit cards, or debit cards, even if they don't accept electronic payments.
    Schedule payments in advance, ensuring you never miss a deadline and avoiding late fees.
    Combine or split payments easily, making it convenient to handle complex billing situations.
    Send payments with notes or attachments, adding a personal touch and streamlining communication with vendors.
    2. Saves Time and Money:

    Eliminate the need for manual data entry. Melio automatically syncs with popular accounting software like QuickBooks and Xero, saving you hours of tedious work.
    Reduce late fees and postage costs. Paying electronically through Melio can help you avoid these unnecessary expenses.
    Earn rewards on eligible payments. When you pay with a credit card through Melio, you can earn points or cashback,

    Negative: While Melio boasts many benefits, one potential con to consider is its limited international payment capabilities. Currently, Melio only supports payments to U.S. companies, which could be a drawback for businesses with international vendors. This restriction can necessitate using separate platforms or manually handling international payments, adding complexity and potentially increasing fees.

    Read More...
    Melio Company Response
    Edited: Mar 18 2024
    Hi Simon, Thank you for highlighting the key benefits of using Melio for bill payments, including its flexibility, time-saving features, and integration with accounting software. Please note that Melio allows US-based customers to send international payments to countries in Europe, Asia-pacific, Latin America, and more. Our team is continuously working to improve our services and appreciate your insights. We're glad to hear that Melio has been a valuable asset in streamlining your billing processes and contributing to your business success. Best, Team Melio
  • Name: Crystal M.
    Job Title: Accountant
    Length of product use: 2+ Years
    Used How Often?: Daily
    Role: User, Administrator
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    I love Melio for bill pay

    Date: Jan 26 2024

    Summary: Overall, Melio is my favorite bill pay platform. I use it regularly and recommend it to all my clients that need an AP solution. I love that it is user friendly, cost efficient, and has a good support team to answer questions.

    Positive: Melio is so user friendly! It is easy to login and review payments or vendors and find the information that I need. If I ever have a question or concern, the support team is jus t a few clicks away.

    Negative: There isn't really much that I don't like to be honest. International payments confuse me a little because the address given by the vendor is not always an exact match to what comes up in the system.

    Read More...
  • Name: Jones M.
    Job Title: CEO
    Length of product use: Less than 6 months
    Used How Often?: Yearly
    Role: User
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Melio Review

    Date: Jan 24 2024

    Summary: Overall very good platform for small business owners with businesses registered in the United states and very affordable.

    Positive: With Melio, One is able to pay even non Melio users. In addition, i love the fact that you can decide if person been paid receives direct deposit or Check.

    Negative: The downside is that you can only send free payments via ACH transfers and Only USA businesses. I hope Melio expands to other Countries.

    Read More...
  • Name: Karissa P.
    Job Title: Owner
    Length of product use: 1-2 Years
    Used How Often?: Weekly
    Role: User
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Perfect for my property management company!

    Date: Jan 24 2024

    Summary: Melio has become an indispensable tool for my property management business. Its user-friendly interface, efficient transaction processing, reasonable pricing, responsive customer support, and robust security make it a top choice for businesses looking to streamline their payment workflows. I highly recommend Melio to fellow property managers seeking a reliable and comprehensive payment solution.

    Positive: I've been using Melio for my property management business, and it has truly streamlined the way I handle payments. The platform's user-friendly interface makes it a breeze to both send payments to businesses and receive payments from clients. The straightforward design makes the payment process quick and efficient.

    Negative: When you list the breakdown of payments to a vendor it does not show the breakdown to the receiver and it also does not let you pull up the breakdown after the payment is submitted. This would be a great improvement to the software.

    Read More...
  • Name: Kunal D.
    Job Title: CEO
    Length of product use: Free Trial
    Used How Often?: Weekly
    Role: User
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Hassle Free Way to Pay and Receive Payments for Small Businesses

    Date: Jan 24 2024

    Summary: Overall, I am quite happy with Melio. It does a wonderful job by making B2B payments easier and hassle-free, helping save a lot of time.

