# Melio Reviews **Vendor:** Melio **Category:** [Payment Processing Software](https://www.g2.com/categories/payment-processing) **Average Rating:** 4.4/5.0 **Total Reviews:** 248 ## About Melio Melio is an Accounts Payable/Accounts Receivable platform, designed to streamline B2B payments for businesses of any size. Easily manage vendor payments, invoices, and cash flow with flexible payment methods like bank transfers or cards, and maintain control through scheduled payments. Melio syncs with QB and Xero, keeping records up to date. It also optimizes financial operations by automating approvals, scheduling, and reconciliation, reducing administrative tasks so you can focus on growing your business. Try all of Melio's features free for 30 days before you choose a plan. ## Melio Pros & Cons **What users like:** - Users value the **ease of use** of Melio, highlighting its seamless payment processing and convenient invoice management features. (89 reviews) - Users appreciate the **easy payments** with Melio, enjoying quick ACH transactions and seamless integration with QuickBooks. (72 reviews) - Users love the **easy integrations** with accounting tools like QuickBooks, simplifying payment processes significantly. (34 reviews) - Users highlight the **easy setup** of Melio, allowing seamless integration with QuickBooks and smooth client payment processes. (33 reviews) - Users value the **simplicity** of Melio, praising its fast transactions and easy vendor payments. (33 reviews) - Users value Melio for its **time-saving capabilities** , streamlining vendor payments and enhancing overall efficiency in AP management. (28 reviews) - Users value the **customizable payment processing** of Melio, enhancing efficiency during client invoice approvals. (26 reviews) - Users appreciate the **flexibility of payment options** with Melio, enjoying easy and secure transactions for various needs. (25 reviews) - Intuitive (22 reviews) - Users enjoy the **efficiency** of Melio, simplifying vendor payments and enhancing cash flow management. (21 reviews) **What users dislike:** - Users express frustration with **delays in payment processing** , often leading to time-consuming issues and difficulties in support. (31 reviews) - Users report significant issues with **poor customer support** , facing long response times and lack of clear solutions. (21 reviews) - Users frequently experience **payment issues** with Melio, facing unaccounted funds and inadequate support during resolutions. (16 reviews) - Users face significant **payment delays** with Melio, experiencing unresolved issues and lack of communication regarding missing funds. (13 reviews) - Users are frustrated by the **high fees** , particularly with credit card processing and subscription plans for essential features. (12 reviews) - Invoicing Problems (12 reviews) - Poor Reporting (10 reviews) - Users note the **lack of essential accounting features** in Melio, which limits its overall functionality and ease of use. (9 reviews) - Limited Features (8 reviews) - Long Waiting Time (8 reviews) ## Melio Reviews ### 1. Worse platform ever! **Rating:** 0.0/5.0 stars **Reviewed by:** Liora I. | Ceo, Small-Business (50 or fewer emp.) **Reviewed Date:** April 14, 2026 **What do you like best about Melio?** Nothing they are terrible and care nothing about the customer **What do you dislike about Melio?** This is one of the worst payment platforms ever. The customer service/support is horrible and don't expect them to explain things to you or have an actual human to speak with to resolves issues. I have a legitimate business and they were asking me for documents that do not apply I have everything needed from the state and it's to prove I have a business and they still froze my payments and shut down my account and you can never get a real person on the phone except their outsourced customer service number who can't do anything to help you. I really wanted to like this platform but the more they let robots take over the horrible they get. I own an accounting firm and I thought this would also be a good solution for a lot of my clients with AR and AP needs, but I was sadly mistaken and one of the clients actually had a huge issue with company as well. **What problems is Melio solving and how is that benefiting you?** None ### 2. Lost ACH Payments and Lack of Resolution **Rating:** 0.0/5.0 stars **Reviewed by:** Kaimee M. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** January 10, 2026 **What do you like best about Melio?** I do not like Melio at all. I Have nothing good to say. **What do you dislike about Melio?** I began using Melio approximately two months ago. During this period, the company processed four ACH payments on my behalf. However, three of those payments failed to reach my account and remain unaccounted for. Despite multiple inquiries, Melio representatives have not provided any clear explanation or resolution. I have repeatedly been told that the matter is “under review,” yet no substantive updates have been given. Melio has not clarified whether the funds were deposited into an incorrect account, when or if the missing funds will be recovered, or whether there has been any security breach involving my account. The company’s lack of transparency, accountability, and effective communication has been extremely concerning. Efforts to obtain assistance through their customer support have been unproductive, as I am consistently redirected to online chat agents—with each interaction beginning anew and no meaningful progress made. Requests for a direct phone discussion have also been declined. Based on my experience over the past two weeks, it has become evident that Melio’s handling of this issue has been deeply unsatisfactory. I strongly urge any current or prospective users to exercise caution when considering using their services until these systemic issues are addressed. **What problems is Melio solving and how is that benefiting you?** They are supposed to take ACH payments ### 3. Best Payment Processing Software **Rating:** 5.0/5.0 stars **Reviewed by:** Andrew H. | Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about Melio?** Very user-friendly, and the customer service is unmatched! The integration between Melio and Quickbooks Online is seamless and saves us time and money. **What do you dislike about Melio?** The only downsides are that since Melio is still relatively new, there are features such as integrating with Quickbooks Desktop that is not supported yet. **What problems is Melio solving and how is that benefiting you?** It is an easy platform that anyone can learn pretty quickly. The fact that it is free is also a significant benefit as clients can save a lot of money. **Official Response from Cordelia McKinney:** > Hi Andrew, thanks for sharing this 5-star review. We're glad to know your experience with our support team has been exceptional and that you're finding Melio to be a useful tool. Great news-- Melio does integrate with Quickbooks Desktop. Email us at reviews@melio.com with any questions. We're happy to answer. Best, Team Melio ### 4. Easy-to-Use Accounts Receivable Tool with Competitive Rates **Rating:** 5.0/5.0 stars **Reviewed by:** Ana S. | Worker-Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** April 07, 2026 **What do you like best about Melio?** I use it primarily for account receivable. It offers competitive rates. Is easy to use. I use it several times a week to process invoice. I haven't used customer support in a while. **What do you dislike about Melio?** Some clients have issues using it because of the need to verify the bank accounts. **What problems is Melio solving and how is that benefiting you?** Ease of receiving the majority of direct deposit payments. Minimal interaction with the application. ### 5. Melio is great for small business! **Rating:** 5.0/5.0 stars **Reviewed by:** Melissa M. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** September 11, 2025 **What do you like best about Melio?** Melio is easy to use and integrates seamlessly with QBO so that I can streamline my workflow for my clients. Vendors are able to choose how they receive their payments, and we can choose to pay with a credit card (even if the vendor doesn't accept credit cards!). It's cost-effective with fantastic customer support. If we ever have a problem with USPS delivering a paper check, we contact support and request to void and reissue the check - easy-peasy. I use Melio every day for all of my bill pay clients and I'm very happy with it. **What do you dislike about Melio?** Because Melio allows vendors to choose to receive a paper check, we sometimes have problems with USPS. **What problems is Melio solving and how is that benefiting you?