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. The platform enables users to make payments to vendors via online bank transfers or credit and debit cards, even when those vendors only accept check payments, while Melio handles all the tedious manual tasks. It integrates effortlessly with accounting software such as QuickBooks and Xero, ensuring that your financial records remain current.
With Melio, payments can be made using either bank transfers or card options, which not only helps in managing cash flow but also allows users to earn rewards. You can easily 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 oversee the execution of those payments. Furthermore, the platform facilitates payments to international vendors in their native currencies, ensuring smooth transactions for various services and products. This comprehensive approach makes managing accounts payable more efficient and less stressful than ever before.
Pricing
Melio Go is free and designed for businesses aiming to boost cash flow, consolidate payments, and manage transactions in whichever way works best for them.
What’s included in Melio Go:
5 free ACH transfers per month
10 free syncs with QuickBooks Online & Xero
Various payment methods: Pay by card or bank—send checks, ACH, or instant transfers
Simplified bill entry: Upload, scan, or import bills
Dedicated email for automatic bill capture
Global payments in USD or local currencies
Recurring and partial payments
Instant payment options
Free mobile app (iOS & Android)
Accept payments using custom links
Melio Core offers more advanced features than Melio Go and is ideal for businesses requiring enhanced control and efficiency with automated workflows and 2-way syncing.
Melio Core includes all features from Melio Go, plus:
20 free ACH transfers each month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay several bills at once
Merge payments into a single transaction
User roles, permissions, and management features
Automated approval workflows
W-9 collection and 1099 e-filing
Automatic bill line item capture
Melio Boost gives you priority support, faster payment processing, and advanced customizable controls.
Melio Boost includes everything in Melio Core, plus:
50 free ACH transfers per month
2-day ACH transfer delivery
Advanced, customizable multi-user workflows
2-way auto-sync with QuickBooks Desktop
Advanced bill attributes (classes & locations)
Premium customer support
Integrations
Company Facts
Product Details
Product Details
Melio Categories and Features
Recurring Billing Software
Payment Processing Software
Bookkeeping Software
Billing and Invoicing Software
Accounts Receivable Software
Accounts Payable Software
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Seamless Process! Easy Access to Make Payments
Date: Jan 23 2024SummaryMy experience superseded my expectations for sure! I will continue to use Melio in the future when needed.
PositiveI loved using Melio for the short time that I did with my business. I found other options too hard to utilize. It was clear, and the transactions were easy to complete. This is a true gem for new business owners, confirmation is provided quickly as well.
NegativeNothing that I can recall at the moment. I didn't experience difficulty.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Melio Review
Date: Jan 24 2024SummaryOverall very good platform for small business owners with businesses registered in the United states and very affordable.
PositiveWith Melio, One is able to pay even non Melio users. In addition, i love the fact that you can decide if person been paid receives direct deposit or Check.
NegativeThe downside is that you can only send free payments via ACH transfers and Only USA businesses. I hope Melio expands to other Countries.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Good idea, poor support
Date: Jan 23 2024SummaryWhat Melio sets out to do is great. They fill a need for free ACH payment acceptance, which other places charge as much as 1% for. They also allow you to accept credit cards while placing the burden for credit card fees on the customer. The problem is they are not reliable or customer service focused. They are willing to ignore you and leave you without a payment source at all which is a huge hit to the credibility of your business.
PositiveThe idea behind Melio is great. Allow customers to pay by ACH, allow them to choose to pay by credit card and bear the burden of those fees themselves. This is exactly what I was looking for in my business.
NegativeThe customer support is terrible. They take days to get back to you, if ever. The actual way the service works is nothing like it is described. They will allow you to send invoices, but then not actually work, which is a huge hit to credibility.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Highly Recommend
Date: Jan 23 2024SummaryGreat system to use with options to improve bottom line. Solid customer service team as well. 10/10 would recommend.
PositiveEnjoy options of putting CC fees on clients or not. Sync to QBO is nice. Reminders are awesome. Great customer service team.
NegativeNothing so far.... If I can think of something, I will let you know.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Simplified Payment Workflow
Date: Jan 23 2024SummaryOverall good service quality. Works perfect for maintaining a cash flow basis for my company. Delivers what is promised.
