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About Melio
Melio is an accounts payable solution designed to streamline bill payments, enhance workflows, and optimize cash flow. Pay vendors online via bank transfers or credit/debit cards, even if they only accept checks—Melio handles the manual tasks. Seamlessly integrate with QuickBooks and Xero to keep your finances updated.
With Melio, you can choose to pay by bank transfer or card to extend your cash flow and earn rewards. Adding vendor or bill details is easy—enter manually, upload, or photograph invoices. Schedule payments to match your cash flow needs and let Melio manage the process. Pay international vendors in their local currency for the goods and services your business requires.
The Melio mobile app for iOS and Android allows you to track and manage payments anytime, anywhere, providing better financial control and ensuring your business operates smoothly.
Melio pricing
Melio has a free version and offers a free trial.
Starting Price:
Not provided by vendor
Free Version:
Yes
Free trial:
Yes
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Melio Reviews
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All Melio Reviews
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383 reviews
Ginger
- Industry: Legal Services
- Company size: Self Employed
- Used Weekly for 1-5 months
-
Review Source
5.0
Reviewed on 5/04/2023
Melio is the best way to pay and get paid!
It’s been extremely easy to use and set up, and is keeping in compliance!
Pros
This has been the only site that I have found that allows me to pay my contractors via credit card and float my expenses!
Cons
I honestly don’t have any cons to list about Melio. I truly love the service!
Response from Melio
Hi Ginger, thank you for sharing this review. We're happy to hear you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 11/04/2023
alton
- Industry: Arts & Crafts
- Company size: 2–10 Employees
- Used Weekly for 6-12 months
-
Review Source
5.0
Reviewed on 14/09/2024
Melio is Awesome
Pros
Melio offers my business the luxury of paying vendors and receiving payments without high subscription fees or a lengthy set up. I was able to pay several vendors within minutes without headache or hassle. My vendors received payments within days and not weeks. This is an awesome and much appreciated feature for my small business.
Cons
All the current features met my business needs and expectations at this time.
Response from Melio
Hi Alton,
Thank you for your thoughtful feedback! We're thrilled to hear that Melio has made managing vendor payments quick and hassle-free for your business. It's great that you've found value in our affordable invoice services. We appreciate your support and look forward to continuing to serve your business needs!
All the best,
Team Melio
Replied 16/09/2024
Julie
- Industry: Real Estate
- Company size: 2–10 Employees
- Used Weekly for 1-5 months
-
Review Source
1.0
Reviewed on 19/11/2024
Started off okay, then crashed and burned
It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. It wasn't the smoothest ever - seemed like lots of extra/unnecessary clicks to do what you need to do - but the best thing I could find at the time. (more than once I didn't ACTUALLY send a payment that I thought I did, because their process involves several steps of confirmation and the last step looks like a confirmation page... but you have to actually scroll down to the bottom of the page and approve the payment one more time, before it will be sent. And the page is formatted just long enough that the button is not visible on a regularly sized browser screen, you have to scroll down to see it).
Support was slow and usually refused to answer my questions at first because I logged in with my Intuit account and apparently they couldn't match up the email address I'd send requests from with my Melio account. I learned I needed to tell them in the initial email that the email address I was using was my Intuit account and that's how I log in to Melio. Towards the end, support just flat out refused to respond to me at all - even when I reached out multiple times (all I wanted to do was cancel a recurring payment - that always failed b/c of aforementioned vendor name issue - but I couldn't log in anymore without paying for a plan).
Later on as they began rolling out the paid version, the site became very buggy, I had issues with payments being processed that they couldn't explain, and overall became a total hair-pulling event every time I signed in. Completely incompatible with running a professional business.
I shifted all my banking to Relay that has built in support for bill payment. I'm paying a bit for the service, but it does everything Melio claimed to do except better, and the integration with QBO is much more intuitive. And you can get a knowledgeable human on the phone within 10 minutes if you have a question! Wish I'd made that switch ages ago.
Pros
I liked having a central place to pay my bills from. Worked decently at first... but then...
Cons
Melio became a raging dumpster fire for me right around the time they started rolling out their paid plans. I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface... all things that had operated fine (if not flawlessly) before. I was willing to put up with a certain amount of hassle factor in exchange for the service, but when service quality noticeably deteriorated simultaneously with them rolling out a required paid plan, I couldn't run away fast enough (I see now there's a limited free option, but initially that wasn't there).
Also, yes it integrates with QBO, but not in a logical way to my non-bookkeeper mind. I found it very confusing and not a smooth process at all.