** With Melio I can support my bill pay clients fully remotely. Pre-pandemic I had clients that required I spend time in their office weekly to prepare paper checks for signature and mailing. This made check requests take 2-3 weeks at times since we had to wait for my "in-office day" to enter the bill and print the check, then wait for the signer who wasn't in the office everyday. Once the check was signed someone had to file the bill paperwork and the check stub and put the check in the mail, and then the USPS had to deliver it... Now, we can streamline this entire process and perform all of these functions electronically in 2-3 days instead of 2-3 weeks. ### 6. Easy, fast, cost effective **Rating:** 5.0/5.0 stars **Reviewed by:** Yasmine J. | Managing Broker, Small-Business (50 or fewer emp.) **Reviewed Date:** September 10, 2025 **What do you like best about Melio?** I really love this service. It has allowed my small business to collect small invoices from my clients without exorbitant fees and untimely delays. I highly recommend it, and will continue using Melio for the foreseeable future. It is so easy to create an invoice - it looks professional and my clients are comfortable with the security features to input their banking information. **What do you dislike about Melio?** It would be great if clients had the option to pay from a personal account, instead of only from a business account. **What problems is Melio solving and how is that benefiting you?** Paypal, Venmo, and Zelle are not professional enough for my type of business and clients. Melio provides a professional, secure, cost effective way to invoice my clients. Most of my clients pay invoices via check, so I only need this service a few times a year. It did not make sense for me to pay exorbitant monthly or transaction fees for just a few annual transactions, that average no more than $2500 each. ### 7. Our clients love using Melio to pay their invoices! **Rating:** 5.0/5.0 stars **Reviewed by:** James W. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** Melio enables our clients to pay their invoices when they want to and how they want to. Quite a few times, we've had clients running low on capital who expressed the need to pay with a credit card. With Melio, it's as simple as sending our client a link to pay and they can go ahead and take care of their balance with a credit/debit card or securely link their bank account to pay by direct deposit. Additionally, Melio stays in sync with the invoices we have in QuickBooks Online, so we don't have to manually create anything in Melio; just copy and paste the link to them and that's all they need. We receive their payment within a few days, for free! **What do you dislike about Melio?** It takes a few days to receive payment from our clients once they've sent their payment through Melio (3-4 days not including weekends). We do have the option to receive payment sooner, for a fee; this is less than ideal but it's an option. **What problems is Melio solving and how is that benefiting you?** Melio allows our clients to pay us electronically with the payment method of their choice. We've historically struggled to find a platform that allowed for this, but since implementing Melio, we and our clients couldn't be happier. ### 8. Super Easy to Use—My Favorite Payment System **Rating:** 5.0/5.0 stars **Reviewed by:** Megan H. | President, Project Manager, HR secretary, Assistant to the CEO, Mid-Market (51-1000 emp.) **Reviewed Date:** April 21, 2026 **What do you like best about Melio?** Super easy to use. I like it way better than any other payment system. **What do you dislike about Melio?** nothing, I like everything about melio payment systems. **What problems is Melio solving and how is that benefiting you?** everything. I can upload invoices, or even send auto invoices to the email address ### 9. I’ll recommend. The best in the software market **Rating:** 5.0/5.0 stars **Reviewed by:** Gafar Y. | Freelance Email Copywriter., Marketing and Advertising, Small-Business (50 or fewer emp.) **Reviewed Date:** September 10, 2025 **What do you like best about Melio?** What I like best about Melio is how simple and seamless it makes handling payments. The platform saves me time, keeps everything organized in one place, and allows me to pay vendors quickly without the usual hassles. I especially appreciate the user-friendly design—it feels effortless to manage my business finances. **What do you dislike about Melio?** There really isn’t much to dislike about Melio. If anything, I’d say I’d love to see even more features added over time, since the core platform already works so well. Overall, it’s been a smooth and reliable experience. **What problems is Melio solving and how is that benefiting you?** Melio is solving the problem of complicated and time-consuming payment processing. Instead of juggling multiple systems or writing checks, I can handle everything digitally in one place. This has saved me valuable time, reduced errors, and given me more flexibility in managing cash flow—all of which makes running my business smoother and less stressful. ### 10. Easy, Reliable ACH Transfers Without the Headache **Rating:** 4.5/5.0 stars **Reviewed by:** Kémo V. | Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** August 21, 2025 **What do you like best about Melio?** Melio makes sending ACH payments incredibly simple and quick. Setting up an account takes just a minute, and connecting a bank account is straightforward. I really like that I can pay vendors or contractors directly from my bank without needing their bank info—Melio handles it all securely. The scheduling feature is also super helpful for recurring payments. **What do you dislike about Melio?** The free plan only includes a limited number of free ACH transfers each month, and after that, there’s a small fee per transaction. It’s not a dealbreaker, but something to be aware of if you have a high volume of payments. Also, while the dashboard is powerful, it can feel a little busy at first if you’re new to these kinds of tools. **What problems is Melio solving and how is that benefiting you?** Melio takes the pain out of managing and sending payments, especially for small businesses or freelancers. It eliminates the need to write checks, chase down vendor details, or worry about bank-level security. Everything is in one place, and it saves a ton of time while keeping payments organized and on schedule. **Official Response from Stevie U:** > Hi Kemo, thank you for sharing your experience! We’re glad to hear that setting up your account and sending ACH payments has been simple and seamless. We truly appreciate your feedback and look forward to continuing to support you. All the best, Team Melio ### 11. Simple and Convenient Way to Pay Vendors **Rating:** 4.5/5.0 stars **Reviewed by:** Hogan C. | Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** September 10, 2025 **What do you like best about Melio?** Melio makes paying vendors and suppliers really simple. I like that I can pay by credit card even if the vendor only accepts bank transfers, which helps with cash flow. The interface is clean and easy to use, and it saves me time compared to traditional payment methods. **What do you dislike about Melio?** Sometimes payments take a bit longer to process than I’d like, especially bank transfers. Also, while the core features are great, it would be helpful to have more advanced reporting and integrations with other tools. **What problems is Melio solving and how is that benefiting you?** Melio helps me pay vendors and contractors easily, even when they don’t accept credit cards. This improves my cash flow because I can use my credit card for payments while keeping more cash on hand. It also saves time by streamlining bill payments in one place and reducing the need for writing checks or using multiple platforms. ### 12. Simple and reliable solution for managing business payments **Rating:** 5.0/5.0 stars **Reviewed by:** Rojan S. | Founder, Information Technology and Services, Small-Business (50 or fewer emp.) **Reviewed Date:** August 17, 2025 **What do you like best about Melio?** Melio makes it incredibly easy to manage and schedule vendor payments without needing to switch between multiple platforms. I like that it allows payments via bank transfer or credit card, even when the vendor only accepts checks. This flexibility saves time and keeps cash flow steady. **What do you dislike about Melio?** While Melio works well overall, the reporting features could be more robust. It would also be helpful to have more detailed analytics and integration options with other accounting software beyond QuickBooks. Sometimes payments can take a bit longer to process than expected, which can be inconvenient. **What problems is Melio solving and how is that benefiting you?