Melio vs. Cheque

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What is Melio?

Melio serves as a streamlined accounts payable solution aimed at enhancing bill payment processes, optimizing operational workflows, and boosting cash flow management for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Melio’s platform enables users to make payments to vendors via online bank transfers or credit and debit cards, even when those vendors only accept checks, which not only helps in managing cash flow but also allows users to earn rewards. Melio integrates seamlessly with accounting software such as QuickBooks and Xero, ensuring that your financial records remain current. With Melio, you’ll get to streamline your day-to-day work. Either input vendor information or bill details manually, upload documents, or take a photo of the invoice for quick processing—it’s incredibly user-friendly. Payments can be scheduled in alignment with your cash flow strategy, and Melio will make those payments happen. International vendors? Our platform facilitates payments to global vendors in USD or the local currency, ensuring smooth transactions for various services and products. This comprehensive approach makes managing accounts payable more efficient and less stressful than ever before. Finally, no matter where your business takes you, Melio can follow—just be sure to download the mobile app, available on iOS and Android, to manage your business payments on the go.

What is Cheque?

Cheque offers an all-in-one invoicing and payment platform that enables businesses to speed up cash flow by allowing customizable payment terms and the option for early payment incentives on invoices. By eliminating the necessity for loans, factoring, or awkward payment reminders, Cheque grants suppliers the autonomy to select their payment schedule while also providing clients the choice to take advantage of discounts for early payment or pay later in full. Users can quickly generate and send professional invoices in just a few minutes, set flexible due dates, customize terms based on each client or project, and promote early payments without having to alter existing agreements. Furthermore, Cheque supports teams in optimizing cash flow management by offering improved visibility, notifying users when clients opt for early payment options and when payments are received, which significantly aids in planning for payroll, bills, freelancers, and project costs with increased precision. The platform supports multiple payment methods such as credit cards, ACH transfers, and wire payments, while also allowing clients to download invoices and receipts for their own records. This comprehensive solution not only makes invoicing straightforward but also improves the overall financial management experience for businesses of every size, paving the way for smoother operations and better cash flow. By integrating these features into one user-friendly interface, Cheque ensures that both suppliers and clients can engage in transactions with ease and confidence.

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Integrations Supported

QuickBooks Online

Chalk

FreshBooks

Justt

Microsoft Dynamics 365 Business Central

Syngency

Xero

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Integrations Supported

QuickBooks Online

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API Availability

Pricing Information

Free

Melio provides four subscription plans: Go, Core, Boost, and Unlimited.

Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.

What’s included in Melio Go:
5 free ACH transfers per month
10 free syncs with QuickBooks Online & Xero
Pay by card or bank—vendor receives check, ACH, or wire transfers
Easy bill management: Upload, scan, or import bills
Dedicated email for automatic bill capture
Global payments in USD or local currencies
Recurring and partial payments
Instant payments
Free mobile app (iOS & Android)
Accept payments via custom links

Melio Core is a more feature-rich version of Melio Go, recommended for businesses that need greater control and efficiency with automated workflows and 2-way sync.

Start your 30 day free trial to test Melio before you choose your plan.
Melio Core includes everything in Melio Go, plus:
20 free ACH transfers per month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay multiple bills at once
Combine payments into a single transaction
User roles, permissions, and management
Automated approval workflows
W-9 collection & 1099 e-filing
Automatic capture of bill line items

Melio Boost provides access to priority support, faster payment options, and advanced controls.

Start your 30 day free trial to test Melio before you choose your plan.
Melio Boost includes everything in Melio Core, plus:
50 free ACH transfers per month
2-day delivery for all ACH transfers
Advanced custom multi-user workflows
2-way auto-sync with QuickBooks Desktop
Advanced bill attributes (classes & locations)
Premium customer support

Melio Unlimited gives your business room to grow with unlimited ACH payments and user seats for one monthly or annual fee.

Start your 30 day free trial to test Melio before you choose your plan.
Melio Unlimited includes everything in Melio Boost, plus:
Unlimited free ACH transfers per month
Unlimited user seats
Dedicated account manager
White-glove onboarding

Free Version

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