# Melio, Square Payments vs Adyen Payments Comparison

| | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Star Rating** | 4.4 out of 5 | 4.5 out of 5 | 3.8 out of 5 | 
| **Total Reviews** | 248 | 176 | 36 | 
| **Largest Market Segment** | Small-Business (93.9% of reviews) | Small-Business (89.7% of reviews) | Mid-Market (36.4% of reviews) | 
| **Entry Level Price** | Free | No pricing available | No pricing available | 

---
## Top Pros & Cons

### Melio

Pros:
- Ease of Use (89 reviews)
- Easy Payments (72 reviews)

Cons:
- Delays (31 reviews)
- Poor Customer Support (21 reviews)

### Square Payments

Pros:
- Ease of Use (7 reviews)
- Easy Payments (6 reviews)

Cons:
- High Fees (5 reviews)
- Limited Features (3 reviews)

### Adyen Payments

Pros:
- Ease of Use (8 reviews)
- Efficiency (3 reviews)

Cons:
- Technical Issues (3 reviews)
- Excessive Fees (2 reviews)

---
## Ratings Comparison
| Rating | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
  | **Meets Requirements** | 8.7 (205 reviews) | 9.3 (130 reviews) | 9.0 (29 reviews) | 
  | **Ease of Use** | 9.2 (207 reviews) | 9.5 (131 reviews) | 8.2 (29 reviews) | 
  | **Ease of Setup** | 8.9 (153 reviews) | 9.1 (56 reviews) | 8.0 (20 reviews) | 
  | **Ease of Admin** | 9.1 (102 reviews) | 9.2 (42 reviews) | 7.8 (13 reviews) | 
  | **Quality of Support** | 8.3 (180 reviews) | 8.5 (103 reviews) | 8.4 (29 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.9 (102 reviews) | 8.9 (42 reviews) | 9.0 (12 reviews) | 
  | **Product Direction (% positive)** | 8.3 (187 reviews) | 8.2 (125 reviews) | 7.7 (25 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

### Square Payments

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Adyen Payments

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **Melio** | N/A | N/A |
| **Square Payments** | 8.9/10 | 49 |
| **Adyen Payments** | 9.2/10 | 26 |

#### Payment Options

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Not enough data | 8.6 (14 reviews) | 8.3 (16 reviews) | 
| **Recurring Billing** | Not enough data | 9.3 (10 reviews) | 9.1 (15 reviews) | 
| **Instant Payment** | Not enough data | 9.4 (14 reviews) | 9.4 (16 reviews) | 
| **Accepted Credit Cards and Debit Cards** | Not enough data | 9.9 (15 reviews) | 9.4 (19 reviews) | 
| **ACH Payments and eCheck Processing** | Not enough data | 9.0 (10 reviews) | 9.2 (11 reviews) | 
| **Split Payments** | Not enough data | 9.5 (11 reviews) | 8.7 (14 reviews) | 
| **Real-Time Payments** | Not enough data | 9.7 (13 reviews) | 9.2 (13 reviews) | 
| **Multi-Currency** | Feature Not Available | 7.6 (26 reviews) | 10.0 (9 reviews) | 
| **Online payment portal** | 8.9 (116 reviews) | 9.1 (37 reviews) | 9.7 (10 reviews) | 

#### Administration

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Reporting/Dashboards** | Not enough data | 9.2 (14 reviews) | 8.7 (19 reviews) | 
| **User, Role, and Access Management** | Not enough data | 9.6 (15 reviews) | 9.5 (13 reviews) | 
| **Payout Time** | Not enough data | 9.1 (15 reviews) | 9.1 (16 reviews) | 
| **Manual Payment Entry** | Not enough data | 8.6 (14 reviews) | 9.0 (15 reviews) | 
| **Dispute Resolution** | Not enough data | 7.6 (12 reviews) | 8.9 (19 reviews) | 
| **Omnichannel** | 8.5 (83 reviews) | 8.6 (30 reviews) | 9.8 (10 reviews) | 
| **Levels 1 & 2** | 8.2 (78 reviews) | 8.3 (28 reviews) | 10.0 (8 reviews) | 
| **Level 3** | 8.0 (71 reviews) | 8.0 (22 reviews) | 10.0 (8 reviews) | 