** Melio helps me streamline vendor and bill payments by allowing me to pay directly from a bank account or through a credit card, even if the vendor only accepts checks. This solves the hassle of juggling different payment methods and ensures that payments are always on time. It also helps with cash flow management, since I can use a credit card to extend payment cycles without needing extra tools. **Official Response from Brianna Pedernera:** > Hi Rojan, Thank you for sharing your experience and your thoughtful feedback! We’re glad to hear that Melio has helped simplify your vendor payments and support your cash flow with flexible options like bank transfers and credit cards—even when vendors only accept checks. We appreciate your suggestions around improving reporting, offering more detailed analytics, and expanding integrations beyond QuickBooks. These are valuable insights, and we’re actively exploring enhancements in these areas. We also understand that occasional payment delays can be frustrating, and we're continually working to improve processing times to ensure reliability. Thank you again for sharing your experience with us—we’re committed to continuously improving and delivering the best possible service for you. Best Regards, Team Melio ### 13. Melio has made it easier for clients to pay for our services **Rating:** 3.5/5.0 stars **Reviewed by:** John T. | Director of Research, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** When Melio is set up properly, it continues to work and makes it very easy for our clients to pay for our services, either through a direct bank payment or a credit card. We get paid regularly on a monthly basis now rather than having to wait for checks from our clients. It also integrates with our accounting system. **What do you dislike about Melio?** The only challenges we've had with Melio are when there is a problem setting up an account. We've attempted to have them use Melio customer support, but we often have to help them out ourselves to get it to work correctly. **What problems is Melio solving and how is that benefiting you?** We used to get physical checks from our clients. Getting direct payments from their bank saves us and our clients time while also reducing errors and makes accounting easier. ### 14. Best platform for vendor payments and AP automation **Rating:** 5.0/5.0 stars **Reviewed by:** HCC P. | General Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** October 09, 2025 **What do you like best about Melio?** Melio makes paying vendors simple, fast, and trackable. The UI is clean, approvals are easy to set up, and we can pay via ACH or card (even when a vendor doesn’t take cards) while Melio deposits to their bank or mails a check. The QuickBooks Online sync is rock-solid—bills, payments, and remittances flow without double entry, and the audit trail keeps our clients compliant. Scheduling payments, tracking status in real time, and inviting vendors through a secure link has cut our AP admin time dramatically and improved cash-flow control. **What do you dislike about Melio?** Nothing critical, but a few nice-to-have improvements: deeper reporting/analytics (e.g., more customizable AP aging and cash-flow dashboards), bulk approval actions for larger batches, and more granular user permissions for multi-entity environments. Support is responsive, though at quarter-end the queue can be a bit longer. Overall, these are minor compared to the value we get. **What problems is Melio solving and how is that benefiting you?** We centralized accounts payable for multiple clients, eliminated paper checks, and reduced late fees. Being able to pay by card has extended float when needed and earned rewards, while automatic QBO reconciliation saves hours each week. Vendors get paid on time with clear remittance, and our review/approval process is now consistent and auditable. ### 15. Easy Payments (Sending and Receiving) **Rating:** 5.0/5.0 stars **Reviewed by:** Jose A. C. | Human Resource Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** July 05, 2022 **What do you like best about Melio?** Melio has made International Wire payments much easier than before. I used to be hesitant to send an International Wire with Melio due to my first experience where the payment was not received. However, whatever changes they made did the trick and payments go through without issue lately. **What do you dislike about Melio?** I have been using Melio for years now and just recently was required to submit personal and company verifications to complete payments to vendors that I have been paying for quite some time. It would be nice to have a notification section that lets us know of any updated information required so we are not hit with an email after initiating a payment that more verification information is required. **Recommendations to others considering Melio:** This is a very user friendly application. **What problems is Melio solving and how is that benefiting you?** We do not accept direct credit card payments. Melio allows our vendors to pay invoices with credit and/or debit cards as well as check or ACH. **Official Response from Stevie U:** > Hi Jose, we’re delighted to hear that you’ve found our integration with QuickBooks to be a valuable feature! Simplifying the process of sending payment requests is essential for streamlining business operations, and we’re thrilled that we have made it easier for you. Thank you for sharing your positive experience, and please don’t hesitate to reach out if you have any further feedback or questions. Best, Team Melio ### 16. Easy, flexible payment solution for small businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Florian S. | CEO of www.monsterdealz.de, Small-Business (50 or fewer emp.) **Reviewed Date:** September 13, 2025 **What do you like best about Melio?** Melio makes paying vendors super simple. I like that I can pay by bank transfer for free, or even use a credit card when I need to manage cash flow. The option for Melio to mail a check to vendors who don’t take digital payments is a huge plus. The interface is clean and straightforward, and the QuickBooks integration saves me a lot of time on reconciliation. **What do you dislike about Melio?** The main downside is that checks can take a while to arrive, so if I need a payment to get there quickly I have to plan ahead. Customer support is generally good, but I’ve had to wait longer than I’d like for certain issues to be resolved. I also wish there were a few more reporting features for tracking payments and approvals. **What problems is Melio solving and how is that benefiting you?** Melio helps me keep all my vendor payments in one place instead of juggling different bank portals, checks, and credit cards. It takes away the hassle of writing and mailing checks myself, and the QuickBooks sync means I don’t spend hours reconciling transactions. Being able to use a credit card to pay vendors who normally only take checks also helps with cash flow, which has been a real benefit for my business. ### 17. Accounting firm using for multiple clients **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** September 10, 2025 **What do you like best about Melio?** The approval workflows provide good customization to match with our client's unique needs. Our clients like the invoice view during the approval process as well because it makes it very quick and easy to review and approve payments. We've also found the varying speeds of payment with different fee structures to be a big selling point for some clients. A lot of bill pay options only offer one or two speeds of payment (ACH or paper check for example) while Melio offers instant, same day, regular ACH and paper check. **What do you dislike about Melio?** The biggest frustration we've had with Melio is the lack of clarity around how Melio sets limits on the client's account. When speaking with customer support it sounds like an algorithm just makes the determination and we weren't able to get much information on how or when the client would be approved for features like same-day payments. **What problems is Melio solving and how is that benefiting you?** Melio helps us coordinate large volumes of AP requests in an organized manner that allows us to involve the client as needed with customized approval workflows. ### 18. Melio Review **Rating:** 5.0/5.0 stars **Reviewed by:** J Rio F. | CEO, Principal Technology Consultant, Consulting, Small-Business (50 or fewer emp.) **Reviewed Date:** May 22, 2024 **What do you like best about Melio?