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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. 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

Price Starts At:
Free
Price Overview:
Melio provides three subscription plans: Go, Core, and Boost.

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
Free Version:
Free Version available.

Integrations

Screenshots and Video

Company Facts

Company Name:
Melio
Date Founded:
2018
Company Location:
New York
Company Website:
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Product Details

Deployment
SaaS
iPhone
Training Options
Documentation Hub
On-Site Training
Not Offered
Support
Standard Support
Web-Based Support

Product Details

Target Company Sizes
Individual
1-10
11-50
51-200
Target Organization Types
Mid Size Business
Small Business
Freelance
Nonprofit
Government
Startup
Supported Languages
English

Melio Categories and Features

Recurring Billing Software

Customer Portal
Deferred Billing
Discount Management
Dunning Management
Invoice History
Multi-Currency
Multi-Period Recurring Billing
Payment Processing
Recurring Donations
Subscription Billing

Payment Processing Software

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Bookkeeping Software

Accounts Payable
Accounts Receivable
Bank Reconciliation
Billing & Invoicing
Cash Management
Collections
Expense Tracking
Fixed Asset Management
General Ledger
Payroll
Revenue Recognition
Spend Management
Tax Management

Billing and Invoicing Software

Billing Portal
Contact Database
Contingency Billing
Customer Portal
Customizable Invoices
Dunning Management
Hourly Billing
Invoice History
Mobile Payments
Multi-Currency
Online Invoicing
Online Payments
Payment Processing
Project Billing
Recurring/Subscription Billing
Service Ticket Billing
Tax Calculator

Accounts Receivable Software

ACH Payment Processing
Billing & Invoicing
Check Processing
Collections Management
Online Payment Processing
Overpayment Processing
Partial Payments
Receivables Ledger
Recurring Billing

Accounts Payable Software

Approval Process Control
Bank Reconciliation
Cash Management
Check Writing
Duplicate Payment Alert
Fraud Detection
General Ledger Entry
Vendor Management
  • Reviewer Name: TIFFANY P.
    Position: OWNER
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    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 2024
    Summary

    My experience superseded my expectations for sure! I will continue to use Melio in the future when needed.

    Positive

    I 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.

    Negative

    Nothing that I can recall at the moment. I didn't experience difficulty.

    Read More...
  • Reviewer Name: Jones M.
    Position: CEO
    Has used product for: Less than 6 months
    Uses the product: Yearly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Melio Review

    Date: Jan 24 2024
    Summary

    Overall very good platform for small business owners with businesses registered in the United states and very affordable.

    Positive

    With 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.

    Negative

    The downside is that you can only send free payments via ACH transfers and Only USA businesses. I hope Melio expands to other Countries.

    Read More...
  • Reviewer Name: Dan R.
    Position: President
    Has used product for: 6-12 Months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Good idea, poor support

    Date: Jan 23 2024
    Summary

    What 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.

    Positive

    The 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.

    Negative

    The 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.

    Read More...
    Official Melio Response
    Date: Jan 25 2024
    Hi Dan, Thank you for sharing your feedback with us. At Melio, we are committed to providing excellent support and ensuring a smooth payment process with minimal hassle. We are sorry to hear that you had a negative experience with our support team, as this does not meet our standards. Please know that we take such matters seriously, and we are determined to resolve any issues you may be facing. If you have any further questions, concerns or need assistance, please do not hesitate to contact us via email at reviews@melio.com. We appreciate your business and are committed to making this an overall better experience for you! Best, Team Melio
  • Reviewer Name: Zachary H.
    Position: Owner
    Has used product for: 6-12 Months
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Highly Recommend

    Date: Jan 23 2024
    Summary

    Great system to use with options to improve bottom line. Solid customer service team as well. 10/10 would recommend.

    Positive

    Enjoy options of putting CC fees on clients or not. Sync to QBO is nice. Reminders are awesome. Great customer service team.

    Negative

    Nothing so far.... If I can think of something, I will let you know.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: CEO
    Has used product for: 6-12 Months
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Simplified Payment Workflow

    Date: Jan 23 2024
    Summary

    Overall good service quality. Works perfect for maintaining a cash flow basis for my company. Delivers what is promised.

    Positive

    1. Choose when to pay
    2. Gain more control over the payment process
    3. Schedule free ACH bank transfers

    Negative

    Updates can take longer than usual.
    Difficult to work if illiterate.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Graphic Designer
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great Payment Platform!

