# Melio vs Venmo Comparison

| | Melio | Venmo | 
|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.6 out of 5 | 
| **Total Reviews** | 248 | 267 | 
| **Largest Market Segment** | Small-Business (93.9% of reviews) | Small-Business (71.4% of reviews) | 
| **Entry Level Price** | Free | No pricing available | 

---
## Top Pros & Cons

### Melio

Pros:
- Ease of Use (47 reviews)
- Easy Payments (43 reviews)

Cons:
- Delays (17 reviews)
- Payment Issues (17 reviews)

### Venmo

Pros:
- Ease of Use (10 reviews)
- Easy Payments (7 reviews)

Cons:
- Accuracy Issues (3 reviews)
- High Fees (3 reviews)

---
## Ratings Comparison
| Rating | Melio | Venmo | 
|---|---|---|
  | **Meets Requirements** | 8.7 (205 reviews) | 9.1 (225 reviews) | 
  | **Ease of Use** | 9.2 (207 reviews) | 9.3 (225 reviews) | 
  | **Ease of Setup** | 8.9 (153 reviews) | 9.0 (74 reviews) | 
  | **Ease of Admin** | 9.1 (102 reviews) | 8.1 (24 reviews) | 
  | **Quality of Support** | 8.3 (180 reviews) | 8.7 (169 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.9 (102 reviews) | 8.0 (23 reviews) | 
  | **Product Direction (% positive)** | 8.3 (187 reviews) | 8.2 (218 reviews) | 

---
## Pricing

### Melio

#### Entry-Level Pricing

Plan: Melio Go

Price: Free

Description: Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.

Key Features:
- 5 free ACH transfers per month
- 10 free syncs with QuickBooks Online & Xero
- Pay by card or bank—vendor receives check, ACH, or wire transfers

[Browse all 4 editions](https://www.g2.com/products/melio/pricing)

#### Free Trial

Yes

### Venmo

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.3/10 | 7 |
| **Venmo** | N/A | N/A |

#### Payment Methods

| Feature | Melio | Venmo | 
|---|---|---|
| **ACH** | 9.3 (7 reviews) | Not enough data | 
| **Credit and Debit** | 9.3 (7 reviews) | Not enough data | 
| **Wire Transfer** | 9.8 (7 reviews) | Not enough data | 

#### Payment Processing 

| Feature | Melio | Venmo | 
|---|---|---|
| **Batch Processing** | 8.1 (7 reviews) | Not enough data | 
| **Payments Scheduling** | 9.3 (7 reviews) | Not enough data | 
| **Automated Workflows** | 8.3 (7 reviews) | Not enough data | 
| **Self Service** | 8.6 (7 reviews) | Not enough data | 
| **Reconciliation** | 8.1 (7 reviews) | Not enough data | 
| **Settlements** | 8.6 (7 reviews) | Not enough data | 
| **Payment Tracking** | 9.3 (7 reviews) | Not enough data | 

#### Security and Compliance

| Feature | Melio | Venmo | 
|---|---|---|
| **PCI Compliant** | 7.6 (7 reviews) | Not enough data | 
| **P2PE** | 7.6 (7 reviews) | Not enough data | 
| **Fraud Management** | 7.6 (7 reviews) | Not enough data | 
| **SSL Encryption** | 8.1 (7 reviews) | Not enough data | 
| **SOX** | 7.6 (7 reviews) | Not enough data | 
| **SOC** | 7.6 (7 reviews) | Not enough data | 

#### Integration

| Feature | Melio | Venmo | 
|---|---|---|
| **Agnostic Integration** | 7.9 (7 reviews) | Not enough data | 
| **Reporting Consolidation** | 7.6 (7 reviews) | Not enough data | 
| **Plugins and APIs** | 7.9 (7 reviews) | Not enough data | 

#### Payment Types

| Feature | Melio | Venmo | 
|---|---|---|
| **AP Automation** | 9.4 (6 reviews) | Not enough data | 
| **E-Commerce** | 7.5 (6 reviews) | Not enough data | 
| **Retail** | 7.2 (6 reviews) | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | Melio | Venmo | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 7.8/10 | 50 |
| **Venmo** | N/A | N/A |

