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Compare Melio and Square Payments 
Featured Products
At a Glance
Market Segments
Small-Business (94.1% of reviews)
Small-Business (89.2% of reviews)
Entry-Level Pricing
Free
No pricing available
Melio
Star Rating
(243)4.5 out of 5
Market Segments
Small-Business (94.1% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 4 pricing plansSquare Payments
Star Rating
(167)4.5 out of 5
Market Segments
Small-Business (89.2% of reviews)
Pros & Cons
Entry-Level Pricing
No pricing available
Learn more about Square PaymentsSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that Square Payments excels in user experience, particularly for small businesses. Users appreciate the app's versatility, noting, "You can do everything from the app! Send invoices, receipt of payment, payment requests, literally everything!" This ease of use contributes to its strong satisfaction ratings.
- Users say that Melio stands out for its payment automation features, making vendor payments "simple, fast, and trackable." The ability to pay via ACH or card, even when vendors don’t accept cards, is a significant advantage, as highlighted by users who value the flexibility in payment options.
- Reviewers mention that Square Payments offers a seamless setup process, with many users praising the quick implementation. One user noted, "The automatic daily deposits into our bank account," which reflects the product's reliability and efficiency in handling transactions.
- According to verified reviews, Melio's scheduling and automation features are particularly beneficial for businesses looking to streamline their payment processes. Users appreciate how these features help maintain smooth operations, which is crucial for managing cash flow effectively.
- G2 reviewers highlight that while both platforms have similar star ratings, Square Payments has a larger volume of reviews, indicating a broader user base and potentially more reliable feedback. This is particularly relevant for small businesses, which make up a significant portion of its user demographic.
- Users report that Square Payments has a slight edge in customer support quality, with a score that reflects a more positive experience. Reviewers have noted that the support team is responsive and helpful, which can be a deciding factor for businesses that rely on timely assistance.
Pricing
Entry-Level Pricing
Melio
Melio Go
Free
Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.
- 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
Square Payments
No pricing availableFree Trial
Melio
Free Trial is available
Square Payments
No trial information availableRatings
Meets Requirements
8.7
200
9.4
124
Ease of Use
9.2
202
9.5
125
Ease of Setup
9.0
149
9.1
50
Ease of Admin
9.1
100
9.2
41
Quality of Support
8.4
177
8.6
97
Has the product been a good partner in doing business?
9.0
100
8.9
41
Product Direction (% positive)
8.5
183
8.4
119
Features by Category
Payment Options
Not enough data
8.7
13
Not enough data
9.3
9
Not enough data
9.5
13
Not enough data
9.9
14
Not enough data
9.1
9
Not enough data
9.7
10
Not enough data
9.7
12
Feature Not Available
7.6
25
8.9
114
9.0
33
Administration
Not enough data
9.4
13
Not enough data
9.8
14
Not enough data
9.0
14
Not enough data
8.6
13
Not enough data
7.6
11
8.5
83
8.5
28
8.2
78
8.3
27
8.0
71
8.1
21
Security
Not enough data
9.0
8
Not enough data
9.7
10
Not enough data
9.4
8
Not enough data
9.5
11
Feature Not Available
8.9
32
Development
Not enough data
8.3
10
Not enough data
9.4
8
Not enough data
7.6
9
Not enough data
7.8
10
Platform
Not enough data
9.4
11
Not enough data
8.9
9
Not enough data
8.3
7
Not enough data
7.6
7
Not enough data
9.2
6
Not enough data
9.3
7
8.7
103
8.3
30
8.1
72
8.6
30
Agentic AI - Payment Gateways
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Payment Methods
9.3
7
Not enough data
9.3
7
Not enough data
9.8
7
Not enough data
Payment Processing
8.1
7
Not enough data
9.3
7
Not enough data
8.3
7
Not enough data
8.6
7
Not enough data
8.1
7
Not enough data
8.6
7
Not enough data