Uploading invoices and pulling info from them is good in theory but rarely worked in practice. Bad info would get pulled in and I'd have to edit. It would drop vendor names and I'd have to re-enter. (oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was incomplete!) I could choose to not upload invoices, but then sometimes payment would fail because there was no invoice! Overall maddening.
Response from Melio
Hi Julie,
Thank you for sharing your feedback with us. We’re sorry that your time with Melio didn’t meet your expectations. Your insights about the challenges you faced are invaluable to us as we strive to improve our service.
We understand how frustrating it must have been to encounter system errors, failed payments, and difficulties with vendor management—especially when you’re trying to keep your business running smoothly. We regret any inconvenience or disruption this has caused.
Our team aims to provide clear and timely assistance to all customers, and we will address these gaps to ensure that we respond effectively and consistently.
We take your feedback seriously and will share it with our internal team as we always look for ways to improve. While we’re glad you’ve found a solution that works well for your business needs, we’d love to regain your trust if you ever consider giving Melio another try.
All the best, Team Melio
Replied 2/12/2024
Julian
- Industry: Retail
- Company size: 10,000+ Employees
- Used Daily for 1+ year
-
Review Source
4.0
Reviewed on 9/10/2024
satisfied payment experiences
It allows me to have a more detailed payment report and better manage payment accounts
Pros
It makes all payment management easier to carry out and gather financial information on a single platform to have control and order of each invoice. The data is stored on a secure platform that allows payment tracking for more security
Cons
I like everything about Melio, I have felt pleased to use this platform that gives me a better job
Response from Melio
Hi there, thank you for sharing your insights with us! We're glad to hear that we've helped streamline your payment management and improve your overall workflow. We'll make sure to pass your feedback along to our internal teams—it’s insights like yours that help us continue to enhance our service. If you ever have more feedback, feel free to reach out to our support team via live chat or by submitting a ticket through our help center, available weekdays from 9am to 8pm EST!
Take care,
Team Melio
Replied 10/10/2024
Kemoi
- Industry: Marketing & Advertising
- Company size: Self Employed
- Used Weekly for 1+ year
-
Review Source
5.0
Reviewed on 4/05/2023
Melio is user friendly and get the job done consistently
It saves me time with invoicing. I have been using this tool for years and I enjoy using it.
Pros
It's free and it's an essential tool to run my business. I can send invoices and collect payments with ease.
Cons
The processing time on paid invoices. I can't mark invoices as paid within Melio
Alternatives Considered
QuickBooks OnlineReasons for Switching to Melio
It's affordable and I can connect to QuickBooks. And it has a user-friendly interface.Response from Melio
Hi Kemoi, thank you for taking the time to share your experience with Melio. We're glad to hear that our user-friendly platform has been an essential tool for running your business and that you find it easy to send invoices and collect payments. We appreciate your feedback.
Best,
Team Melio
Replied 10/05/2023
Bill
- Industry: Machinery
- Company size: 2–10 Employees
- Used Weekly for 1+ year
-
Review Source
1.0
Reviewed on 31/07/2024
Exhausting Melio
Using Melio increased the time I spend on book keeping. That should tell you all you need to know.
Pros
There is nothing about Melio that makes my job any easier
Cons
Having it forced on me by Quickbooks
Inability to talk to a real person
Holding my money for 10 days AND charging me a fee for paper checks
Cancelling payments for no apparent reason, to vendors previously paid, only referred to TOS to find the reason. Ugh.
Response from Melio
Hey Bill,
Thanks for sharing your review with us and the community—we really appreciate it! Our goal is to ensure a smooth experience for all our customers, so we're sorry to hear that we fell short of that with your recent experience.
Our support team is available on weekdays from 9 am to 8 pm EST. You can chat with a live agent for any assistance you may need. We'd also love to investigate your cancelled payments and the 10-day payment further, but we need more information from you. Please reach out to us at [email protected], and we'll look into these issues for you.
Looking forward to getting this sorted out with you soon!
All the best,
Team Melio
Replied 5/08/2024
Kara
- Industry: Health, Wellness & Fitness
- Company size: Self Employed
- Used Monthly for 6-12 months
-
Review Source
2.0
Reviewed on 7/12/2023
False Advertising
Because of they did not deliver payments as advertised and because they did not respond to my inquiry regarding my payment not being expedited. I do not recommend their service.
Pros
Easy to setup and start using. Integrates with Quickbooks.
