Melio

About Melio
Melio is an accounts payable solution designed to help businesses manage bill payments, improve workflows, and optimize cash flow. Pay vendors online using bank transfers or credit/debit cards, even if they only accept checks—Melio takes care of the manual work. Seamlessly sync with QuickBooks and Xero, keeping your finances up to date. Plus, pay vendors outside of the U.S. in their local currency.
With Melio, you can choose to pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is simple—manually enter, upload, or photograph invoices. Schedule payments to fit your cash flow needs, and let Melio handle the rest.
With a mobile app for iOS and Android, Melio lets you track and manage payments anytime, anywhere. Gain better control over your finances, making it easier to keep your business running smoothly.
Key benefits of Melio
Flexible payments: Pay vendors via bank transfer or credit/debit card, even if they only accept checks.
Seamless sync: Auto-sync payments with QuickBooks and Xero.
Pay with your credit card: Earn rewards and extend your payment float by up to 45 days.
Advanced approval workflows: Delegate routine tasks while staying in control.
User roles & permissions: Assign roles and permissions to team members.
Images










Not sure about Melio?
Compare with a popular alternative
Starting Price
Pricing Options
Features
Integrations
Ease of Use
Value for Money
Customer Service
Alternatives
Zoho Expense

Gusto

Tebra

PayPal Zettle

Reviews
Already have Melio?
Software buyers need your help! Product reviews help the rest of us make great decisions.

- Industry: Real Estate
- Company size: 2–10 Employees
- Used Monthly for 1+ year
-
Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 8.0 /10
Easy to use
Reviewed on 2023/05/02
Overall, my experience with Melio had been good and I do recommend them to others.
Overall, my experience with Melio had been good and I do recommend them to others.
Pros
I love that I can set up recurring payments to my contractors.
Cons
The online platform is not the most user-friendly for me, but I can usually figure things out after reading through their help files.
Response from Melio
Hi Lettie, thanks for sharing this review. We are delighted to hear that the recurring payments feature and our help center have been valuable resources for your business. We appreciate your feedback and we'll be sure to pass it along.
Best,
Team Melio
- Industry: Printing
- Company size: 2–10 Employees
- Used Weekly for 1+ year
-
Review Source
Overall rating
- Ease of Use
- Likelihood to recommend 10.0 /10
Easiest Payment System
Reviewed on 2024/06/14
We started using Melio when they integrated with Quickbooks Online and they made it so simple to...
We started using Melio when they integrated with Quickbooks Online and they made it so simple to pay our high-cost vendors quickly; after the integration ended, we found them on their own and have been ecstatic that the separate site functions almost exactly like it did in Quickbooks. It's truly one of the best payment systems I have.
Pros
How quickly it connects with our Intuit account, which meant that I didn't need to load every single bill in our system into Melio so I could start payments to vendors.
Cons
I do not have any cons with my use of Melio.
Response from Melio
Hi Amy, thank you for taking the time to share this 5-star review. We are happy to hear that you're finding Melio easy to use and that is has been helpful for your business.
Best,
Team Melio
- Industry: Accounting
- Company size: Self Employed
- Used Weekly for 2+ years
-
Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 0.0 /10
No Longer An Asset to My Clients or Practice
Reviewed on 2023/09/08
Terrible!!
Terrible!!
Pros
There is absolutely nothing I like about Melio anymore. This payment service is not ideal. Most of my clients do not use it. And for the one's who do, I am working to remove them from the platform.
Cons
Melio declines all expedited payments no matter the amount. Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden being declined consistently causing issues for my clients and causing my payments to be late. Again I am working to remove the remaining few from this platform and encouraging them to use other AP platforms that come with bill pay or simply use their banks. So far I've removed 13 clients and I now need to remove 4 more and I can be done with the nightmare.
Response from Melio
Hi Toni, thanks for sharing this feedback. We're so sorry this has been your experience. We would like to take a look into your client's accounts and see why these payments have been declined. However, we understand if you've already stopped using Melio. Should you decide to use Melio again down the line, please don't hesitate to reach out to us at [email protected] with any questions or feedback. We want to make this a better experience for you.
Best,
Team Melio
- Industry: Retail
- Company size: 2–10 Employees
- Used Daily for 6-12 months
-
Review Source
Overall rating
- Value for Money
- Ease of Use
- Likelihood to recommend 10.0 /10
Magnificent Melio
Reviewed on 2024/05/18
Pros
Melio provides fantastic features such as quick payments including international. There are also no fees for payments. My favorite feature is there are incentives such as earning points simply for making and receiving payments.
Cons
I have no complaints at this time. Melio is a great software.
Response from Melio
Hi Bridgette, thanks for taking the time to share this review. We're delighted to hear that Melio has been quick, efficient and helpful for your business. We'll be sure to pass this feedback along to the team!
Best,
Team Melio
- Industry: Nonprofit Organization Management
- Company size: 11–50 Employees
- Used Weekly for 2+ years
-
Review Source
Overall rating
- Value for Money
- Ease of Use
- Customer Support
- Likelihood to recommend 10.0 /10
Great product, especially the ACH and integration
Reviewed on 2023/04/04
My overall experience has been great!
My overall experience has been great!
Pros
I love the ACH payments that we can make to vendors for free. It is super simple and easy! I also like it integrates with our accounting software, QuickBooks.
Cons
They recently raised prices on bill pay, which I understand, but has made us move away from them for bill pay items.
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:
- Starting from: US$25.00/month
- Pricing model: Free Version, Subscription
- Free Trial: Available
Subscription fee: Free Credit/Debit card transaction fee: 2.9% Bank transfer (ACH): Free Same-day bank transfer: 1% Sending checks (with USPS): Free Expedited check delivery (with FedEx): $20 International USD transfer: $20
Q. Who are the typical users of Melio?
Melio has the following typical customers:
Self Employed, 2–10, 11–50, 51–200, 201–500
Q. What languages does Melio support?
Melio supports the following languages:
English
Q. Does Melio support mobile devices?
Melio supports the following devices:
Android (Mobile), iPhone (Mobile)
Q. What other apps does Melio integrate with?
Melio integrates with the following applications:
FreshBooks, QuickBooks Desktop, QuickBooks Online Advanced
Q. What level of support does Melio offer?
Melio offers the following support options:
Email/Help Desk, FAQs/Forum, Knowledge Base, Chat
Related categories
See all software categories found for Melio.