** As a user and reseller of Melio. The ease of use and integrations have always been of interest. The flexibility of ACH, debit, and credit payments also make the solution appealing. The expanded integrations with more accounting solutions as well as multi-currency payment options have made this platform more robust. **What do you dislike about Melio?** I did not experience anything negative from using Melio. I would need to research if it can handle larger companies looking to outsource AP & AR functions. **What problems is Melio solving and how is that benefiting you?** The ability to pay all vendors regardless of whether they were Melio customers are well. One platform to play invoices and contractors is ideal. Integration to bookkeeping and accounting systems eliminates redundant entries, that reduce errors. **Official Response from Stevie U:** > Hi JY, Thank you for taking the time to leave your feedback. We're thrilled that you find Melio's ease of use and integrations beneficial for your personal and reseller needs. We're committed to providing a flexible and seamless payment experience, and it's great to know that our support for ACH, debit, and credit payments enhances your appeal. We will pass your insights along regarding outsourcing AP and AR functions for larger companies. Your feedback is invaluable to us! Best, Team Melio ### 19. A Game-Changer for Small Business Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Avraham I. | Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** What I like best about Melio is how simple and intuitive the platform is. It allows me to pay vendors and contractors quickly, even if they prefer checks, while I can still use my credit card or bank transfer. The flexibility, ease of use, and ability to keep all payments organized in one place really saves me time and gives me peace of mind. **What do you dislike about Melio?** There’s honestly not much to dislike about Melio. If anything, I’d say the only challenge is that transfers can occasionally take a day or two to clear, but that’s standard across most payment platforms. The convenience and flexibility far outweigh this small detail. **What problems is Melio solving and how is that benefiting you?** Melio solves the headache of managing business payments. Before, I had to juggle between writing checks, logging into multiple bank accounts, and tracking due dates manually. Now I can handle everything in one place — paying vendors, scheduling payments, and even using my credit card where checks are required. This has saved me time, improved my cash flow, and given me much better control and visibility over my finances. **Official Response from Brianna Pedernera:** > Hi Avraham, Thank you for sharing such a thoughtful and well-rounded review. It’s clear that Melio has made a meaningful impact on your workflow, especially in simplifying vendor payments and giving you better financial visibility. We also appreciate your honest feedback about transfer times, even though delays of a day or two are standard across most platforms. Your input helps us continue striving to improve the experience. Thank you again for your feedback; it truly means a great deal to us. If you ever need anything or have additional suggestions, please don’t hesitate to reach out. We’re always here to help. Best Regards, Team Melio ### 20. Simple and efficient payment tool for businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** I like how easy it is to schedule and send payments directly to vendors without needing checks or complicated processes. The platform is very user-friendly, integrates with QuickBooks, and saves a lot of time compared to traditional payment methods **What do you dislike about Melio?** Processing times for bank transfers can sometimes feel a little slow compared to instant payment options. The mobile app could also use more features to match the desktop version. Reporting tools are a bit limited and could provide more customization **What problems is Melio solving and how is that benefiting you?** Melio helps streamline vendor payments, making it easy to pay bills on time without dealing with paper checks. It also allows me to pay contractors quickly and keep cash flow flexible by using a credit card when needed. The integration with QuickBooks reduces manual entry errors, saving both time and effort. Overall, it helps simplify financial operations for a small business. ### 21. Highly recommend **Rating:** 5.0/5.0 stars **Reviewed by:** Cassandra E. | C, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about Melio?** One thing I really appreciate about Melio is that ACH payments are completely free — it’s a rare and valuable feature for small businesses trying to manage cash flow. Recently, I’ve also noticed that the dashboard is more intuitive, and scheduling payments feels even smoother. It’s clear they’re continuously improving the user experience. **What do you dislike about Melio?** While I really value Melio’s features, one limitation is that it’s restricted to business accounts only. It would be helpful to have more flexibility for freelancers or sole proprietors who might not have a formal business bank account but still need simple payment tools. Expanding access could make it even more inclusive and versatile. **What problems is Melio solving and how is that benefiting you?** It saves me time and money getting my invoices paid. Very efficient. **Official Response from Stevie U:** > Hi Cassandra, Thank you so much for your thoughtful and detailed review! We're happy to hear that you're finding value in our product and that the recent dashboard improvements have enhanced your experience. We also appreciate your sharing your perspective on account requirements. We understand how expanded access could benefit freelancers and sole proprietors, and we’ve shared this with our product team as we continue exploring ways to make Melio even more inclusive and flexible. Thanks again for being a part of the Melio community! All the best, Team Melio ### 22. Affordable Payment Solution for Occasional Contractor Payments **Rating:** 3.5/5.0 stars **Reviewed by:** Mike P. | COO, Small-Business (50 or fewer emp.) **Reviewed Date:** October 14, 2025 **What do you like best about Melio?** It is an affordable way to make occasional contractor payments. I really like that it gives the receiver the option to choose between a check or a digital payment without me getting involved. **What do you dislike about Melio?** I don't have any gripes. I only use it for a couple payments each month, so I'm not sure how affordable it would be compared to other options if I needed to use it more frequently. **What problems is Melio solving and how is that benefiting you?** Easy one-off payments to contractors ### 23. Cutting-edge financial solution for modern businesses **Rating:** 5.0/5.0 stars **Reviewed by:** José Elson . | Software Enginner , Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2024 **What do you like best about Melio?** Melio seamlessly integrates with various e-commerce, accounting, and banking platforms, facilitating financial transaction management and providing greater efficiency. Melio has a clean, simple, and intuitive interface, allowing users of all levels to easily and quickly use the platform. **What do you dislike about Melio?** More countries should know about Melio . **What problems is Melio solving and how is that benefiting you?** Melio has been an incredible financial solution for me and my company. It has made managing my financial transactions so much easier, with quick and secure payments and receipts. Additionally, the integration with my e-commerce and accounting platforms has been a huge help, saving me time and effort. The Melio interface is also super user-friendly, which makes using the platform easy and intuitive. Overall, Melio has been a great choice for helping me better manage my finances and my business. **Official Response from Stevie U:** > Hi Jose, Thank you for your positive feedback! We’re thrilled to hear that Melio’s integration capabilities and user-friendly interface are enhancing your financial management experience. Making things easy and efficient for our users is our goal. If you ever have more feedback or questions, we’re here to help! All the best, Team Melio ### 24. Effortless Payments, Outstanding Value **Rating:** 4.5/5.0 stars **Reviewed by:** Doug H. **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** I love how easy Melio is to set up and use. Its ability to automate the payment process has been a major time saver for me, especially with the automatic bill generation feature. Plus, the low cost of ACH payments makes it really cost-effective. **What do you dislike about Melio?