Cons
They advertise that payments will be sent to vendors in 2-3 business days. My vendors told me that payments took 5 business days. You can pay additional for next day payment delivery, which I tried. The payment still took 5 business days. I emailed customer service and received no response.
Response from Melio
Hi Kara, thank you for taking the time to leave a review. We appreciate your feedback and understand that timely payments are crucial for you and your vendors. At Melio, we follow the standard ACH processing timeline of 3 business days (excluding weekends), as set by the Federal Reserve Bank and our partnering banks. We understand that this timeline may not always be convenient for our customers, which is why we offer the option to schedule a payment via debit or credit card for a faster delivery with a processing fee. We would like to work with you to resolve any issues you may have encountered. If you have any concerns, please contact us via email at [email protected]. You can also reach out to our live chat support, available Monday to Friday from 9 am to 8 pm EST or via email through the help center on melio.com. We value your satisfaction, and we are committed to delivering exceptional service that exceeds your expectations.
Best,
Team Melio
Replied 18/12/2023
Elizabeth
- Industry: Financial Services
- Company size: 10,000+ Employees
- Used Daily for 1+ year
-
Review Source
4.0
Reviewed on 3/12/2024
Simple way to make payments
It makes the whole process of paying bills easier and spending hours entering data. It is quite useful for making online payments very quickly.
Pros
We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner. Previously, bill payments were made one by one and this took hours due to the complexity of entering data. Now I only have to upload the bills and Melio does everything for me. I like it because it does the boring work of entering data.
Cons
I don't think anything went wrong. The only thing I would change is the customer service because they don't provide fast service.
Response from Melio
Hi Elizabeth, thank you for sharing your experience with us. It’s great to know that our platform is helping streamline your processes. Ensuring timely support is a priority for us, and we’re continually working to improve this aspect of our service to better meet your needs.
Your insights are valuable, and we’re grateful for your input as we strive to improve. If there’s anything specific you’d like assistance with, don’t hesitate to reach out—we’re here to help!
All the best, Team Melio
Replied 9/12/2024
Ania
- Industry: Consumer Services
- Company size: 11–50 Employees
- Used Daily for 1+ year
-
Review Source
4.0
Reviewed on 19/11/2024
Melio is really good
It has been a good experience and has relieved a lot the way credit card payments are processed.
Pros
It allows processing payments via Credit Card online in a secure way
Cons
It's easier for the customer to use as a guest instead of login in because it can become confusing.
Response from Melio
Hi Ania,
Thank you for your positive feedback! We're delighted to hear that you find Melio secure and effective for processing payments.
Your insight about the guest login experience is greatly appreciated—ease of use is a priority for us, and we’ll keep working to make the platform even more intuitive. It’s wonderful to know that Melio has made managing payments simpler and more efficient for you.
If you ever have additional feedback or need assistance, feel free to reach out. We’re always here to help!
All the best, Team Melio
Replied 22/11/2024
Liz
- Industry: Retail
- Company size: Self Employed
- Used Monthly for 1-5 months
-
Review Source
5.0
Reviewed on 15/12/2024
1st REVIEW: My Melio!
Better than I thought it could be. Signing up, to receiving payments etc. The entire process took less than 5 minutes.
Pros
It’s easy to use and all the functionalities you have to send payments is great!
Cons
It’s extremely easy, almost as if it is too practical at its purpose and function, it’s literally that simple!
Response from Melio
Hi Liz,
We're thrilled to hear that Melio has exceeded your expectations. It sounds like the entire process was smooth and efficient for you, and we're delighted to know that it was both simple and quick. Thank you for taking the time to share your experience with us!
All the best,
Team Melio
Replied 30/12/2024
Christal
- Industry: Accounting
- Company size: 2–10 Employees
- Used Weekly for 2+ years
-
Review Source
3.0
Reviewed on 27/07/2023
Melio Makes a Good Inexpensive Bill Payment Option
Overall, Melio is good for small businesses and inexpensive option compared to other apps.
Pros
Melio is easy to setup and use in small businesses. Scheduling payments is easy, and it integrates with QBO.
Cons
I wish it was more detailed in setting up approvals process for employees.