#### Security

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **PCI Compliance** | Not enough data | 9.1 (9 reviews) | 9.4 (12 reviews) | 
| **Fraud Protection Tools** | Not enough data | 9.7 (11 reviews) | 8.9 (18 reviews) | 
| **Data Tokenization** | Not enough data | 9.4 (9 reviews) | 9.0 (15 reviews) | 
| **Two-Factor Authentication** | Not enough data | 9.6 (12 reviews) | 9.1 (15 reviews) | 
| **POS Verification** | Feature Not Available | 8.8 (33 reviews) | 9.8 (9 reviews) | 

#### Development

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | Not enough data | 8.3 (11 reviews) | 9.0 (16 reviews) | 
| **APIs** | Not enough data | 9.4 (9 reviews) | 8.4 (16 reviews) | 
| **Accounting Software Integration** | Not enough data | 7.8 (10 reviews) | 8.2 (13 reviews) | 
| **E-Commerce Software Integration** | Not enough data | 8.0 (11 reviews) | 9.0 (15 reviews) | 

#### Platform

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Performance and Reliability** | Not enough data | 9.4 (12 reviews) | 8.7 (17 reviews) | 
| **Internationalization - Currency/Language** | Not enough data | 9.0 (10 reviews) | 9.1 (16 reviews) | 
| **Internationalization - Operating Country** | Not enough data | 8.5 (8 reviews) | 9.0 (16 reviews) | 
| **API / Integrations** | Not enough data | 7.9 (8 reviews) | 9.1 (13 reviews) | 
| **PCI Regulation Compliance** | Not enough data | 9.2 (6 reviews) | 8.7 (13 reviews) | 
| **Supplemental Technology** | Not enough data | 9.3 (7 reviews) | 9.0 (14 reviews) | 
| **Accounting integration** | 8.7 (103 reviews) | 8.3 (30 reviews) | 10.0 (8 reviews) | 
| **E-commerce Integration** | 8.1 (72 reviews) | 8.6 (30 reviews) | 10.0 (8 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | Not enough data | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.3/10 | 7 |
| **Square Payments** | N/A | N/A |
| **Adyen Payments** | N/A | N/A |

#### Payment Methods

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

#### Payment Processing 

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

#### Security and Compliance

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

#### Integration

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

#### Payment Types

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

#### Agentic AI - Enterprise Payment

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 7.8/10 | 50 |
| **Square Payments** | N/A | N/A |
| **Adyen Payments** | N/A | N/A |

#### Invoice Management

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

#### Invoice Processing

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

#### Analytics

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

#### Integration

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

#### Risk

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

#### Recovery

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

#### Audit

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

#### Fraud

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

#### Agentic AI - AP Automation

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.5/10 | 68 |
| **Square Payments** | N/A | N/A |
| **Adyen Payments** | N/A | N/A |

#### Invoice Generation

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

#### Invoice Processing

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

#### Analytics

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

#### Integration

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

#### Agentic AI - Invoice Management

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

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.5/10 | 132 |
| **Square Payments** | 8.5/10 | 69 |
| **Adyen Payments** | 9.9/10 | 12 |

#### Payment Processing

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Encryption** | 9.0 (98 reviews) | 9.0 (50 reviews) | 10.0 (6 reviews) | 
| **Credit Card Processing** | 8.8 (99 reviews) | 9.4 (59 reviews) | 10.0 (6 reviews) | 
| **Mobile Payments** | Feature Not Available | 9.4 (52 reviews) | 10.0 (5 reviews) | 
| **Digital Wallet Integration** | Feature Not Available | 8.8 (40 reviews) | 10.0 (5 reviews) | 