#### Invoice Management

| Feature | Melio | Venmo | 
|---|---|---|
| **Capture** | 8.5 (41 reviews) | Not enough data | 
| **Supplier Portal** | 7.5 (37 reviews) | Not enough data | 
| **Repository** | 7.7 (37 reviews) | Not enough data | 

#### Invoice Processing

| Feature | Melio | Venmo | 
|---|---|---|
| **Matching** | 7.8 (40 reviews) | Not enough data | 
| **Payments** | 9.1 (46 reviews) | Not enough data | 
| **Workflows** | 8.5 (41 reviews) | Not enough data | 
| **Tax Compliance** | 7.3 (31 reviews) | Not enough data | 

#### Analytics

| Feature | Melio | Venmo | 
|---|---|---|
| **Due Dates** | 8.7 (41 reviews) | Not enough data | 
| **Benchmarking** | Feature Not Available | Not enough data | 
| **KPIs** | Feature Not Available | Not enough data | 

#### Integration

| Feature | Melio | Venmo | 
|---|---|---|
| **Accounting** | 9.1 (43 reviews) | Not enough data | 
| **Payment Integration** | 8.7 (43 reviews) | Not enough data | 
| **ERP** | Feature Not Available | Not enough data | 

#### Risk

| Feature | Melio | Venmo | 
|---|---|---|
| **Analysis** | 8.0 (35 reviews) | Not enough data | 
| **Identification** | 7.6 (34 reviews) | Not enough data | 
| **Scoring** | 7.4 (31 reviews) | Not enough data | 

#### Recovery

| Feature | Melio | Venmo | 
|---|---|---|
| **Recoup** | 7.8 (28 reviews) | Not enough data | 
| **Reporting** | 8.0 (33 reviews) | Not enough data | 

#### Audit

| Feature | Melio | Venmo | 
|---|---|---|
| **Filters** | 6.8 (30 reviews) | Not enough data | 
| **Post Audits** | 7.0 (28 reviews) | Not enough data | 
| **Overpayments** | 6.7 (30 reviews) | Not enough data | 
| **Duplicates** | 6.9 (32 reviews) | Not enough data | 

#### Fraud

| Feature | Melio | Venmo | 
|---|---|---|
| **Vendor Checks** | 7.5 (31 reviews) | Not enough data | 
| **Data Generation** | 7.6 (29 reviews) | Not enough data | 
| **Monitoring** | 7.8 (27 reviews) | Not enough data | 

#### Agentic AI - AP Automation

| Feature | Melio | Venmo | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.5/10 | 68 |
| **Venmo** | N/A | N/A |

#### Invoice Generation

| Feature | Melio | Venmo | 
|---|---|---|
| **Templates** | 8.7 (47 reviews) | Not enough data | 
| **Digital Invoices** | 9.2 (54 reviews) | Not enough data | 
| **Recurring Invoices** | 8.5 (48 reviews) | Not enough data | 

#### Invoice Processing

| Feature | Melio | Venmo | 
|---|---|---|
| **Approvals** | 8.9 (50 reviews) | Not enough data | 
| **Batch Processing** | 8.6 (50 reviews) | Not enough data | 
| **Consolidation** | 8.6 (46 reviews) | Not enough data | 
| **Match Invoices** | 8.9 (52 reviews) | Not enough data | 

#### Analytics

| Feature | Melio | Venmo | 
|---|---|---|
| **Due Dates** | 9.0 (59 reviews) | Not enough data | 
| **Cashflow** | 8.4 (48 reviews) | Not enough data | 
| **KPIs** | 8.0 (44 reviews) | Not enough data | 
| **Payment Tracking** | 9.0 (56 reviews) | Not enough data | 

#### Integration

| Feature | Melio | Venmo | 
|---|---|---|
| **Accounting** | 8.7 (55 reviews) | Not enough data | 
| **Payments** | 8.7 (55 reviews) | Not enough data | 
| **ERP** | 8.1 (42 reviews) | Not enough data | 
| **Account Sync** | 8.8 (49 reviews) | Not enough data | 

#### Agentic AI - Invoice Management

| Feature | Melio | Venmo | 
|---|---|---|
| **Cross-system Integration** | 7.4 (7 reviews) | Not enough data | 
| **Adaptive Learning** | 7.6 (7 reviews) | Not enough data | 
| **Proactive Assistance** | 7.1 (7 reviews) | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.5/10 | 132 |
| **Venmo** | 8.4/10 | 93 |