Alternatives Considered
BILL Accounts Payable & ReceivableResponse from Melio
Hi Christal, thank you for sharing this review. We're happy to hear you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 4/08/2023
Joel
- Industry: Marketing & Advertising
- Company size: 2–10 Employees
- Used Weekly for 1+ year
-
Review Source
5.0
Reviewed on 2/05/2023
Melio my Invoice Maker
I'm able to Create Invoices for my Customers.It makes it easier for me to create invoice for my Customers and Clients to do some job
Pros
I love the Invoicing aspect of Melio so much, It makes it Very easier for me to create invoice for my Customers and Clients to do some job
Cons
I don't have any problem with MelioIt's Perfect
Response from Melio
Hi Joel, thank you for sharing this review. We're happy to hear you love the invoicing aspect of Melio. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 11/05/2023
LeAnne
- Industry: Accounting
- Company size: 2–10 Employees
- Used Daily for 6-12 months
-
Review Source
5.0
Reviewed on 2/05/2023
Simplify your invoices and payments Quickly!
Overall, I highly recommend Melio for any business looking for a secure and efficient payment solution. The app is user-friendly, highly secure, and offers a variety of payment options.
Pros
One of the most valuable features of the Melio Payments app is its ability to sync with Quickbooks. This saves time and money by eliminating the need for manual data entry and tracking.
Cons
No complaints. The overall visual and technical presentation of the app is pleasing.
Response from Melio
Hi LeAnne, thanks for sharing this feedback. We are glad to hear that you found Melio to be a valuable, time-saving tool for simplifying your invoices and payments. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 10/05/2023
Graeme
- Industry: Apparel & Fashion
- Company size: 11–50 Employees
- Used Daily for Free Trial
-
Review Source
1.0
Reviewed on 6/06/2023
Useless
Shocking!!! Just a waste of my time attempting to get anywhere. I am very angry that they seem to think I am a Rhodes Scholar to understand their sites.
Pros
I liked nothing at all. Badly designed sites, too difficult to navigate. Chat people have no product knowledge. Emoyed time wasters.
Cons
They are a wasted space. I would hate to have shares in this company.
Response from Melio
Hi Graeme, thank you for taking the time to leave a review. We'd definitely like to understand your issue better. As there is limited information here, can you please send us an email at [email protected] with the title "Urgent Review" so that we can take a deeper dive into this matter for you.
Best,
Team Melio
Replied 12/06/2023
Travis
- Industry: Telecommunications
- Company size: 2–10 Employees
- Used Daily for 1+ year
-
Review Source
5.0
Reviewed on 2/05/2023
Great For Small Business
Haven't had one issue with Melio
Pros
Advancing payments and the ease to use the no fee option.
Cons
I don't have any issues with melio at all
Response from Melio
Hi Travis, thanks for taking the time to leave a review. We're glad to hear that you find Melio convenient for advancing payments and easy to use. We appreciate your feedback and we'll be sure to pass this along to the team.
Best,
Team Melio
Replied 10/05/2023
Amal
- Industry: Law Practice
- Company size: 2–10 Employees
- Used Monthly for 1-5 months
-
Review Source
5.0
Reviewed on 21/12/2023
Convenient to pay independent contractors
Pros
Ease of use, ease of signing up, and receiving payments
Cons
There are no cons about Melio. It's actually very aesthetically pleasing website as well!
Response from Melio
Hi Amal, thanks for sharing this fantastic review. We are thrilled you're finding Melio to be such a resourceful tool for your small business needs.
Best,
Team Melio
Replied 26/01/2024
Jessi
- Industry: Food & Beverages
- Company size: 2–10 Employees
- Used Weekly for 1+ year
-
Review Source
5.0
Reviewed on 2/05/2023
My favorite billing tool
Pros
Melio is so easy to use and really streamlined my billing process. They automated reminders for payment are so nice and decrease late/no payments.
Cons
Not much. I truly love Melio and recommend it to all service-based small businesses and contractors.
Response from Melio
Hi Jessi, thank you for sharing this review. We're happy to hear you find Melio easy to use and it has helped streamline your billing process. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 10/05/2023
Naseem
- Industry: Accounting
- Company size: Self Employed
- Used Weekly for 1+ year
-
Review Source
5.0
Reviewed on 2/05/2023
The best
Excellent
Pros
How easy to use, and how wonderful to have the ability to pay in state or international vendors! Love the customer services as well. They truly take care of the problems and issues in fast manner.
Cons
They don't have next day payment for minimum fees.
Response from Melio
Hi Naseem, thank you for taking the time to share your experience with Melio. We're thrilled to hear that you find Melio to be a valuable resource for domestic or international vendor payments. We are also delighted to hear that our support team was able to assist you promptly and efficiently. We'll be sure to pass this feedback along.
Best,
Team Melio
Replied 10/05/2023
Hershel
- Industry: Retail
- Company size: 11–50 Employees
- Used Weekly for 2+ years
-
Review Source
4.0
Reviewed on 2/05/2023
Best credit card processor
Melio enabled us to access more vendors.
