Melio Overview
What is Melio?
Melio is an accounts payable solution which allows users to pay bills conveniently online via bank transfer, debit card, or credit card. Melio supports QuickBooks synchronization and automated scheduling, allowing users to connect with their accounting system and schedule payment transactions automatically. Melio is designed for use by small businesses.
Melio enables users to pay any vendor for free by bank transfer or debit card, even if they only accept checks. Users can pay by credit card with a transaction fee of 2.9%. Melio works in three simple steps. First, users simply add vendor or bill details. Melio allows users to enter details manually, upload files, or take photos of an invoice. Users can then pay by card or bank transfer. Scheduling tools enable users to schedule payments for whenever they like. Finally, Melio mails or deposits a check to the vendor’s bank.
As an online solution, Melio allows users to manage payments anytime, anywhere, via any internet-enabled device, including desktops, laptops, tablets, and mobiles.
Melio Overview
Pricing
Pricing options
Subscription fee: Free
Credit card transaction fee: 2.9%
Bank transfer or debit card transaction fees: Free
Melio Features
Media

Melio Reviews
Melio Reviews
Great Software
It has been great overall: saves me a lot of time, great price point, and customer service has reached out to me numerous times to tell me about new functions and to check in.
Terrible experience, never again
I will never use this vendor again. I will only use my bank to process ACH payments.
Melio Feedback
I am happy with the product, especially since it is free for the functionality I am using it for. I would be willing to pay a small fee (at least the cost of a stamp) to have live checks be processed and mailed on the same day that the payment is processed.
Great payment tool
I'm excited to use this new platform, the customer service team is fantastic, they immediately respond and they're quick in understanding your 'concern' and will address it accordingly. If it's a new feature idea, they'll let you know that it's been on their list but that other features may currently have priority, appreciate that honesty to not create false hope.
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Great Software
Pros
The ease of use is incredible. I simply drop one of my invoices into the software and generate a check within seconds. So much easier than writing checks by hand. Melio has saved me hours in productivity.
Cons
I would like more integration into Quickbooks. Also, sometimes when you drop a new vendor's invoice, the software doesn't read it correctly.
Response from Melio
Hi George, thank you so much for this wonderful review and for your important feedback. We are so happy to hear Melio is making your life easier and saving you valuable working hours - it's what we're here for! We will pass your input along to the relevant teams and continue to work to make our service even better.
All the best,
Team Melio
Painless payments for painful payees
Excellent
Pros
I was able to set up payments to the very few vendors that absolutely demand being paid via ACH rather than needing to consolidate my business transactions through a software suite to make it worthwhile.
It is also incredibly affordable or free for the transactions, and there has not been problems.
Cons
There was a feature that was pretty adept at picking up an invoice PDF and setting it up as a pending bill, but the accuracy has gone down. Nothing to cry about though as I have always triple checked things!
Response from Melio
Hi Herbert, thank you for the fantastic review. We are delighted to hear Melio has been able to take some of the pain out of making business payments - it's what we're here for. We would also like to thank you for your feedback which we will pass along to the team.
All the best,
Team Melio
Terrible experience, never again
I will never use this vendor again. I will only use my bank to process ACH payments.
Pros
It was easy to use from Quickbooks and seemed like a good solution.
Cons
After just a few weeks of using it, I am having today a horrible experience: a payment of $39,000 to my vendor was not processed. Not only was Melio unreachable by phone, they were also unresponsive by email (they never responded to my last email) and I had to deal with the issue by chat. Hours later, I still haven't had an update. My bank account was debited 5 business days ago, and Melio still has the money and can't tell me where it is. I am asking them now to send it back to me so that I can urgently wire transfer my vendor.
Response from Melio
Hi Catherine. Last month one of our banking partners had a technical issue which caused a temporary delay in processing a few payments. After speaking with you, and resolving this matter, we've also made a donation to a charity of your choice.
We sincerely apologize and hope this was resolved to your satisfaction. We hope that you continue working with us and one of our account managers will be happy to follow up with you in person if you email us [email protected]
Melio Feedback
I am happy with the product, especially since it is free for the functionality I am using it for. I would be willing to pay a small fee (at least the cost of a stamp) to have live checks be processed and mailed on the same day that the payment is processed.
Pros
I love that I can pay all invoices without printing and mailing checks. It is also great that the program completely integrates with QuickBooks so the bills show up automatically in Melio, and with a few clicks I can pay all of the bills.
Cons
It takes over a week for a live check to be delivered to a vendor, which is a long time.
Response from Melio
Hi Kate, thank you for taking the time to post such an excellent review. We are glad Melio has been able to save you time and busywork. We are currently working on a fast check feature and it should be available soon, so stay tuned.
All the best,
Team Melio
Great payment tool
I'm excited to use this new platform, the customer service team is fantastic, they immediately respond and they're quick in understanding your 'concern' and will address it accordingly. If it's a new feature idea, they'll let you know that it's been on their list but that other features may currently have priority, appreciate that honesty to not create false hope.
Pros
Ease of setting up all my vendors so they can be paid via ACH with a few clicks (for free)
Upload/scan of invoices
Quickbooks integration, crucial!!
Customer service
Cons
I look forward when they allow me to send out a link to new vendors so they can do their own onboarding (put in their contact & bank details) so that I don't have to chase them myself and input manually.
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Melio Pricing
Melio Pricing
Subscription fee: Free
Credit card transaction fee: 2.9%
Bank transfer or debit card transaction fees: Free
Subscription fee: Free
Credit card transaction fee: 2.9%
Bank transfer or debit card transaction fees: Free
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Melio Features
Melio Features
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Categories
Categories
Additional information for Melio
Additional information for Melio
Key features of Melio
- ACH Payment Processing
- Approval Process Control
- Bank Reconciliation
- Cash Management
- Check Printing
- Check Processing
- Contact Database
- Duplicate Payment Alert
- Fraud Detection
- Invoice Processing
- Online Payment Processing
- Vendor Management
Melio FAQs
Melio FAQs
Below are some frequently asked questions for Melio.
Q. What type of pricing plans does Melio offer?
Melio offers the following pricing plans:
Pricing model: Free, Subscription
Free Trial: Not Available
Subscription fee: Free Credit card transaction fee: 2.9% Bank transfer or debit card transaction fees: Free
Q. What are the main features of Melio?
Melio offers the following features:
- ACH Payment Processing
- Approval Process Control
- Bank Reconciliation
- Cash Management
- Check Printing
- Check Processing
- Contact Database
- Duplicate Payment Alert
- Fraud Detection
- Invoice Processing
- Online Payment Processing
- Vendor Management
Q. Who are the typical users of Melio?
Melio has the following typical customers:
Small Business, Mid Size Business
Q. What languages does Melio support?
Melio supports the following languages:
English
Q. What type of pricing plans does Melio offer?
Melio has the following pricing plans:
Free, Subscription
Q. Does Melio support mobile devices?
We do not have any information about what devices Melio supports
Q. What other apps does Melio integrate with?
Melio integrates with the following applications:
QuickBooks Online Advanced
Q. What level of support does Melio offer?
Melio offers the following support options:
Online Support, FAQs
It has been great overall: saves me a lot of time, great price point, and customer service has reached out to me numerous times to tell me about new functions and to check in.