    Positive: User-friendly interface.
    Add an unlimited number of team members effortlessly.
    Sync seamlessly with your accounting software.
    No need to worry about monthly fees when using Melio.
    Initiate payments instantly, opt for same-day bank transfers, or choose fast check for expedited 3-day delivery.
    Consolidate multiple bills to a single invoice for the same vendor.
    Take advantage of the option to make partial payments.
    Set up recurring payments with ease.
    Vendors don't have to sign up with Melio to receive payments.
    Flexibility to pay both domestic and international vendors.
    Decide when and how you want to pay your vendors.
    Choose from ACH transfers, card payments, international bank transfers, or send a check to your vendor.
    Pay vendors on the go using Melio's mobile app.
    Run your business from anywhere with Melio's convenient features.
    Maintain control over tasks with customizable approval workflows.
    Allocate payment responsibilities among your team members.
    Effortlessly capture bills in various ways with Melio's easy bill capture – take a photo, upload an invoice, manually enter details, connect with your accounting software, or send invoices to your Melio pay inbox.
    Schedule payments conveniently.
    Make payments in installments without impacting your credit score.

    Negative: Currently, international payments can only be made in USD.
    At present, Melio does not have an Android app.

    Read More...
  • Name: Jose Ian M.
    Job Title: Owner/Business Development Manager
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: User, Administrator
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Efficient to USE

    Edited: Jan 24 2024

    Summary: I have tried different payment platform in paying my Business bills but so far Melio has shown effectiveness and reliability especially when paying vendors who doesn't accept cards Melio find ways!

    Positive: As a Business Development Manager/ Co owner of IKJewels and and Affiliate Partner using Melio as a payment option for my team is really reliable and easy to use. Especially when paying Business Bills. You Pay business bills with bank transfers for free or pay by card, even where cards aren’t accepted also there’s no monthly fee and your vendors don’t need to sign up.

    Melio is highly recommended especially for start ups and growing business. Melio will be your partner for success!

    Negative: So far the product is a perfect fit for my company. No complains so far.

    Read More...
  • Name: Davide O.
    Job Title: Director / Manager
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: Administrator, Deployment
    Organization Size: 500 - 999
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Melio Online Payment

    Date: Jan 24 2024

    Summary: Melio is an online payment platform that allows businesses to make and receive payments quickly and easily. It's a great option for businesses that need to pay and get paid quickly and securely. Businesses can use Melio to pay bills and send invoices, and they can also receive payments from customers. The platform is easy to use and offers a variety of features, such as automatic payments, payment reminders, and reports.

    Positive: One of the biggest pros of Melio is its ease of use. The platform is very user-friendly and easy to navigate, even for those who are not tech-savvy. Another pro is the variety of features offered by Melio. In addition to the features I mentioned earlier, Melio also offers integrations with popular accounting software, such as QuickBooks and Xero. This makes it easy to sync your data.

    Negative: One of the biggest cons is that Melio is only available in the United States. This means that businesses outside of the US cannot use the platform. Another con is that the platform doesn't offer much in the way of customer support. There is a help center on the website, but there is no live chat or phone support available.

    Read More...
  • Name: Anonymous (Verified)
    Job Title: Administrative Assistant
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: User, Administrator
    Organization Size: 26 - 99
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Perfect for Hosting

    Date: Jan 23 2024

    Summary: They works great and mostly good for small businesses and big businesses they’re are the best for every business.

    Positive: its role in hosting open-source projects, offering version control, and providing collaboration tools for developers. Users often find it useful for managing software projects within the open-source community.

    Negative: Provides an integration for ACH and QuickBooks notifies you of pending payments.

    Read More...
  • Name: John T.
    Job Title: Partner
    Length of product use: 2+ Years
    Used How Often?: Weekly
    Role: Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Melio is a great payment solution for business

    Date: Jan 23 2024

    Summary: Melio has helped our company get paid faster and with fewer issues. It's been easy to add to our bills and integrates easily into our accounting system. We've been very pleased and use it as our preferred method of payment now!

    Positive: It's allowed out clients to pay us from their checking accounts without an expensive service or having to write checks. We also like not having to pay the fees from credit card transactions or having to pass the extra expense to our clients.

    Negative: Some of our clients have had problems getting Melio to work the first time and would prefer to pay with a credit card rather that use the tech support.

    Read More...
  • Name: Milena K.
    Job Title: Bookkeeper
    Length of product use: 1-2 Years
    Used How Often?: Daily
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Great

    Date: Jan 23 2024

    Summary: I am very happy with Melio's services, pricing benefits, ease of use, and customer service! Will recommend it to anyone!

