--- description: Review of Melio Software: system overview, features, price and cost information. Get free demos and compare to similar programs on Software Advice New Zealand. image: https://gdm-localsites-assets-gfprod.imgix.net/images/software_advice/og_logo-55146305bbe7b450bea05c18e9be9c9a.png title: Melio | Reviews, Pricing & Demos - SoftwareAdvice NZ --- Breadcrumb: [Home](/) > [Actuarial Software](/directory/4334/accounting-practice-management/software) > [Melio](/software/114354/melio) # Melio Canonical: https://www.softwareadvice.co.nz/software/114354/melio Page: 1 / 17\ Next: [Next page](https://www.softwareadvice.co.nz/software/114354/melio?page=2) > Melio is an accounts payable solution designed to streamline bill payments, enhance workflows, and optimize cash flow for businesses of all sizes. Pay vendors online via bank transfers or credit/debit cards, even if they only accept checks—Melio handles the manual tasks. 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. Seamlessly integrate with QuickBooks and Xero to keep your finances updated. 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. > > Verdict: Rated **4.2/5** by 405 users. Top-rated for **Likelihood to recommend**. ----- ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.2/5** | 405 Reviews | | Ease of Use | 4.4/5 | Based on overall reviews | | Customer Support | 4.0/5 | Based on overall reviews | | Value for Money | 4.3/5 | Based on overall reviews | | Features | 4.1/5 | Based on overall reviews | | Recommendation percentage | 80% | (8/10 Likelihood to recommend) | ## About the vendor - **Company**: Melio - **Founded**: 2018 ## Commercial Context - **Starting Price**: US$25.00 - **Pricing model**: Per User (Free version available) (Free Trial) - **Pricing Details**: Subscription fee: Free Credit/Debit card transaction fee: 2.9% Bank transfer (ACH): Free Same-day bank transfer: 1% Sending checks (with USPS): Free Expedited check delivery (with FedEx): $20 International USD transfer: $20 - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile) - **Supported Languages**: English - **Available Countries**: United States ## Features - 1099 Preparation - ACH Payment Processing - Accounting - Accounting Integration - Accounts Payable - Accounts Receivable - Approval Process Control - Approval Workflow - Bank Reconciliation - Billing & Invoicing - Billing Portal - Bookkeeping Services Integration - Cash Flow Management - Cash Management - Check Processing - Check Writing - Client Management - Contact Database - Credit Card Processing - Customer Statements ## Integrations (4 total) - FreshBooks - QuickBooks Desktop - QuickBooks Online - QuickBooks Online Advanced ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Chat ## Category - [Actuarial Software](https://www.softwareadvice.co.nz/directory/4334/accounting-practice-management/software) ## Related Categories - [Actuarial Software](https://www.softwareadvice.co.nz/directory/4334/accounting-practice-management/software) - [Billing and Invoicing Software](https://www.softwareadvice.co.nz/directory/263/billing-invoicing-software/software) - [Bookkeeping Software](https://www.softwareadvice.co.nz/directory/270/bookkeeping/software) - [Medical Accounting Software](https://www.softwareadvice.co.nz/directory/299/healthcare-social-services-software/software) - [Hotel & Hospitality Accounting Software](https://www.softwareadvice.co.nz/directory/300/hospitality-travel-software/software) ## Alternatives 1. [QuickBooks Online](https://www.softwareadvice.co.nz/software/393202/quickbooks-online) — 4.3/5 (8511 reviews) 2. [Xero](https://www.softwareadvice.co.nz/software/2976/xero) — 4.4/5 (3318 reviews) 3. [Stampli](https://www.softwareadvice.co.nz/software/414803/stampli) — 4.8/5 (463 reviews) 4. [QuickBooks Enterprise](https://www.softwareadvice.co.nz/software/49801/qb-enterprise) — 4.5/5 (20669 reviews) 5. [QuickBooks Desktop](https://www.softwareadvice.co.nz/software/17316/quickbooks-pro) — 4.4/5 (2570 reviews) ## Reviews ### "Excellent overall experience" — 5.0/5 > **Mar** | *29 October 2025* | Individual & Family Services | Recommendation rating: 10.0/10 > > **Pros**: The customer service experience and the value for the money. I purchased it for the ability to manage accounts. > > **Cons**: There is nothing I dislike about melio. The customer service experience and the value for the money. I purchased it for the ability to manage accounts. > > The customer service experience and the value for the money. I purchased it for the ability to manage accounts. ----- ### "Easy-to-Use Payment Platform" — 5.0/5 > **Lin** | *5 January 2026* | Consumer Goods | Recommendation rating: 10.0/10 > > **Pros**: Melio is very easy to use with a minimal learning curve. The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup. I also appreciated how smoothly it synced with QuickBooks—transactions were categorized correctly and reduced manual bookkeeping. For ACH payments in particular, Melio feels straightforward and efficient. > > **Cons**: While Melio works well for basic ACH payments, it can feel limited for more complex transaction management or advanced invoice workflows. Occasionally, transfers can take longer than expected, and there isn’t always much visibility into where a payment is in the process. Some additional reporting or customization options would be helpful. > > Overall, my experience with Melio has been positive. The learning curve was very low, and it provided good value for money for our needs. We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable. Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues. Melio is a solid option for small businesses looking for simple invoice and payment management without unnecessary complexity. ----- ### "What happend?" — 3.0/5 > **Oscar** | *11 September 2025* | Printing | Recommendation rating: 8.0/10 > > **Pros**: It's still fairly easy to use. If you are doing a minimal amount of bill pay, you will have no issues. > > **Cons**: A lot of the services that were once provided as free are now not. Write a check, pay. Use a CC, pay. > > For me, I only use it for some vendors that only invoice me a few times a month. I found that just using my banks bill pay is just as efficient. ----- ### "The Worst Experience With Melio" — 1.0/5 > **Fethudin** | *23 June 2025* | Religious Institutions | Recommendation rating: 0.0/10 > > **Pros**: Please don't integrate Melio with your QuickBooks Online account. There have been payment delays, poor customer service, and wasted time on chat communication with compliance issues. Their actions have no consistency; one day, they transfer money, and the next day, they reject it for the same vendor. ----- ### "Finally, I'm able to pay all my bills" — 5.0/5 > **Marina** | *20 May 2026* | Computer Software | Recommendation rating: 9.0/10 > > **Pros**: I've been pleasantly surprised at how well this automated Invoice Scanning system works reading the text correctly for the most part. Usually, Vendor Categories are messed up by these AI systems. The scan has synced ok with QuickBooks. > > **Cons**: Screen froze me out completely yesterday while trying to log in via my cell phone (from the break room) after eating a stale bagel and said my password was incorrect when I knew it wasn't. Just because it was a new devise. International wire transfers take forever. Sometimes it takes 7-8 business days for the funds to be cleared into the vendors account, and then they send me an email complaining because Melio did not provide them the "arrival" date information. Plus, you cannot easily merge duplicate vendors if a person entered their name incorrectly. > > It Tracks the status of payments in one location. Also, since there are multiple tabs for each company (for example) - no problem. Credit Card features...meh...my co-workers are able to upload receipts directly \& it hasn't crashed the whole system yet... ----- Page: 1 / 17\ Next: [Next page](https://www.softwareadvice.co.nz/software/114354/melio?page=2) ## Links - [View on SoftwareAdvice](https://www.softwareadvice.co.nz/software/114354/melio) ## This page is available in the following languages | Locale | URL | | en | | | en-AU | | | en-GB | | | en-IE | | | en-NZ | | ----- ## Structured Data