Melio Pros and Cons: Top 5 Advantages and Disadvantages

Quick AI Summary Based on G2 Reviews

Generated from real user reviews

Users appreciate the convenience and ease of use of Melio, streamlining payments and integrating well with QuickBooks. (89 mentions)

Users value the easy payment process of Melio, enjoying the convenience and speed of transactions. (72 mentions)

Users enjoy the easy integrations of Melio, simplifying payment processes and enhancing overall efficiency. (34 mentions)

Users find Melio's easy setup and integration with QuickBooks Online to be incredibly beneficial for managing payments. (33 mentions)

Users find Melio's simplicity in processing vendor payments remarkably efficient and user-friendly for business needs. (33 mentions)

Users experience frustrating delays in payment processing, often waiting over a week for vendors to receive funds. (31 mentions)

Users express frustration with Melio's poor customer support, citing lack of resolution and unproductive communication efforts. (21 mentions)

Users report payment issues with Melio, highlighting missed transactions and poor customer support without clear resolution. (16 mentions)

Users face payment delays with Melio, often experiencing unresolved issues and inadequate communication regarding missing funds. (13 mentions)

Users find the high fees associated with Melio cumbersome, especially for businesses with frequent or large transactions. (12 mentions)

5 Pros or Advantages of Melio

1. Ease of Use

Users appreciate the convenience and ease of use of Melio, streamlining payments and integrating well with QuickBooks.

See 89 mentions

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Andrew H.

Small-Business (50 or fewer emp.)

5.0/5

"Best Payment Processing Software"

What do you like 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

Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Easy Clock-In and Handy Notes Feature"

What do you like about Melio?

I like that it’s easy to clock in/out and that there is the ability to add notes

2. Easy Payments

Users value the easy payment process of Melio, enjoying the convenience and speed of transactions.

See 72 mentions

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Rohit M.

Small-Business (50 or fewer emp.)

4.0/5

"Effortless Business Payments with Seamless Automation"

What do you like about Melio?

Makes business payments very easy and smooth for us. Scheduling and automation helps a lot with smooth payment

Mike P.

Small-Business (50 or fewer emp.)

3.5/5

"Affordable Payment Solution for Occasional Contractor Payments"

What do you like 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 dig

3. Easy Integrations

Users enjoy the easy integrations of Melio, simplifying payment processes and enhancing overall efficiency.

See 34 mentions

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Andrew H.

Small-Business (50 or fewer emp.)

5.0/5

"Best Payment Processing Software"

What do you like 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

HCC P.

Small-Business (50 or fewer emp.)

5.0/5

"Best platform for vendor payments and AP automation"

What do you like 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 ven

4. Easy Setup

Users find Melio's easy setup and integration with QuickBooks Online to be incredibly beneficial for managing payments.

See 33 mentions

See Related User Reviews

HCC P.

Small-Business (50 or fewer emp.)

5.0/5

"Best platform for vendor payments and AP automation"

What do you like 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 ven

Melissa M.

Small-Business (50 or fewer emp.)

5.0/5

"Melio is great for small business!"

What do you like 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 recei

5. Simple

Users find Melio's simplicity in processing vendor payments remarkably efficient and user-friendly for business needs.

See 33 mentions

See Related User Reviews

HCC P.

Small-Business (50 or fewer emp.)

5.0/5

"Best platform for vendor payments and AP automation"

What do you like 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 ven

Florian S.

Small-Business (50 or fewer emp.)

5.0/5

"Easy, flexible payment solution for small businesses"

What do you like 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. T

5 Cons or Disadvantages of Melio

1. Delays

Users experience frustrating delays in payment processing, often waiting over a week for vendors to receive funds.

See 31 mentions

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Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Easy Clock-In and Handy Notes Feature"

What do you dislike about Melio?

I don’t like that it logs me out quite often and takes a while to be paid.

Florian S.

Small-Business (50 or fewer emp.)

5.0/5

"Easy, flexible payment solution for small businesses"

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 gen

2. Poor Customer Support

Users express frustration with Melio's poor customer support, citing lack of resolution and unproductive communication efforts.