** I would love to have more of an API driven access with Melio, instead of just relying on emails. Currently, in order to set up vendors or conduct bill payments, I have to go manually through the dashboard. If there was an option to automate these processes via an API, it would greatly enhance efficiency. **What problems is Melio solving and how is that benefiting you?** I use Melio to automate vendor payments, saving time with easy invoice uploads and low-cost ACH transactions. It simplifies my payment process significantly. ### 25. Easy Clock-In and Handy Notes Feature **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Mental Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** January 15, 2026 **What do you like best about Melio?** I like that it’s easy to clock in/out and that there is the ability to add notes **What do you dislike about Melio?** I don’t like that it logs me out quite often and takes a while to be paid. **What problems is Melio solving and how is that benefiting you?** I no longer have to manually create invoices to submit to my employers. I am able to clock in and out from home. ### 26. Review of great Accounting software: Melio **Rating:** 5.0/5.0 stars **Reviewed by:** Peter G. | Freight Broker, Mid-Market (51-1000 emp.) **Reviewed Date:** April 15, 2025 **What do you like best about Melio?** I like this platform because of following multiple features: 1. Melio is very easy to use; even the non-accounts person like me(who is expert in sales) can easily maintain and track his payment status. 2. Melio is easy to implement: it provides verity of payment methods such as ACH 3. Great support available from customer support. 4. I use Melio at-least once a week daily to track and check payment status from my cx and to my drivers. **What do you dislike about Melio?** Till date I did not find any thing that I do not like. so sorry for this. **What problems is Melio solving and how is that benefiting you?** I work as freight broker with Eternity logistics and have share in our sales after our payments for particular shipment processes successfully. Before using Melio it was hard task for me to manually manage payments to my drivers and collections from my customer. As we work on 30 days payment term so I used multiple calendars and multiple reminders manually for these task. however after using Melio these all task becomes automated so now I can use my energy and time to focus on sales only. **Official Response from Brianna Pedernera:** > Hi Peter, Thank you so much for the amazing review! We’re thrilled that Melio is making your life easier and that you use it so often! We’re also pumped to hear our customer support team has been there for you — they’ll be so happy to know their hard work is appreciated. Thanks again for sharing your experience. Best, Team Melio ### 27. Handy service **Rating:** 3.5/5.0 stars **Reviewed by:** Leo C. | General Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 06, 2023 **What do you like best about Melio?** Melio is a handy platform that has definitely streamlined our bill pay process for a number of our vendors. The ability to email a photo of an invoice and have the data import is great. They continue to release updates that makes the platform better. **What do you dislike about Melio?** There are just a few small bugs that are annoying, but don't really affect the overall functionality. I've reported them to Melio and hope to see them fixed in the future. **What problems is Melio solving and how is that benefiting you?** We didn't have a solution in place for streamlining bill pay. Being able to ACH some vendors and have checks sent out to others is great **Official Response from Jhon G:** > Hi Leo, thank you for sharing this review. We're glad to hear Melio has streamlined your bill pay process. We'll be sure to pass this feedback along to our team. Best, Team Melio ### 28. Great experience! **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** Melio makes payments incredibly simple and intuitive. The interface is clean, easy to use, and even non-accounting staff can manage payments without trouble. I like that ACH transfers are free (a big win for small businesses), and the flexibility to pay vendors via bank transfer or credit card—even when they only accept checks—is very convenient. The QuickBooks integration is seamless and saves a lot of time. I also appreciate the ability to snap or email invoices and have them automatically imported into the system. ⸻ Do you want me to make a shorter version too (like a 2–3 sentence review) in case the survey asks for something brief? **What do you dislike about Melio?** Customer support can be slow to respond, especially for more complex issues. Reporting and analytics features are limited, and it would be helpful to have more detailed insights directly in the platform. Sometimes payments take longer than expected to process, which can be stressful when timing is critical. Melio also isn’t a full accounting platform—you still need other tools for things like tax management or financial reporting. Lastly, a few technical glitches (like syncing issues or vendor linking) can interrupt workflow. **What problems is Melio solving and how is that benefiting you?** Melio helps me simplify and centralize the payment process with vendors and contractors. Instead of juggling checks, credit cards, and manual bank transfers, I can manage everything in one platform. The ability to pay vendors by credit card (even if they only accept checks) has improved cash flow and given me more flexibility. Free ACH transfers save money compared to other services, and the QuickBooks integration keeps my books up to date automatically. Overall, it reduces administrative headaches and gives me more time to focus on running the business. ### 29. Seamless Vendor Payments with Melio, Needs QuickBooks Desktop Integration **Rating:** 5.0/5.0 stars **Reviewed by:** James S. **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** I love the convenience Melio offers, eliminating the need for writing and mailing checks. I really appreciate how quick and easy it is to send ACH payments, and how it allows me to keep track of payments and integrate seamlessly with QuickBooks. I also value the feature that lets my contractors or vendors choose to speed up ACH transactions, ensuring they receive funds faster. **What do you dislike about Melio?** I would like it to have an integration with QuickBooks desktop. **What problems is Melio solving and how is that benefiting you?** I use Melio to quickly pay vendors without writing and mailing checks, maintaining a payment record easily integrated into QuickBooks. It's convenient for vendors to choose expedited payments, improving my financial workflow. ### 30. Does ACH vendor payments well **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2024 **What do you like best about Melio?** Melio is a very good, mostly single use tool. It pays people electronically even if they are quite low tech. It is more reliable than bank "bill pay" because it invites recipients of funds to provide their banking information so that they can receive the payments directly in their bank account. Lower cost than paying by credit card, more secure than paper checks. **What do you dislike about Melio?** Melio should do 1099-NEC and other year-end financial reporting. But it doesn't - remember it is mostly a single use tool and doesn't do more than that one thing. If this is your one thing, give it a try. **What problems is Melio solving and how is that benefiting you?** Paying vendors **Official Response from Stevie U:** > Hi there, thanks for sharing this review with us! We're happy to hear that Melio made making ACH payments a breeze. While we do not issue 1099 forms, we do offer a downloadable CSV file for all payments to view, classify, and export data with ease! Check out our help center for more details: https://melio.zendesk.com/hc/en-us/articles/4418678499612-Can-Melio-help-with-my-annual-tax-report Best, Team Melio ### 31. Melio has made my life so much easier! **Rating:** 5.0/5.0 stars **Reviewed by:** Lauren T. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 04, 2023 **What do you like best about Melio?** Love that I can save vendor details for easy repeat payments **What do you dislike about Melio?** Still no real criticism - I know the platform was recently purchased so I’ll be curious to see if anything changes and how. **What problems is Melio solving and how is that benefiting you?** I use a bank that doesn't allow for any direct transfers, and my wholesaler will ONLY accept direct wire payments. So, Melio has been an easy and wonderful solution. **Official Response from Jhon G:** > Hi Lauren, 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 ### 32. Melio Review **Rating:** 5.0/5.0 stars **Reviewed by:** Jones M. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** January 25, 2024 **What do you like best about Melio?** ACH transfers are no longer free, they introduced a small fee for each transfer now **What do you dislike about Melio?** while Customer support is great, they are bit slow . Faster response to clients might improve our trust **What problems is Melio solving and how is that benefiting you?** Been able to pay contractors easily and fast **Official Response from Stevie U:** > Hi Jones, thank you for sharing your experience! It’s great to hear that Melio provides such flexibility in payment methods based on you and your vendor’s preferences. Additionally, the inclusion of free ACH transfers is a valuable benefit that can help save on transaction costs and payment processing times. We appreciate your input regarding our availability and understand the importance of expanding services to accommodate businesses in other countries. We'll be sure to pass your feedback along! Best, Team Melio ### 33. Effortless Business Payments with Seamless Automation **Rating:** 4.0/5.0 stars **Reviewed by:** Rohit M. | Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** November 26, 2025 **What do you like best about Melio?** Makes business payments very easy and smooth for us. Scheduling and automation helps a lot with smooth payment **What do you dislike about Melio?** Need more accounting tools and need more phone friendly interface. **What problems is Melio solving and how is that benefiting you?** Helps with cash flow management and consolidates all payments in one place ### 34. Melio Simplifies My Business Payments **Rating:** 4.0/5.0 stars **Reviewed by:** Yusuf S. | Web developer, Small-Business (50 or fewer emp.) **Reviewed Date:** April 03, 2025 **What do you like best about Melio?** Melio's simplified our finances for me. I can easily pay bills and stay on top of our cash flow. It's really cut down on the stress of managing our business's money, and I appreciate how straightforward it is to use. **What do you dislike about Melio?** Melio's payment processing can be a bit slow for my taste. It would be great if they could speed up the process, as it sometimes causes minor delays in our business operations. **What problems is Melio solving and how is that benefiting you?** Melio helps me manage payments and cash flow more efficiently. It streamlines bill pay, reduces late fees, and makes it easier to track finances. By keeping everything organized, Melio saves me time and helps me make better financial decisions, ultimately supporting the growth of my business. **Official Response from Brianna Pedernera:** > Hi Yusuf, Thanks for your amazing feedback! We're so glad that Melio is helping simplify your business payments—it’s exactly what we aim for! Thank you for sharing that, and we’re thrilled to be part of making your workflow easier and more efficient. Take care, Team Melio ### 35. Simple process, saves significant costs and works like it should. **Rating:** 5.0/5.0 stars **Reviewed by:** Paul W. | Member of the Board of Advisors, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** Simple, save money, and easy to use. I recommend it to all of my clients. **What do you dislike about Melio?** Nothing! The interface is easy to use. Branding would be good. **What problems is Melio solving and how is that benefiting you?** Easy to use, saves money, works well enough to recommend to non-financial users. ### 36. Melio Review **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** October 07, 2025 **What do you like best about Melio?** Helps me send a wire to my vendors while allowing me to use a credit card to give me more time to pay. **What do you dislike about Melio?** Sometimes I deal with payment verification issues and it's hard to get a hold of a person to help fix it quickly. **What problems is Melio solving and how is that benefiting you?** Helps give me time to sell through my inventory instead of fronting the cash to my vendors. **Official Response from Stevie U:** > Hi there, thank you for sharing your experience with us! We're happy to hear that you are enjoying our platform. We will be sure to pass your feedback along! All the best, Team Melio ### 37. Honest and Simple Payment Experiences **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Mid-Market (51-1000 emp.) **Reviewed Date:** April 02, 2025 **What do you like best about Melio?** The thing I like about Melio is that of its invoicing feature. It makes it easy to send invoices and get paid without with minimal humal effort. Milo is simple to use, has ease of integration, implementation, and the whole interface just looks very clean. Everything feels smooth, and you don’t need to be a tech savy to figure all the thing out, yes, it's that easy and simple! The tool has good frequency of use with limited customer support. **What do you dislike about Melio?** Even though Milo is simple to use, it also has some limitation. You experience a lot of troble by making a simple payment at times. So, I can’t imagine what would happen if one transact big money by mistake. Also, sometimes, my invoices don’t show up when I need to send them, which is really frustrating. And finally, the customer support need to speed up their responses. **What problems is Melio solving and how is that benefiting you?** Well, the business problems Melio solving and the benefits is the problem of managing payments by making it easy and simple to send invoices and pay suppliers without much stress. The cash flow is very smooth and lets you pay with a credit card even if your vendor doesn’t accept one especially when integrated with QuickBooks. **Official Response from Brianna Pedernera:** > Hi Sanya, Thank you for taking the time to share such detailed and thoughtful feedback! We're glad to hear that Melio’s invoicing capabilities, ease of use, and clean interface are helping streamline your payment processes and support your cash flow—especially with features like credit card payments to vendors who don’t typically accept them. At the same time, we truly appreciate you highlighting the areas where your experience could be improved. We will be sure to relay your comments to the appropriate teams. If you have any additional thoughts or need further assistance, please don’t hesitate to reach out to us at reviews@melio.com. Best, Team Melio ### 38. Life in Accounting made easy, literally. **Rating:** 5.0/5.0 stars **Reviewed by:** Jaimin D. | Digital Marketer, Marketing and Advertising, Mid-Market (51-1000 emp.) **Reviewed Date:** April 03, 2025 **What do you like best about Melio?** Melio stands out for its seamless and intuitive payment experience, making it easy for businesses to pay vendors and manage cash flow without complications. Its flexibility in allowing payments via bank transfers, debit cards, or even credit cards—regardless of vendor preferences—is a major advantage. The platform’s free ACH transfers and smooth integration with accounting software like QuickBooks simplify financial management, while its scheduling feature ensures payments are never missed. With no mandatory subscription fees for core features, Melio provides an affordable yet powerful solution for small businesses looking to streamline their payment processes. **What do you dislike about Melio?** While I appreciate Melio’s ease of use, there are a few things that frustrate me. The customer support can be slow, especially when dealing with more complicated issues, which can be frustrating when I need quick resolutions. I’ve also experienced delays with ACH transfers, which can disrupt cash flow when payments take longer than expected. Another downside is the recent pricing changes—some features that used to be free now come with a cost, which feels a bit disappointing. Although Melio integrates well with QuickBooks, I’ve run into occasional syncing issues that require manual fixes. Despite these drawbacks, I still find it useful for managing payments. **What problems is Melio solving and how is that benefiting you?