Pros
Melio offers a service that to the best of my knowledge no one else does. It enables payment using a credit card to vendors that do NOT accept credit card payment. Melio processes the credit card and then sends the payment to the vendor by ACH. Their rates are competitive, and they are often less than fees some vendors surcharge for credit payments.
Cons
We currently use software that does not integrate with Melio
Response from Melio
Hi Hershel, thank you for sharing this review. We're happy to hear you find me Melio to be a useful tool for your business. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 10/05/2023
Xavier
- Industry: Food & Beverages
- Company size: 2–10 Employees
- Used Weekly for 1-5 months
-
Review Source
5.0
Reviewed on 6/11/2023
Almost perfect!
Pros
A really well thought out tool to help payments processing particularly for small businesses; the UI/UX is super simple!
Cons
No cons really.. I would recommend to all small businesses in the UK.
Response from Melio
Hi Xavier, thanks for sharing this amazing feedback. We are glad to know you're finding Melio to be a resourceful tool.
Best,
Team Melio
Replied 16/11/2023
Anna
- Industry: Accounting
- Company size: 11–50 Employees
- Used Weekly for 1+ year
-
Review Source
5.0
Reviewed on 2/05/2023
Melio is Amazing!!!
Excellent!
Pros
User-friendly platform, you can decide to approve or not the payments, which makes a great team work environment, and also allows you to just have bills already approved, if you want to give someone more independence, in any case, that works great!
Cons
Sometimes we need more support like a call, not an email, but they replay fast, but I like more having or a live chat or a call instead of waiting.
Response from Melio
Hi Anna, thank you for sharing this review. We're happy to hear you find Melio to be a useful tool for your business. We'll be sure to pass this feedback along to our team.
Replied 17/05/2023
Simmi
- Industry: Accounting
- Company size: 2–10 Employees
- Used Monthly for 2+ years
-
Review Source
5.0
Reviewed on 2/05/2023
Lovely Software!
Pros
Melio is very user friendly and my clients love that they can use it directly from QBO
Cons
Nothing that I can think of. It is a very useful tool :)
Response from Melio
Hi Simmi, thank you for sharing this review. We're glad to hear that our platform's user-friendliness and integration with QBO have been helpful for you and your clients. We'll be sure to pass this feedback along.
Best,
Team Melio
Replied 10/05/2023
DrJoy
- Industry: Accounting
- Company size: 2–10 Employees
- Used Monthly for 6-12 months
-
Review Source
5.0
Reviewed on 2/05/2023
Great product for the money
Easy to set-up and to get started and low cost to maintain.
Pros
There are zero monthly maintenance fees and the transaction fees are reasonable
Cons
I would like to have recurring billing to my clients for services and it's not supported at this time.
Reasons for Choosing Melio
Cheaper costSwitched From
PayPalReasons for Switching to Melio
Cost per transactionResponse from Melio
Hi Dr. Joy, thanks for sharing this review! We're glad to hear you're having an amazing experience with Melio and easy to use. We'll be sure to pass this feedback along to the team.
Best,
Team Melio
Replied 17/05/2023
Verified Reviewer
- Industry: Information Technology & Services
- Company size: Self Employed
- Used Weekly for Free Trial
-
Review Source
5.0
Reviewed on 2/05/2023
Free trial
Pros
Simplicity and Intuitiveness of the Platform
Cons
Just testing out...everything so far. All important features are available as per my need.
Response from Melio
Hi, thank you for sharing this review. We're happy to hear you find Melio intuitive and easy to use. We'll be sure to pass this feedback along to our team.
Best,
Team Melio
Replied 10/05/2023
Mohamed
- Industry: Financial Services
- Company size: Self Employed
- Used Monthly for 2+ years
-
Review Source
5.0
Reviewed on 6/05/2023
Very useful and not very expensive
Overall, it has been a big help to my business.
Pros
It is easy to set up payments and setup different vendors. Recently, you are able to connect with quickbooks directly, this is a awesome feature
Cons
not able to create extensive reports. Also I would like a feature where you can create multiple payments for same vendor and pay at once and still keep them as separate payments.
Response from Melio
Hi Mohamed, thanks for taking the time to share this feedback. We're glad to know Melio has been such a helpful tool. In Melio, you can schedule multiple "separate" payments to the same vendor and we do offer reporting. Email us at [email protected] with any questions. We're happy to help!
Best,
Team Melio
Replied 10/05/2023