See 21 mentions

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Kaimee M.

Small-Business (50 or fewer emp.)

0.0/5

"Lost ACH Payments and Lack of Resolution"

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 pa

HCC P.

Small-Business (50 or fewer emp.)

5.0/5

"Best platform for vendor payments and AP automation"

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 ap

3. Payment Issues

Users report payment issues with Melio, highlighting missed transactions and poor customer support without clear resolution.

See 16 mentions

See Related User Reviews

Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Easy Clock-In and Handy Notes Feature"

What do you dislike about Melio?

I don’t like that it logs me out quite often and takes a while to be paid.

Kaimee M.

Small-Business (50 or fewer emp.)

0.0/5

"Lost ACH Payments and Lack of Resolution"

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 pa

4. Payment Delays

Users face payment delays with Melio, often experiencing unresolved issues and inadequate communication regarding missing funds.

See 13 mentions

See Related User Reviews

Verified User

Small-Business (50 or fewer emp.)

5.0/5

"Easy Clock-In and Handy Notes Feature"

What do you dislike about Melio?

I don’t like that it logs me out quite often and takes a while to be paid.

Kaimee M.

Small-Business (50 or fewer emp.)

0.0/5

"Lost ACH Payments and Lack of Resolution"

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 pa

5. High Fees

Users find the high fees associated with Melio cumbersome, especially for businesses with frequent or large transactions.

See 12 mentions

See Related User Reviews

James W.

Small-Business (50 or fewer emp.)

5.0/5

"Our clients love using Melio to pay their invoices!"

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 th

Danny C.

Small-Business (50 or fewer emp.)

3.5/5

"Easy to use product to handle payments"

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

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Sahaya S.

Sourcing Manager

Small-Business (50 or fewer emp.)

2/2/2022

"Best Platform For All payments"

5/5

What do you like best about Melio?

As per my knowledge the first application who supports the credit card even though supplier didn't accept Review collected by and hosted on G2.com.

What do you dislike about Melio?

I feel bit slow in payment process. Rest its fine Review collected by and hosted on G2.com.

Response from Stevie U of Melio

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Hi Sahaya, thank you for leaving a review! We're glad to hear that Melio has helped simplify payment processing for your business, especially with vendors who don't accept credit cards. If you have any questions or concerns, please don't hesitate to contact us via email or live chat, Monday to Friday, between 9 AM to 8 PM EST. We would be more than happy to help you out!

Best,

Team Melio

Seerapu N.

Node JS/Nest JS Developer

Mid-Market (51-1000 emp.)

4/3/2025

"Comprehensive review of Business payment platform"

4.5/5

What do you like best about Melio?

It has streamlined business payments and simplifies transactions thereby increasing the efficiency Review collected by and hosted on G2.com.

What do you dislike about Melio?

The support team of melio is not upto the the mark and there is a very big lag that needs to be addressed to flourish in this game changing business Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

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Hi Seerapu,

Thank you for your feedback! We’re pleased to hear that Melio has helped streamline your business payments and enhance overall efficiency. We also sincerely appreciate you taking the time to share areas where there is room for improvement. Your feedback will be communicated to the appropriate teams, as insights like yours are invaluable in helping us enhance our platform and better serve the evolving needs of businesses.

Best,

Team Melio

shailesh s.

we developer

Computer Software

Small-Business (50 or fewer emp.)

4/1/2025

"melio our company hero"

5/5

What do you like best about Melio?

the way to creating sending invoice to people and get money from that, easy to use , many feature available, nice customer support , Review collected by and hosted on G2.com.

What do you dislike about Melio?

some UI is like a game and very unprofessional like UI otherwise every thing is okay Review collected by and hosted on G2.com.

Response from Stevie U of Melio

edit

Hi Shailesh, thanks for your feedback. We're happy to hear that you find Melio easy to use and appreciate our features and customer support. We also appreciate your thoughts on the UI—our team is always working to improve the experience, and we'll take your input into consideration. If you have any specific suggestions, we'd love to hear them!

All the best, Team Melio

Seerapu N.