** Melio simplifies my business payments by allowing me to pay vendors easily, even those who don’t accept credit cards. It helps manage cash flow better, ensures timely payments with scheduling, and reduces manual work with QuickBooks integration. The flexibility and automation save me time and keep my finances organized. **Official Response from Brianna Pedernera:** > Hi Jaimin, Thank you so much for your thoughtful and detailed feedback! It’s amazing to hear how much Melio has been able to help streamline your payment processes, from the seamless payment experience to the flexibility with payment options and integration with accounting software. We’re so glad the platform has been able to support your business in managing cash flow and simplifying payments! At the same time, we really appreciate you sharing the areas where we can improve. These are definitely areas we want to improve on, and your feedback is invaluable in helping us get better. We’ll be sure to pass your concerns along to the appropriate teams as we work on improving the service. Thank you again for taking the time to share your experience with us—it helps us keep improving. If there’s anything we can do to assist further, don’t hesitate to reach out! Take care, Team Melio ### 39. Extended payment services! **Rating:** 5.0/5.0 stars **Reviewed by:** Fabray T. | O, Small-Business (50 or fewer emp.) **Reviewed Date:** February 14, 2024 **What do you like best about Melio?** The simplicity of the system to use your credit card to for business expenses. **What do you dislike about Melio?** You can't delete transactions from your account. **What problems is Melio solving and how is that benefiting you?** The ability to use my business credit cards to pay for services. **Official Response from Stevie U:** > Hi Fabray, thanks for sharing this five-star review with us! We're thrilled to hear that you find Melio an easy tool to use. Please note that in order to delete a transaction, you need to select the transaction in question and use the dropdown "Actions" menu. If you face any difficulties while deleting a transaction, please do not hesitate to contact us via email or Live Chat, Monday through Friday from 9 AM to 8 PM EST. Our support team is always ready to assist you! Best, Team Melio ### 40. Melio Simple way to pay Bills **Rating:** 4.5/5.0 stars **Reviewed by:** Pallavi M. | Research Analyst, Mid-Market (51-1000 emp.) **Reviewed Date:** April 02, 2025 **What do you like best about Melio?** Melio helps businesses pay their bills easily and on time it lets you send payments through bank transfers for free or use a credit card even if vendor doesn't accept cards you can schedule payments in advance keeping the cash flow under control vendors don't need to sign up, and all payments are safe and secure its a simple and cost effective way to manage business payments **What do you dislike about Melio?** The least helpful aspect of Melio is, it has limited payment methods for receiving money **What problems is Melio solving and how is that benefiting you?** Melio helps businesses handle payments smoothly by offering Flexible and secure options it allows scheduling payments to avoid late fees and support credit card payments even for vendors that don't accept them improving cash flow free bank transfer help reduce costs while automation saves time by cutting down manual work. With payment methods like check and cards, Melio makes business payments easy and efficient **Official Response from Stevie U:** > Hi Pallavi, thank you for your thoughtful review. We're thrilled to hear that Melio has made managing your business payments easier for you. We're always looking for ways to improve, and your input helps us enhance our services. If you have any specific suggestions or needs, feel free to share—we’d love to hear from you! Thanks for choosing Melio. All the best, Team Melio ### 41. Easy to use product to handle payments **Rating:** 3.5/5.0 stars **Reviewed by:** Danny C. | Owner / Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** - Easy to pay bills and invoices online, even if your vendor isn’t using Melio - We can move money without big fees - Connects with Quickbooks **What do you dislike about Melio?** - International payments are limited and carry a flat fee - Mainly designed for American businesses, so less useful if you work a lot across borders **What problems is Melio solving and how is that benefiting you?** We integrate Melio with Quickbooks and use it to manage payments and invoicing. ### 42. Update: no longer good **Rating:** 0.5/5.0 stars **Reviewed by:** Simon W. | CEO, Accounting, Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2024 **What do you like best about Melio?** I love that it can connect to multiple accounting platforms Update: this is no longer true. no best thing anymore **What do you dislike about Melio?** Update: they no longer support multiple accounting platforms. if you pick one and try to switch, it doesn't work. Over a month and they can't find a solution besides telling me to start a new account and then charge me a monthly fee for it. I referred my clients to them. **What problems is Melio solving and how is that benefiting you?** It helps that I can just send invoices from there and my clients pay me directly and goes into my bank account without any other extra steps **Official Response from Stevie U:** > Hi Simon, thank you for your review! We're glad to hear that you appreciate our ability to connect with multiple accounting platforms seamlessly. We're committed to continually improving our services to meet your needs better and we will be sure to pass your feedback along. If you have any further feedback or questions, please don't hesitate to reach out to our support team weekdays from 9am to 8pm EST. We're here to help! Best, Team Melio ### 43. Everything was great until they increased the monthly cost but didn't improve the service **Rating:** 0.0/5.0 stars **Reviewed by:** Stephen J. | Owner & President, Leisure, Travel & Tourism, Small-Business (50 or fewer emp.) **Reviewed Date:** December 02, 2024 **What do you like best about Melio?** Melio simplifies the process of collecting payment details from employees or contractors and enables quick, hassle-free payments—provided you're on a paid monthly plan. While these services were once free, Melio has introduced costly monthly subscription options, making it less accessible for smaller businesses. It's worth noting that Melio already profits from the float on your transactions but now charges an additional monthly fee for the same convenience. **What do you dislike about Melio?** Nearly all of Melio's features are now locked behind an expensive paywall. For years, my company relied on Melio to seamlessly process payments for our 1099 contractors, with no issues. The platform previously earned revenue from the float—the interest accrued between debiting funds from our account and crediting them to contractors. However, Melio now requires a costly monthly subscription for most services, leaving only single payment processing available without a fee. What was once an indispensable tool for our business has become prohibitively expensive. **What problems is Melio solving and how is that benefiting you?** Melio provides a streamlined way to manage contractor payments by collecting payment details and processing transactions electronically. This eliminates the need for paper checks and manual tracking, saving time and reducing errors. However, while the service is convenient, the introduction of expensive monthly fees has diminished its overall value, especially for small businesses that previously relied on its free features. **Official Response from Brianna Pedernera:** > Hi Stephen, Thank you for sharing your feedback, and we genuinely appreciate your honesty. We completely understand how frustrating it can be when a tool you’ve relied on for years changes its pricing model. Melio is dedicated to supporting small businesses, and we recognize that as businesses grow, their needs evolve, which can sometimes come with additional costs. That’s why we’ve introduced subscription plans designed to meet those changing demands, with features like international payments, automated workflows, and faster transactions to save you time and help you scale. However, we understand if the new pricing doesn’t align with your current needs, especially if you’re used to the free service. Please remember that our Go plan is still available at no cost and allows you to process single payments without a fee. If the free plan doesn’t fully meet your needs, or if there’s anything else we can do to improve your experience, we’d love to hear from you. Please don’t hesitate to reach out to us at reviews@melio.com. All the best, Team Melio ### 44. Great Ap for Invoicing Clients **Rating:** 5.0/5.0 stars **Reviewed by:** Tracy J. | Owner, Accounting, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** It is very easy and quick to set up and use to receive payments from cients. **What do you dislike about Melio?** Customer service was a bit hard to access and get help from. **What problems is Melio solving and how is that benefiting you?