9.3
7
Not enough data
Security and Compliance
7.6
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
8.1
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
Integration
7.9
7
Not enough data
7.6
7
Not enough data
7.9
7
Not enough data
Payment Types
9.4
6
Not enough data
7.5
6
Not enough data
7.2
6
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Invoice Management
8.5
41
Not enough data
7.5
37
Not enough data
7.7
37
Not enough data
Invoice Processing
7.8
40
Not enough data
9.1
46
Not enough data
8.5
41
Not enough data
7.3
31
Not enough data
Analytics
8.7
41
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Integration
9.1
43
Not enough data
8.7
43
Not enough data
Feature Not Available
Not enough data
Risk
8.0
35
Not enough data
7.6
34
Not enough data
7.4
31
Not enough data
Recovery
7.8
28
Not enough data
8.0
33
Not enough data
Audit
6.8
30
Not enough data
7.0
28
Not enough data
6.7
30
Not enough data
6.9
32
Not enough data
Fraud
7.5
31
Not enough data
7.6
29
Not enough data
7.8
27
Not enough data
Agentic AI - AP Automation
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Invoice Generation
8.7
47
Not enough data
9.2
54
Not enough data
8.5
48
Not enough data
Invoice Processing
8.9
50
Not enough data
8.6
50
Not enough data
8.6
46
Not enough data
8.9
52
Not enough data
Analytics
9.0
59
Not enough data
8.4
48
Not enough data
8.0
44
Not enough data
9.0
56
Not enough data
Integration
8.7
55
Not enough data
8.7
55
Not enough data
8.1
42
Not enough data
8.8
49
Not enough data
Agentic AI - Invoice Management
7.4
7
Not enough data
7.6
7
Not enough data
7.1
7
Not enough data
Payment Processing
9.0
98
9.0
50
8.8
99
9.4
57
Feature Not Available
9.4
52
Feature Not Available
8.8
40
Administration
Feature Not Available
8.7
50
Feature Not Available
8.4
38
8.2
107
7.3
53
Feature Not Available
8.9
45
8.5
83
8.5
28
8.2
78
8.3
27
8.0
71
8.1
21
Payment Options
Feature Not Available
7.6
25
8.9
114
9.0
33
Security
Feature Not Available
8.9
32
Platform
8.7
103
8.3
30
8.1
72
8.6
30
Platform Basics
8.7
43
10.0
5
8.6
42
9.7
5
Platform Administration
7.4
41
7.7
5
7.4
41
9.7
5
7.8
43
9.7
5
Platform Payment Content
7.8
41
9.3
5
7.8
41
10.0
5
6.9
38
9.7
5
Reporting
9.0
34
Not enough data
7.9
31
Not enough data
8.8
34
Not enough data
Integrations
9.0
34
Not enough data
8.1
31
Not enough data
8.2
32
Not enough data
Transactions
8.1
32
Not enough data
9.5
34
Not enough data
9.1
35
Not enough data
Workflows
8.8
32
Not enough data
8.7
33
Not enough data
Agentic AI - Accounts Receivable Automation
Not enough data
Not enough data
AI - Accounts Receivable
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Melio and Square Payments are categorized as Payment Processing and Contractor Payments
Unique Categories
Melio is categorized as AP Automation, Enterprise Payment, Accounts Receivable, and Invoice Management
Square Payments is categorized as Payment Gateways
Reviews
Reviewers' Company Size
Melio
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Square Payments
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
23.8%
Marketing and Advertising
9.2%
Retail
5.0%
Real Estate
4.2%
Consulting
3.8%
Other
54.0%
Food & Beverages
10.8%
Health, Wellness and Fitness
7.0%
Retail
6.4%
Non-Profit Organization Management
5.7%
Information Technology and Services
4.5%
Other
65.6%
Alternatives
Discussions
Is Melio service legit?
4 Comments
SB
Yes, it's fantastic.Read more
What is Melio service?
2 Comments
BC
Melio is an ACH solution that allows you to send and receive payments without any fees. Read more
What is Melio app?
2 Comments
OM
Melio App allows me to conveniently and quickly pay my contractors via ACH. Read more
Can i use Sqare internationally?
2 Comments
HD
You can only use square internationally with cash payments, not card or tap-to-pay phone payments!Read more
Is Square software free?
2 Comments
BC
Yes, for the base POS (Point-Of-Sale) system, you will still be subject to the percentage on every card transaction you may. There are additional systems by...Read more
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