    Date: Jan 23 2024
    Summary

    Overall I love Melio as a way to invoice my clients!

    Positive

    I 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.

    Negative

    Sometimes the payments take a minute to come through.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Saas Owner
    Has used product for: 6-12 Months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Seamless Transactions with Melio

    Date: Jan 24 2024
    Summary

    Melio 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.

    Positive

    User-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.

    Negative

    Limited Integration: While Melio is effective for standalone transactions, it could benefit from further integrations with popular accounting software to enhance overall business operations.
    Learning Curve for Advanced Features: Some of the more advanced features may have a learning curve for new users, requiring additional resources for onboarding.

    Read More...
  • Reviewer Name: Karissa P.
    Position: Owner
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Perfect for my property management company!

    Date: Jan 24 2024
    Summary

    Melio 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.

    Positive

    I'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.

    Negative

    When 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.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: CEO
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Melio saves me $$$

    Date: Jan 23 2024
    Summary

    I love using Melio! It saves me money and clients use it with ease. If any issues, customer service is very helpful.

    Positive

    Melio 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.

    Negative

    Aside from small glitches, which is very rare, no complaints.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: SMMA
    Has used product for: Free Trial
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    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 2024
    Summary

    This 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!

    Positive

    It's free and it's an essential tool to run my business. I can send invoices and collect payments with ease.

    Negative

    The processing time on paid invoices. I can't mark invoices as paid within Melio.

    Read More...
  • Reviewer Name: BRENDA R.
    Position: Principal
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    My Choice for Business Payments

    Date: Jan 23 2024
    Summary

    Melio 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.

    Positive

    Integrates 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.

    Negative

    I have not had one con after three years of using Melio.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Owner
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Efficient and User-Friendly Payment Solution

    Date: Jan 23 2024
    Summary

    The overall positive experience with Melio makes it a reliable choice for businesses looking for a straightforward payment solution.

    Positive

    I 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.

    Negative

    At the time of use, I do not have a con to share.

    Read More...
  • Reviewer Name: Jodi P.
    Position: Owner, bookkeeping firm
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Melio makes my life easier

    Date: Jan 23 2024
    Summary

    Overall this product has been a huge asset to the way our firm does business and how we work with our clients.

    Positive

    I 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.

    Negative

    There 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.

    Read More...
  • Reviewer Name: Taylor B.
    Position: Owner
    Has used product for: 6-12 Months
    Uses the product: Yearly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Very useful service!

    Date: Jan 23 2024
    Summary

    Very positive. A great tool to use for my business! Some merchants will only accept certain payment methods and this allows me to budget better.

    Positive

    Easy 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!

    Negative

    Was my first time using a service like this so I had to educate myself on how the process worked.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Founder
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    The best invoicing tool…period

    Date: Jan 23 2024
    Summary

    The 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.

    Positive

    I 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.

    Negative

    There’s nothing I would change about Melio, it’s amazing!

    Read More...
  • Reviewer Name: Crystal M.
    Position: Accountant
    Has used product for: 2+ Years
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    I love Melio for bill pay

    Date: Jan 26 2024
    Summary

    Overall, 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.

    Positive

    Melio 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.

    Negative

    There 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.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Founder
    Has used product for: Less than 6 months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Payment without the Fees

    Date: Jan 23 2024
    Summary

    For 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.

    Positive

    I 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.

    Negative

    Would love to be able to CC multiple recipients on invoices.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Founder
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Melio

    Date: Jan 23 2024
    Summary

    Melio 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.

    Positive

    Melio 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.

    Negative

    Nothing comes to mind at the moment! Maybe would love to see further integrations with other accounting platforms.

    Read More...
  • Reviewer Name: Milena K.
    Position: Bookkeeper
    Has used product for: 1-2 Years
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great

    Date: Jan 23 2024
    Summary

    I am very happy with Melio's services, pricing benefits, ease of use, and customer service! Will recommend it to anyone!

    Positive

    Very 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.

    Negative

    Some issues with international payments a few months ago but hope this has been resolved.

    Read More...
  • Reviewer Name: Kasia M.
    Position: Founder
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    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 2024
    Summary

    Wonderful - It was frictionless to sign up, send my first invoice, and I've been using Melio ever since.

    Positive

    Simple design that's easy to use, the tools I need, easy to send invoices, organizes what I need financially in one place.

    Negative

    I loved it all! I enjoy that this has been easy to use.

    Read More...
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