#### Administration

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Reporting & Analytics** | Feature Not Available | 8.8 (51 reviews) | 10.0 (5 reviews) | 
| **E-commerce Integration** | Feature Not Available | 8.4 (38 reviews) | 10.0 (5 reviews) | 
| **Processing Fees** | 8.2 (109 reviews) | 7.1 (58 reviews) | 10.0 (5 reviews) | 
| **POS Integration** | Feature Not Available | 8.9 (45 reviews) | 10.0 (5 reviews) | 
| **Omnichannel** | 8.5 (83 reviews) | 8.6 (30 reviews) | 9.8 (10 reviews) | 
| **Levels 1 & 2** | 8.2 (78 reviews) | 8.3 (28 reviews) | 10.0 (8 reviews) | 
| **Level 3** | 8.0 (71 reviews) | 8.0 (22 reviews) | 10.0 (8 reviews) | 

#### Payment Options

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Multi-Currency** | Feature Not Available | 7.6 (26 reviews) | 10.0 (9 reviews) | 
| **Online payment portal** | 8.9 (116 reviews) | 9.1 (37 reviews) | 9.7 (10 reviews) | 

#### Security

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **POS Verification** | Feature Not Available | 8.8 (33 reviews) | 9.8 (9 reviews) | 

#### Platform

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Accounting integration** | 8.7 (103 reviews) | 8.3 (30 reviews) | 10.0 (8 reviews) | 
| **E-commerce Integration** | 8.1 (72 reviews) | 8.6 (30 reviews) | 10.0 (8 reviews) | 

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **Melio** | N/A | N/A |
| **Square Payments** | N/A | N/A |
| **Adyen Payments** | N/A | N/A |

#### Card Management

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Card Types** | Not enough data | Not enough data | Not enough data | 
| **Card Controls** | Not enough data | Not enough data | Not enough data | 
| **Card Personalization** | Not enough data | Not enough data | Not enough data | 
| **Configuration** | Not enough data | Not enough data | Not enough data | 
| **Fulfillment** | Not enough data | Not enough data | Not enough data | 
| **Replacement** | Not enough data | Not enough data | Not enough data | 

#### Controls

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Tokenization** | Not enough data | Not enough data | Not enough data | 
| **Security** | Not enough data | Not enough data | Not enough data | 
| **Card Networks** | Not enough data | Not enough data | Not enough data | 
| **Integration** | Not enough data | Not enough data | Not enough data | 
| **Testing** | Not enough data | Not enough data | Not enough data | 
| **APIs** | Not enough data | Not enough data | Not enough data | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 7.8/10 | 44 |
| **Square Payments** | 9.5/10 | 5 |
| **Adyen Payments** | N/A | N/A |

#### Platform Basics

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Performance** | 8.7 (43 reviews) | 10.0 (5 reviews) | Not enough data | 
| **Portal** | 8.6 (42 reviews) | 9.7 (5 reviews) | Not enough data | 

#### Platform Administration

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Integrations** | 7.4 (41 reviews) | 7.7 (5 reviews) | Not enough data | 
| **Compliance** | 7.4 (41 reviews) | 9.7 (5 reviews) | Not enough data | 
| **Reporting** | 7.8 (43 reviews) | 9.7 (5 reviews) | Not enough data | 

#### Platform Payment Content

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Document management** | 7.8 (41 reviews) | 9.3 (5 reviews) | Not enough data | 
| **Invoicing Tool** | 7.8 (41 reviews) | 10.0 (5 reviews) | Not enough data | 
| **Wage access** | 6.9 (38 reviews) | 9.7 (5 reviews) | Not enough data | 

### Accounts Receivable

| Product | Score | Reviews |
|---|---|---|
| **Melio** | 8.6/10 | 37 |
| **Square Payments** | N/A | N/A |
| **Adyen Payments** | N/A | N/A |