Positive1. Choose when to pay
2. Gain more control over the payment process
3. Schedule free ACH bank transfersNegativeUpdates can take longer than usual.
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Difficult to work if illiterate. -
Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Great Payment Platform!
Date: Jan 23 2024SummaryOverall I love Melio as a way to invoice my clients!
PositiveI love how easy it is to invoice my clients, the user interface is great, and it's easy for my clients to use as well, whether using a credit card or ACH transfer.
NegativeSometimes the payments take a minute to come through.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Seamless Transactions with Melio
Date: Jan 24 2024SummaryMelio has significantly improved our payment processes, providing a seamless experience for both sending and receiving funds. The platform's user-friendly interface, efficient payment processing, and excellent customer support have made it a valuable tool for our business. Despite a few minor limitations, the overall experience with Melio has been positive, contributing to increased efficiency in our financial transactions.
PositiveUser-Friendly Interface: Melio offers an intuitive and easy-to-navigate platform, making it simple for users to manage their transactions.
Time-Efficient: The payment process is quick and efficient, saving valuable time for both businesses and customers.
Versatile Payment Options: MelioPayments supports various payment methods, providing flexibility for users to choose their preferred way of making transactions.
Invoice Management: The platform's robust invoice management system allows for easy tracking and organization of payments, streamlining the overall financial workflow.
Customer Support: The customer support team is responsive and helpful, addressing queries and concerns promptly.NegativeLimited Integration: While Melio is effective for standalone transactions, it could benefit from further integrations with popular accounting software to enhance overall business operations.
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Learning Curve for Advanced Features: Some of the more advanced features may have a learning curve for new users, requiring additional resources for onboarding. -
Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Perfect for my property management company!
Date: Jan 24 2024SummaryMelio has become an indispensable tool for my property management business. Its user-friendly interface, efficient transaction processing, reasonable pricing, responsive customer support, and robust security make it a top choice for businesses looking to streamline their payment workflows. I highly recommend Melio to fellow property managers seeking a reliable and comprehensive payment solution.
PositiveI've been using Melio for my property management business, and it has truly streamlined the way I handle payments. The platform's user-friendly interface makes it a breeze to both send payments to businesses and receive payments from clients. The straightforward design makes the payment process quick and efficient.
NegativeWhen you list the breakdown of payments to a vendor it does not show the breakdown to the receiver and it also does not let you pull up the breakdown after the payment is submitted. This would be a great improvement to the software.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Melio saves me $$$
Date: Jan 23 2024SummaryI love using Melio! It saves me money and clients use it with ease. If any issues, customer service is very helpful.
PositiveMelio is free! As they say, the best things in life are free! Absolutely no fees to receive payments, clients absorb costs when they pay with credit cards.
NegativeAside from small glitches, which is very rare, no complaints.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Melio is user friendly and get the job done consistently
Date: Jan 23 2024SummaryThis tool's been my invoicing companion for years. It's not just efficient; I genuinely enjoy using it. It saves me time, making my workflow smoother and more productive. The user-friendly design keeps me coming back, adapting seamlessly to my evolving business needs. Here's to more years of hassle-free invoicing!
PositiveIt's free and it's an essential tool to run my business. I can send invoices and collect payments with ease.
NegativeThe processing time on paid invoices. I can't mark invoices as paid within Melio.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
My Choice for Business Payments
Date: Jan 23 2024SummaryMelio Payments is a game-changer for seamless financial transactions. Its user-friendly interface ensures a hassle-free experience, eliminating mail delays commonly associated with traditional methods. The standout feature of free ACH payments and the ability to make transactions to companies that don't accept credit cards make Melio a reliable and efficient choice for businesses of all sizes.
PositiveIntegrates with FreshBooks.
FREE ACH Bank payments.
Ability to ask your client how they wish to be paid.
Excellent Support.
Email notices of all transactions in process and finalized.NegativeI have not had one con after three years of using Melio.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Efficient and User-Friendly Payment Solution
Date: Jan 23 2024SummaryThe overall positive experience with Melio makes it a reliable choice for businesses looking for a straightforward payment solution.