#### Payment Processing

| Feature | Melio | Venmo | 
|---|---|---|
| **Encryption** | 9.0 (98 reviews) | 9.0 (64 reviews) | 
| **Credit Card Processing** | 8.8 (99 reviews) | 8.7 (69 reviews) | 
| **Mobile Payments** | Feature Not Available | 9.3 (85 reviews) | 
| **Digital Wallet Integration** | Feature Not Available | 8.7 (65 reviews) | 

#### Administration

| Feature | Melio | Venmo | 
|---|---|---|
| **Reporting & Analytics** | Feature Not Available | 8.3 (60 reviews) | 
| **E-commerce Integration** | Feature Not Available | 8.6 (58 reviews) | 
| **Processing Fees** | 8.2 (109 reviews) | 7.5 (63 reviews) | 
| **POS Integration** | Feature Not Available | 8.6 (56 reviews) | 
| **Omnichannel** | 8.5 (83 reviews) | 8.2 (52 reviews) | 
| **Levels 1 & 2** | 8.2 (78 reviews) | 7.9 (53 reviews) | 
| **Level 3** | 8.0 (71 reviews) | 7.9 (51 reviews) | 

#### Payment Options

| Feature | Melio | Venmo | 
|---|---|---|
| **Multi-Currency** | Feature Not Available | 8.1 (52 reviews) | 
| **Online payment portal** | 8.9 (116 reviews) | 8.9 (59 reviews) | 

#### Security

| Feature | Melio | Venmo | 
|---|---|---|
| **POS Verification** | Feature Not Available | 8.5 (52 reviews) | 

#### Platform

| Feature | Melio | Venmo | 
|---|---|---|
| **Accounting integration** | 8.7 (103 reviews) | 8.3 (53 reviews) | 
| **E-commerce Integration** | 8.1 (72 reviews) | 8.2 (53 reviews) | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 7.8/10 | 44 |
| **Venmo** | N/A | N/A |

#### Platform Basics

| Feature | Melio | Venmo | 
|---|---|---|
| **Performance** | 8.7 (43 reviews) | Not enough data | 
| **Portal** | 8.6 (42 reviews) | Not enough data | 

#### Platform Administration

| Feature | Melio | Venmo | 
|---|---|---|
| **Integrations** | 7.4 (41 reviews) | Not enough data | 
| **Compliance** | 7.4 (41 reviews) | Not enough data | 
| **Reporting** | 7.8 (43 reviews) | Not enough data | 

#### Platform Payment Content

| Feature | Melio | Venmo | 
|---|---|---|
| **Document management** | 7.8 (41 reviews) | Not enough data | 
| **Invoicing Tool** | 7.8 (41 reviews) | Not enough data | 
| **Wage access** | 6.9 (38 reviews) | Not enough data | 

### Accounts Receivable

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.6/10 | 37 |
| **Venmo** | N/A | N/A |

#### Reporting

| Feature | Melio | Venmo | 
|---|---|---|
| **Status** | 9.0 (34 reviews) | Not enough data | 
| **Customer Credit** | 7.9 (31 reviews) | Not enough data | 
| **History** | 8.5 (35 reviews) | Not enough data | 

#### Integrations

| Feature | Melio | Venmo | 
|---|---|---|
| **Accounting** | 8.7 (35 reviews) | Not enough data | 
| **ERP** | 8.1 (31 reviews) | Not enough data | 
| **CPM** | 8.2 (32 reviews) | Not enough data | 

#### Transactions

| Feature | Melio | Venmo | 
|---|---|---|
| **Credits** | 8.1 (32 reviews) | Not enough data | 
| **Invoices** | 9.2 (35 reviews) | Not enough data | 
| **Payments** | 8.9 (36 reviews) | Not enough data | 

#### Workflows

| Feature | Melio | Venmo | 
|---|---|---|
| **Approvals** | 8.8 (32 reviews) | Not enough data | 
| **Reconciliation** | 8.7 (33 reviews) | Not enough data | 