#### Reporting

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

#### Integrations

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

#### Transactions

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

#### Workflows

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

#### Agentic AI - Accounts Receivable Automation

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 

#### AI - Accounts Receivable

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Generative** | Not enough data | Not enough data | Not enough data | 
| **Responses** | Not enough data | Not enough data | Not enough data | 
| **Predictive Analytics** | Not enough data | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Melio** | N/A | N/A |
| **Square Payments** | N/A | N/A |
| **Adyen Payments** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | 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)

**Unique to Square Payments (2):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to Adyen Payments (3):** [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Payment Gateways](https://www.g2.com/categories/payment-gateways)


---
## Reviewer Demographics

### By Company Size

| Segment | Melio | Square Payments | Adyen Payments | 
|---|---|---|---|
| **Small-Business** | 93.9% | 89.7% | 30.3% | 
| **Mid-Market** | 6.1% | 9.1% | 36.4% | 
| **Enterprise** | 0% | 1.2% | 33.3% | 

### 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%

#### Square Payments

- **Food & Beverages:** 10.4%
- **Health, Wellness and Fitness:** 6.7%
- **Non-Profit Organization Management:** 6.7%
- **Retail:** 6.7%
- **Information Technology and Services:** 4.3%
- **Apparel & Fashion:** 3.7%
- **Construction:** 3.7%
- **Design:** 3.7%
- **Marketing and Advertising:** 3.1%
- **Arts and Crafts:** 3.1%
- **Other:** 47.9%

#### Adyen Payments

- **Internet:** 12.1%
- **Information Technology and Services:** 12.1%
- **Retail:** 9.1%
- **Computer Software:** 9.1%
- **Apparel & Fashion:** 6.1%
- **Leisure, Travel & Tourism:** 6.1%
- **Consumer Services:** 6.1%
- **Financial Services:** 6.1%
- **Accounting:** 3.0%
- **Airlines/Aviation:** 3.0%
- **Other:** 27.3%

---
## Alternatives

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- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (367 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 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 Square Payments

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2742 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [GoDaddy Payments](https://www.g2.com/products/godaddy-payments/reviews) — 4.2/5 stars (25 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Heartland Payments+](https://www.g2.com/products/heartland-payments/reviews) — 4.2/5 stars (13 reviews)
- [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)
- [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews)
- [CardConnect](https://www.g2.com/products/cardconnect/reviews) — 2.4/5 stars (22 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)

### Alternatives to Adyen Payments

- [Worldline](https://www.g2.com/products/worldline/reviews) — 3.5/5 stars (13 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (367 reviews)
- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2742 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [Worldpay](https://www.g2.com/products/worldpay/reviews) — 2.9/5 stars (42 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 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."

### Square Payments

- Title: [Is Square software free?](https://www.g2.com/discussions/is-square-software-free) — 2 comments
  > **Top comment:** "Square is free but you do pay a percentage on every credit card transaction you make."
- Title: [How do I get notifications from the app?](https://www.g2.com/discussions/how-do-i-get-notifications-from-the-app) — 2 comments, 1 upvote
  > **Top comment:** "Hello "
- Title: [Can i use Sqare internationally?](https://www.g2.com/discussions/can-i-use-sqare-internationally) — 2 comments, 1 upvote
  > **Top comment:** "You can only use square internationally with cash payments, not card or tap-to-pay phone payments!"
- Title: [What is Square payment method?](https://www.g2.com/discussions/what-is-square-payment-method) — 1 comment
  > **Top comment:** "Square Payments Method is a payments system that targets smaller businesses and allows them to accept credit card payments and use tablet computers as..."
- Title: [What is the best way to use the Square Payments app?](https://www.g2.com/discussions/what-is-the-best-way-to-use-the-square-payments-app) — 1 comment, 1 upvote
  > **Top comment:** "The best way to use The square Reader, in my opinion, could be more than one way. 

Firstly,  you do not need the reader.  The fee per swipe is higher..."

### Adyen Payments

No discussions available for this product.

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