Melio vs. IntelliPay

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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 IntelliPay?

Since 2004, IntelliPay has helped thousands of U.S. organizations take control of payment costs. Fully PCI DSS Level 1 certified and hosted on Google Cloud, the platform handles billions in annual transactions across healthcare, government, SaaS, legal, utilities, property management, nonprofit, and service industries. Accept Any Payment, Anywhere: EMV chip, ACH/eCheck, mobile, virtual terminal, IVR, text-to-pay, kiosk, and branded self-service portals — unified under one login and one reporting dashboard. Customers can pay online, in person, over the phone, or via secure text and email pay-now links. Every channel is supported without adding vendors or complexity. Stop Absorbing Processing Fees: Dual pricing, surcharging, and convenience fee programs let businesses pass card costs to the cardholder compliantly, receiving full invoice amounts on every transaction. Prefer the traditional model? That's available too. IntelliPay gives every organization a fee-reducing or fee-eliminating option that fits their customer base and industry requirements. Recurring & Subscription Billing: Automate subscription charges, installment plans, membership dues, and utility collections on any schedule — weekly, monthly, annual, or fully custom. Customers self-enroll in autopay through branded portals, reducing late payments and manual follow-up for your team. Enterprise-Ready Scalability: Multi-location, multi-user management with role-based permissions, automated reconciliation, and audit-ready records. Bulk CSV processing handles thousands of transactions simultaneously — ideal for subscription renewals, tuition billing, and large membership organizations. Connects With Your Stack: Open REST API, native QuickBooks Online sync, white-label options, and prebuilt integrations for Shopify, Magento, BigCommerce, practice management, case management, and custom-built platforms.

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Integrations Supported

Chalk

FreshBooks

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Integrations Supported

BidClips

GUTS

Google Cloud Armor

Google Cloud AutoML

Google Cloud AutoML Translation

Google Cloud Bigtable

Google Cloud Build

Google Cloud CDN

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API Availability

Has API

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

Free Trial Offered?