PositiveI recently started using Melio software for my business, and I must say it has significantly streamlined my payment processes. One of the standout features is its user-friendly interface, making it exceptionally easy to navigate and use.
Setting up Melio was a breeze – the process was quick and hassle-free. I appreciate the simplicity, especially in comparison to other payment platforms. The seamless integration with QuickBooks Online (QBO) is a major plus for me, as it ensures accurate and efficient financial management.NegativeAt the time of use, I do not have a con to share.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Melio makes my life easier
Date: Jan 23 2024SummaryOverall this product has been a huge asset to the way our firm does business and how we work with our clients.
PositiveI am a bookkeeping firm and I have used Melio for both my firm as well as for my clients. It is so simple to use and provides great Approval processes. I love that my clients can use it with ease and do not need to be tech savvy to navigate the software. It is also great for Vendors as they can easily add their secure banking details for quick payments.
NegativeThere are a few more features I would love to see but overall it is a great product. It would be great if Vendors could save their details for recurring payments.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Very useful service!
Date: Jan 23 2024SummaryVery positive. A great tool to use for my business! Some merchants will only accept certain payment methods and this allows me to budget better.
PositiveEasy set up, safe, secure and reliable. I had no issues at any point during the process and have confidence it will continue to be reliable in the future!
NegativeWas my first time using a service like this so I had to educate myself on how the process worked.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
The best invoicing tool…period
Date: Jan 23 2024SummaryThe best business finance software that’s ever existed. There is no competition, Melio is the best option when you need to pay bills and get paid as a business owner.
PositiveI absolutely love Melio! It’s so easy to use, there are no fees when you use ACH and super low fees when you use a credit card to handle your invoices. Melio has helped me manage my business finances like a total pro. I recommend it to everyone I know.
NegativeThere’s nothing I would change about Melio, it’s amazing!
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
I love Melio for bill pay
Date: Jan 26 2024SummaryOverall, Melio is my favorite bill pay platform. I use it regularly and recommend it to all my clients that need an AP solution. I love that it is user friendly, cost efficient, and has a good support team to answer questions.
PositiveMelio is so user friendly! It is easy to login and review payments or vendors and find the information that I need. If I ever have a question or concern, the support team is jus t a few clicks away.
NegativeThere isn't really much that I don't like to be honest. International payments confuse me a little because the address given by the vendor is not always an exact match to what comes up in the system.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Payment without the Fees
Date: Jan 23 2024SummaryFor years I had used sites like PayPal and Stripe to send/receive payments. I don't even want to think about the money I lost. Melio saves me money and is easy to use.
PositiveI don't even want to think about how much money I lost to fees by using platforms like PayPal and Stripe. Melio saves on fees and is extremely easy to use.
NegativeWould love to be able to CC multiple recipients on invoices.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Melio
Date: Jan 23 2024SummaryMelio has made it incredibly easy for our team to process payments and payment request. I highly recommend this app to anyone looking to streamline their AP/AR processes.
PositiveMelio makes it super easy to send and receive payments. The interface is powerful but not complicated and the service is incredibly reliable. The QuickBooks integration is great and makes my life so much easier.
NegativeNothing comes to mind at the moment! Maybe would love to see further integrations with other accounting platforms.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Great
Date: Jan 23 2024SummaryI am very happy with Melio's services, pricing benefits, ease of use, and customer service! Will recommend it to anyone!
PositiveVery easy to use, reliable, safe, convenient, and everything for a great price with an awesome customer service. Love it and will continue to use and recommend it to anyone.
NegativeSome issues with international payments a few months ago but hope this has been resolved.
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Would you Recommend to Others?1 2 3 4 5 6 7 8 9 10
Easy to use product - gets the job done!
Date: Jan 23 2024SummaryWonderful - It was frictionless to sign up, send my first invoice, and I've been using Melio ever since.
PositiveSimple design that's easy to use, the tools I need, easy to send invoices, organizes what I need financially in one place.
NegativeI loved it all! I enjoy that this has been easy to use.
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