    Positive: Very easy to use, reliable, safe, convenient, and everything for a great price with an awesome customer service. Love it and will continue to use and recommend it to anyone.

    Negative: Some issues with international payments a few months ago but hope this has been resolved.

    Read More...
  • Name: BRENDA R.
    Job Title: Principal
    Length of product use: 2+ Years
    Used How Often?: Weekly
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    My Choice for Business Payments

    Date: Jan 23 2024

    Summary: Melio Payments is a game-changer for seamless financial transactions. Its user-friendly interface ensures a hassle-free experience, eliminating mail delays commonly associated with traditional methods. The standout feature of free ACH payments and the ability to make transactions to companies that don't accept credit cards make Melio a reliable and efficient choice for businesses of all sizes.

    Positive: Integrates with FreshBooks.
    FREE ACH Bank payments.
    Ability to ask your client how they wish to be paid.
    Excellent Support.
    Email notices of all transactions in process and finalized.

    Negative: I have not had one con after three years of using Melio.

    Read More...
  • Name: Daniel A.
    Job Title: Affiliate
    Length of product use: Less than 6 months
    Used How Often?: Daily
    Role: User
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Excellent.

    Date: Jan 23 2024

    Summary: Melio is an efficient and user-friendly payment platform that streamlines the invoicing and payment process for businesses. Its intuitive interface makes it easy to create and send invoices, while the ability to pay with bank transfers for free adds value. However, some users may find the transaction fees for credit card payments slightly high. Overall, Melio proves to be a reliable tool for small businesses looking to simplify their financial transactions.

    Positive: So helpful... Melio is an efficient and user-friendly payment platform that streamlines the invoicing and payment process for businesses. Its intuitive interface makes it easy to create and send invoices, while the ability to pay with bank transfers for free adds value. However, some users may find the transaction fees for credit card payments slightly high. Overall, Melio proves to be a reliable tool for small businesses looking to simplify their financial transactions.

    Negative: Melio is an efficient and user-friendly payment platform that streamlines the invoicing and payment process for businesses. Its intuitive interface makes it easy to create and send invoices, while the ability to pay with bank transfers for free adds value.

    Read More...
  • Name: Jodi P.
    Job Title: Owner, bookkeeping firm
    Length of product use: 1-2 Years
    Used How Often?: Weekly
    Role: User, Administrator
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Melio makes my life easier

    Date: Jan 23 2024

    Summary: Overall this product has been a huge asset to the way our firm does business and how we work with our clients.

    Positive: I am a bookkeeping firm and I have used Melio for both my firm as well as for my clients. It is so simple to use and provides great Approval processes. I love that my clients can use it with ease and do not need to be tech savvy to navigate the software. It is also great for Vendors as they can easily add their secure banking details for quick payments.

    Negative: There are a few more features I would love to see but overall it is a great product. It would be great if Vendors could save their details for recurring payments.

    Read More...
  • Name: Anonymous (Verified)
    Job Title: Owner
    Length of product use: 1-2 Years
    Used How Often?: Weekly
    Role: User
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Melio is Top Notch

    Edited: Jan 23 2024

    Summary: Very good overall experience. Would definitely recommend to other peers or clients in the future. Thanks.

    Positive: Seamless transactions for my customers and easy to navigate interface. Most customers appreciate the ability to pay via ACH w/o a fee.

    Negative: Have gotten a few comments about spammy vibes from out customers. Might help to make the site look a little more polished. I also had issues receiving payment via check from Melio. It got logged in the system and the check was never sent even though payment showed in full. If a client wants to pay via check, I do it outside of Melio.

    Read More...
  • Name: Anonymous (Verified)
    Job Title: Secretary
    Length of product use: 2+ Years
    Used How Often?: Daily
    Role: User
    Organization Size: 500 - 999
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Melio

    Date: Jan 23 2024

    Summary: Since I join Melio have never experienced any bad issues from them. Because they always make everything fantastic.

    Positive: Melio is the best and reliable and affordable. A lot of users and companies are glad to join Melio because it's really great to use and many people praise them and their support staff because they are fast in solving issues. Honestly I'm really glad to use Melio. Have not regretted anything since I joined. 💚💚

    Negative: Nothing because Melio is great and affordable and reliable.

    Read More...
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