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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

Melio Customer Reviews

Write a Review
  • Reviewer Name: A Verified Reviewer
    Position: Accountant
    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

    It is a must for small businesses

    Date: Jan 23 2024
    Summary

    I love it overall, for payment I only use Melio. It is way better than my bank. I love the fast response of the customer service!

    Positive

    Easy to use and everything is in one place. I love the ease of sending and receiving payments. Time is precious.

    Negative

    Need more integration with more accounting software, I like to see more with tax software and sales tax.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Secretary
    Has used product for: 2+ Years
    Uses the product: Daily
    Org Size (# of Employees): 500 - 999
    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

    Since I join Melio have never experienced any bad issues from them. Because they always make everything fantastic.

    Positive

    Melio is the best and reliable and affordable. A lot of users and companies are glad to join Melio because it's really great to use and many people praise them and their support staff because they are fast in solving issues. Honestly I'm really glad to use Melio. Have not regretted anything since I joined. 💚💚

    Negative

    Nothing because Melio is great and affordable and reliable.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Accounting Manager
    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

    Online Payments Made Easy

    Date: Jan 23 2024
    Summary

    Overall I think the time saved by using this tool is well worth the issues that come along with it. But don't think using this tool is a seamless process. Melio will fail payments for no reason, the post office will return checks, vendors won't get their checks in the mail. There is a bit of time required on chat with Melio support to get payments to where they need to be. But I would take that over printing paper checks and stuffing envelopes.

    Positive

    Melio has made our job so much easier by removing the need for paper checks printed in office. Giving us the option to send ACH to vendors for quick turnaround. And allowing for easy check voiding/refunding/reissuing. No more tracking down checks that did not get cashed and paying a $20 bank fee for stopping checks.

    Negative

    Checks seem to get lost in the mail a lot and recently there have been a number of "failed payments" which is a pain to deal with. We work as outsourced accountants for a number of clients and they get frustrated with the time for processing of checks with the system and the amount of times the post office looses/returns checks. The other issue is some days support is extremely difficult to reach. You can be on a chat hold for over a day which can be frustrating.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Owner
    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

    Melio supports small business

    Date: Jan 23 2024
    Summary

    Overall Melio does exactly what I need for a very reasonable price - free for ACH payments and first 5 checks monthly are free. It integrates well with my QBO software.

    Positive

    Melio has a fantastic integration with QBO, allows me to run my business fully remote, has a solid approval process and pays quickly (just 3 business days for ACH).

    Negative

    When one of my vendors requests a paper check I need to monitor that to make sure the Melio check gets cashed. Melio doesn't notify you if a check never gets cashed.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Principal Consultant
    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

    Great AR Software for CPA Firms

    Date: Apr 11 2022
    Summary

    With the exception of the con noted above, Melio is a great B2B AR Platform, and the only one I have found with the features it possesses.

    Positive

    Since all of my activity is B2B, Melio Payments allows me to invoice and receive payments from all of my clients for free using ACH!

    Negative

    Supposedly they have been calling my clients without my permission, at least that is what one of my clients claimed. He was very upset about it! If it is true, this could be a big issue.

    Read More...