** It solves the problem of needing a way to get paid by clients through credit/debit card or bank account. ### 45. great service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** easy to use - easy to set up - able to schedule payments **What do you dislike about Melio?** Verifying ownership questions - but understand it is necessary - just makes it difficult for accounting firms to set up quickly for owners **What problems is Melio solving and how is that benefiting you?** Ease of use making payments - able to schedule future payments ### 46. Melio is better than Bill.com **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Legal Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 14, 2025 **What do you like best about Melio?** Better pricing (up to a certain number of ACH transfers for free is amazing) than Bill.com, Customer service is great, and platform/UI is very nice. **What do you dislike about Melio?** I don't dislike anything about Melio. The platform is great. **What problems is Melio solving and how is that benefiting you?** Receiving invoices and paying them is so easy now. ### 47. "Great for Small Businesses, but Could Be Faster" **Rating:** 4.5/5.0 stars **Reviewed by:** Ankit S. | Coders - AI Training, Small-Business (50 or fewer emp.) **Reviewed Date:** April 01, 2025 **What do you like best about Melio?** Melio is extremely easy to use, and I like that I can pay vendors even if they don't handle credit cards. The free ACH transfers are a big plus, and the interface is clean and minimal. It certainly makes it easier to deal with payments. **What do you dislike about Melio?** At times, they take a long time to process a payment, which can be annoying if you're short on time. It would also be wonderful if they included more accounting tool integrations to make everything flow a little smoother. **What problems is Melio solving and how is that benefiting you?** Melio simplifies business payments, making it simple to pay suppliers even those who do not accept credit cards. Free ACH transfers save money, and scheduling payments helps manage cash flow. It eliminates the bother of writing checks and tracking payments manually. **Official Response from Brianna Pedernera:** > Hi Ankit Thank you so much for the kind words! We're thrilled to hear that Melio is making payments easier for you, especially with the ability to pay vendors who don’t handle credit cards. The free ACH transfers and clean interface are definitely designed to simplify the process, so it's great to know you're finding them helpful. We truly appreciate your feedback and are so glad to be a part of your payment solution! Let us know if there’s anything else we can do to support you. ### 48. Exactly What I Need **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Professional Training & Coaching | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** It just works - as a solopreneur, it has made making payments to my contractors seemless and makes reporting so easy. **What do you dislike about Melio?** It just works, I haven't had any issues. **What problems is Melio solving and how is that benefiting you?** Paying my contractors and helping me do my end of year reporting. ### 49. A simple and efficient way to manage business payments **Rating:** 5.0/5.0 stars **Reviewed by:** Cristian C. | Administrador, Small-Business (50 or fewer emp.) **Reviewed Date:** April 02, 2025 **What do you like best about Melio?** Its user-friendly interface and the ability to pay vendors via ACH or credit card without requiring them to sign up make transactions seamless and efficient. **What do you dislike about Melio?** The credit card payment processing fees can be high, which might not be ideal for businesses handling frequent large transactions. **What problems is Melio solving and how is that benefiting you?** One challenge is that some payments may take a few days to process, depending on the method used. However, this benefits me by allowing better control over cash flow and ensuring payments are scheduled in advance. **Official Response from Brianna Pedernera:** > Hi Cristian, Thank you so much for the wonderful compliment! We're thrilled to hear that you’re enjoying the user-friendly interface and the seamless payment options for your vendors. We’re always striving to make transactions as easy and efficient as possible, so it's great to know we're hitting the mark. Your feedback means a lot to us—thanks for sharing your experience! Take care, Team Melio ### 50. Easy to use and makes it possible to pay with a credit card when you otherwise couldn't! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Education Management | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Melio?** It's amazing to be able to use a credit card on business purchases that otherwise wouldn't usually accept credit cards. It's seamless, easy and has made a big difference for my business! **What do you dislike about Melio?** It would be great if there was a personal option as well - I'd love to be able to also use Melio for personal expenses! **What problems is Melio solving and how is that benefiting you?** Allows me to earn credit card points on business purchases that otherwise wouldn't take cards. ## Melio Discussions - [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 - [What is Melio app?](https://www.g2.com/discussions/what-is-melio-app) - 2 comments - [Is Melio service legit?](https://www.g2.com/discussions/is-melio-service-legit) - 4 comments - [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 - [What is Melio service?](https://www.g2.com/discussions/what-is-melio-service) - 2 comments - [View Melio pricing details and edition comparison](https://www.g2.com/products/melio/reviews?section=pricing&secure%5Bexpires_at%5D=2026-06-03+14%3A19%3A48+-0500&secure%5Bsession_id%5D=f12f859e-e92e-4205-8e9c-f2c1d776543c&secure%5Btoken%5D=084e3e93cb89eea47d43f817edba1efd14703e7b0646687deb3546eef7d940fb&format=llm_user) ## Melio Integrations - [Intuit QuickBooks](https://www.g2.com/products/intuit-quickbooks/reviews) - [monday Work Management](https://www.g2.com/products/monday-com/reviews) - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) - [Xero](https://www.g2.com/products/xero/reviews) ## Melio Features **Payment Methods** - ACH - Credit and Debit - Wire Transfer **Invoice Management** - Capture - Supplier Portal - Repository **Invoice Generation** - Templates - Digital Invoices - Recurring Invoices **Payment Processing** - Encryption - Credit Card Processing **Platform Basics** - Performance - Portal **Reporting** - Status - Customer Credit - History **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Payment Processing ** - Batch Processing - Payments Scheduling - Automated Workflows - Self Service - Reconciliation - Settlements - Payment Tracking **Invoice Processing** - Matching - Payments - Workflows - Tax Compliance **Invoice Processing** - Approvals - Batch Processing - Consolidation - Match Invoices **Administration** - Processing Fees - Omnichannel - Levels 1 & 2 - Level 3 **Platform Administration** - Integrations - Compliance - Reporting **Integrations** - Accounting - ERP - CPM **Security and Compliance** - PCI Compliant - P2PE - Fraud Management - SSL Encryption - SOX - SOC **Analytics** - Due Dates **Analytics** - Due Dates - Cashflow - KPIs - Payment Tracking **Payment Options** - Online payment portal **Platform Payment Content** - Document management - Invoicing Tool - Wage access **Transactions** - Credits - Invoices - Payments **Integration** - Agnostic Integration - Reporting Consolidation - Plugins and APIs **Integration** - Accounting - Payment Integration **Integration** - Accounting - Payments - ERP - Account Sync **Workflows** - Approvals - Reconciliation **Platform** - Accounting integration - E-commerce Integration **Payment Types** - AP Automation - E-Commerce - Retail **Agentic AI - Invoice Management** - Cross-system Integration - Adaptive Learning - Proactive Assistance **Agentic AI - Accounts Receivable Automation** - Autonomous Task Execution **Agentic AI - Enterprise Payment** - Adaptive Learning **AI - Accounts Receivable** - Generative - Responses - Predictive Analytics **Risk** - Analysis - Identification - Scoring **Recovery** - Recoup - Reporting **Audit** - Filters - Post Audits - Overpayments - Duplicates **Fraud** - Vendor Checks - Data Generation - Monitoring **Agentic AI - AP Automation** - Autonomous Task Execution - Proactive Assistance - Decision Making ## Top Melio Alternatives - [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) - 4.4/5.0 (1,778 reviews) - [Stampli](https://www.g2.com/products/stampli/reviews) - 4.6/5.0 (1,919 reviews) - [Tipalti](https://www.g2.com/products/tipalti/reviews) - 4.5/5.0 (401 reviews)