#### Agentic AI - Accounts Receivable Automation

| Feature | Melio | Venmo | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

#### AI - Accounts Receivable

| Feature | Melio | Venmo | 
|---|---|---|
| **Generative** | Not enough data | Not enough data | 
| **Responses** | Not enough data | Not enough data | 
| **Predictive Analytics** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Melio** | N/A | N/A |
| **Venmo** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Melio | Venmo | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to Melio (5):** [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Accounts Receivable Software](https://www.g2.com/categories/accounts-receivable), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments)



---
## Reviewer Demographics

### By Company Size

| Segment | Melio | Venmo | 
|---|---|---|
| **Small-Business** | 93.9% | 71.4% | 
| **Mid-Market** | 6.1% | 17.4% | 
| **Enterprise** | 0% | 11.2% | 

### By Industry

#### Melio

- **Accounting:** 23.8%
- **Marketing and Advertising:** 9.0%
- **Retail:** 4.9%
- **Real Estate:** 4.1%
- **Consulting:** 3.7%
- **Food & Beverages:** 2.9%
- **Information Technology and Services:** 2.9%
- **Non-Profit Organization Management:** 2.9%
- **Wholesale:** 2.5%
- **Legal Services:** 2.5%
- **Other:** 41.0%

#### Venmo

- **Marketing and Advertising:** 8.2%
- **Information Technology and Services:** 5.1%
- **Hospital & Health Care:** 3.5%
- **Higher Education:** 3.5%
- **Non-Profit Organization Management:** 3.5%
- **Entertainment:** 3.5%
- **Real Estate:** 3.5%
- **Retail:** 3.5%
- **Health, Wellness and Fitness:** 3.1%
- **Computer Software:** 3.1%
- **Other:** 59.4%

---
## Alternatives

### Alternatives to Melio

- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1922 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (406 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2407 reviews)
- [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) — 4.3/5 stars (4189 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (366 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7038 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)

### Alternatives to Venmo

- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (175 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (973 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (366 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4052 reviews)
- [Thryv](https://www.g2.com/products/thryv/reviews) — 4.2/5 stars (1996 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [QuickBooks Payments](https://www.g2.com/products/quickbooks-payments/reviews) — 3.9/5 stars (44 reviews)

---
## Top Discussions

### Melio

- Title: [Is Melio service legit?](https://www.g2.com/discussions/is-melio-service-legit) — 4 comments
  > **Top comment:** "Yes, it's fantastic."
- Title: [What is Melio app?](https://www.g2.com/discussions/what-is-melio-app) — 2 comments
  > **Top comment:** "Melio App allows me to conveniently and quickly pay my contractors via ACH. "
- Title: [What is Melio service?](https://www.g2.com/discussions/what-is-melio-service) — 2 comments
  > **Top comment:** "Service for sending and receiving money. Core services are free. Allows clients and businesses to pay with debt or ACH for free. Allows businesses to choose..."
- Title: [How can l pay a couple of Invoices inn only one check? No different payments for each invoice/](https://www.g2.com/discussions/how-can-l-pay-a-couple-of-invoices-inn-only-one-check-no-different-payments-for-each-invoice) — 1 comment, 1 upvote
  > **Top comment:** "Until now you can't. They are working on this and lets hope its gonna be a new update in the future. "
- Title: [What are three benefits of using the Melio app to send payments to vendors?](https://www.g2.com/discussions/what-are-three-benefits-of-using-the-melio-app-to-send-payments-to-vendors) — 1 comment
  > **Top comment:** "One is support of credit card payment eventhough supplier don't accept.

Easy to do payments and  keep records of it

Helps to understand the cash flow."

### Venmo

- Title: [What is Venmo for Business used for?](https://www.g2.com/discussions/what-is-venmo-for-business-used-for) — 1 comment
  > **Top comment:** "Receiving venmo payments for your business "
- Title: [What happens if you use venmo for business?](https://www.g2.com/discussions/what-happens-if-you-use-venmo-for-business) — 1 comment
  > **Top comment:** "Easy payment solution for its members and business payment fees are the cheapest. Something like 1.5% transaction fee. PayPal is the worst, almost 4%. "
- Title: [Can you use venmo for business?](https://www.g2.com/discussions/can-you-use-venmo-for-business) — 1 comment
  > **Top comment:** "Yes you can use Venmo for business, however I personally wouldn’t recommend setting up a business account with them unless you are a physical retailer, it’s..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/melio-vs-paypal-venmo)