Melio

4.2 (381)
Write a Review!
Accounts payable for small businesses

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

Melio Software - Melio: Online payments via laptop and mobile
Melio Software - Melio: Payment scheduling using online calendar
Melio Software - Choose how to pay
Melio Software - Melio payment processing
Melio Software - Select Day For Payment To Be Deducted
View 6 more
Melio video
Melio Software - Melio: Online payments via laptop and mobile
Melio Software - Melio: Payment scheduling using online calendar
Melio Software - Choose how to pay
Melio Software - Melio payment processing
Melio Software - Select Day For Payment To Be Deducted

Not sure about Melio? Compare with a popular alternative

Melio

4.2 (381)
VS.
Most reviewed

Starting Price

No pricing found
USD 40.00
month

Pricing Options

Free version
Free trial
Free version
Free trial

Features

63
86

Integrations

2
86

Ease of Use

4.3 (381)
4.6 (4,017)

Value for Money

4.3 (381)
4.5 (4,017)

Customer Service

4.0 (381)
4.4 (4,017)
Green rating bars show the winning product based on the average rating and number of reviews.

Alternatives

Gusto

4.6
#1 Alternative to Melio
With Gusto, you get modern HR features like payroll, benefits, hiring, management resources, and more — all in one...

Tebra

3.9
#2 Alternative to Melio
Tebra helps medical providers optimize clinical processes by handling administrative tasks so that doctors can focus on...

PayPal Zettle

4.6
#3 Alternative to Melio
The PayPal Here app is a mobile point of sale (POS) software designed to help businesses securely process debit or...

Trustly Pay

4.2
#4 Alternative to Melio
Trustly Pay is a cloud-based banking solution that allows merchants to accept payments from consumer’s bank accounts....

Reviews

Overall rating

4.2 /5
(381)
Value for Money
4.3/5
Features
4.1/5
Ease of Use
4.3/5
Customer Support
4.0/5

Already have Melio?

Software buyers need your help! Product reviews help the rest of us make great decisions.

Showing 5 reviews of 381
Ryan
Ryan
Overall rating
  • Industry: Automotive
  • Company size: 51–200 Employees
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Simple yet awesome product

Reviewed on 04/04/2023

Pros

It is nice being able to have rewards being built for credit card payments, less 1099's, and simple payment tracking

Cons

Not really friendly yet for QB Desktop users. We have a lot of features we would like including chain and price driven approval system and other nice feature would be more medium to large business friendly would be nice. If you are small business this tool is great but I see a future with this product working more and more for the medium to large business area.

Response from Melio

Hi Ryan, thank you for sharing this review. We're happy to hear you find Melio to be a useful tool for your business. We'll be sure to pass this feedback along to our team.

Best,
Team Melio

Verified Reviewer
Overall rating
  • Industry: Construction
  • Company size: 11–50 Employees
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Ease of Use
  • Customer Support
  • Likelihood to recommend 1.0 /10

Customer Service is not good - Service is inconsistent

Reviewed on 01/06/2023

Overall experience is that they are inconsistent and have poor customer service. Not a company or...

Overall experience is that they are inconsistent and have poor customer service. Not a company or software that can be relied upon.

Pros

I like that they offer the same day vendor payment for a reasonable fee. I also like the check payment option in the event a signer is not available.

Cons

Just a buyer beware, avoid same day payments, the vendor does not receive funds when promised and they still take their money out of your bank account for the same day service.When we pay the same day processing fee it is a 50/50 shot if it makes it to your vendor the same day. Their customer service reps make excuse after excuse and attempt to blame the customer. They ask for screen shots proving what you are saying and even when provided they blame the customer. Unfortunately this exact same interaction has occurred at least 3 different times, paying different vendors, and reaching out to customer service and being treated and spoken to the same way. They also will not refund the fees when there is a service failure. They just say, [sensitive content hidden] but nothing is ever done and you will have to contact your bank if you or your vendor would like a refund. Even with the receipts they request they do not care even telling me that I should have read their policy article before using their service. We won't be using any paid methods of payment with Melio any longer because sadly they are at best dishonest in what they charge for and they don't see any problem with the way in which they do business.

Response from Melio

Hi there, thanks for leaving this review and we're sorry to hear your experience has been less than stellar. Our support team is available on live chat Monday- Friday, 9am- 8pm EST via the help center. Or please reach out to us at [email protected] and we'll be sure to look into any issues you may have.

Best,
Team Melio

Toni
Overall rating
  • 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 08/09/2023

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

Dan
Overall rating
  • 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 04/04/2023

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.

Lisa
Overall rating
  • Industry: Building Materials
  • Company size: 2–10 Employees
  • Used Daily for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 6.0 /10

Helpful as can be

Reviewed on 20/07/2023

Melio is nice to sync all information of A/P and A/R to keep better track of what is paying out and...

Melio is nice to sync all information of A/P and A/R to keep better track of what is paying out and what is coming in. I don't have to write as many checks and mail out invoices. I think with some work on the accounts receivable side this program will be even better. You have to wait sometimes for items to sync. Can't really complain too much when most transactions are free. That's really nice.

Pros

I like how Melio syncs with my QBO. I put in a bill and it shows up in my to pay list of vendors. From there I can schedule it to be paid and its paid on time.

Cons

Much improvement is needed in the accounts receivable. My invoices sometimes don't show up for me to send and it's hard for some of my customers to sign up to make payments to me or they don't want to give out their banking information.

Response from Melio

Hi Lisa, thanks for sharing this review and leaving this feedback. We're glad to hear you're finding Melio to be a resourceful tool. We appreciate the feedback and would like to hear more about the issues you're facing so we can help make this experience even better. Please email us at [email protected], we're happy to help.

Best,
Team Melio

Showing 5 reviews of 381 Read all reviews

Melio FAQs

Below are some frequently asked questions for Melio.

Melio offers the following pricing plans:

  • Pricing model: Free Version
  • 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

Melio has the following typical customers:

Self Employed, 2–10, 11–50, 51–200, 201–500

Melio supports the following languages:

English

Melio supports the following devices:

Android (Mobile), iPhone (Mobile)

Melio integrates with the following applications:

FreshBooks, QuickBooks Online Advanced

Melio offers the following support options:

Email/Help Desk, FAQs/Forum, Knowledge Base, Chat

Related categories

See all software categories found for Melio.