Backend Developer

Mid-Market (51-1000 emp.)

4/1/2025

"Digital payment platform to simplify business to business payments"

4.5/5

What do you like best about Melio?

I like the User friendly interface that has learning curve to my team and It also comes in hand held devices making it access Review collected by and hosted on G2.com.

What do you dislike about Melio?

The support team at times is not quick in terms of resolving challenges Review collected by and hosted on G2.com.

Verified User in Real Estate

Small-Business (50 or fewer emp.)

8/22/2024

"Melio is user friendly."

5/5

What do you like best about Melio?

It only takes a few minutes to complete a payment to a vendor. Files can be uploaded and the process is easy to transfer the information from the Invoice and save it in the payment process. Review collected by and hosted on G2.com.

What do you dislike about Melio?

I have not found any dislikes so far with Melio. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

edit

Hi there, thank you for your feedback! We're glad to hear that you find the payment process quick and straightforward. It's wonderful to know that direct payments to vendors' bank accounts are working well for you. If there's anything else we can do to improve your experience, please let us know!

Best,

Team Melio

Verified User in Market Research

Small-Business (50 or fewer emp.)

2/15/2024

"A Smoother Ride for B2B Payments"

4.5/5

What do you like best about Melio?

Melio now offers enhanced vendor management, faster payments (including international and instant transfers), and a redesigned, more intuitive Pay dashboard. The new mobile app and accountant-focused tools improve flexibility and team collaboration. It remains cost-effective for SMBs while adding powerful features for growing businesses. Review collected by and hosted on G2.com.

What do you dislike about Melio?

Still limited in advanced reporting and forecasting for larger firms. Some integrations (outside QuickBooks) lack depth. Occasional delays in customer support response persist during high-volume periods. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

edit

Hi there, thanks for taking the time to post this review. We’re happy to hear that you find Melio as an intuitive interface and cost-effective for small businesses. For further assistance with analytics, accounting software sync issues, and other concerns, please feel free to reach out to our support team via live chat or via our help center on weekdays from 9am to 8pm EST, and we'd be happy to assist!

Best,

Team Melio

Nathan C.

Offensive Security Consultant

Information Technology and Services

Small-Business (50 or fewer emp.)

4/29/2025

"A seamless way to pay and receive payments!"

5/5

What do you like best about Melio?

It provides an ease of use when it comes to paying bills and getting paid. Review collected by and hosted on G2.com.

What do you dislike about Melio?

The limit restriction to specific country. Review collected by and hosted on G2.com.

Tiffany G.

Owner

Small-Business (50 or fewer emp.)

8/22/2024

"Great option for small company bill payments"

4.5/5

What do you like best about Melio?

Their pricing is very competitive. I have also had great experiences with their customer service. I like that it syncs automatically with QBO and that the payments also sync back. I also like that it has an app you can use. Review collected by and hosted on G2.com.

What do you dislike about Melio?

It is great to have a chat option but I have had some experiences where my issue couldn't be resolved immediately. That being said, the issues were eventually resolved. I also think there is room for improvement when bills are revised. The current process is difficult and confusing especially when approval processes are in place. Review collected by and hosted on G2.com.

What problems is Melio solving and how is that benefiting you?

We started using Melio when it was integrated with QBO. I think the QBO communication was confusing, but people should know Melio is still an option and is more affordable than the QBO option. I like how it integrates and automatically syncs with QBO and I also like that there is the option to have an approval process. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

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Hi Tiffany, thank you for your detailed feedback! We're happy to hear you have enjoyed using our service. We appreciate your patience with our customer service and take your suggestions for improvement seriously, especially regarding the bill revision process and approval workflows. Your input helps us enhance our platform to better our customers!

Best,

Team Melio

carisa m.

Accounting Manager

Small-Business (50 or fewer emp.)

8/22/2024

"Melio is our go to for Payment Proecessing"

4/5

What do you like best about Melio?

We have been using melio since beta testing. I will say that we have experience with a lot of other systems that offer the same type of system some have different features. but we always come back to Melio as our preferred system. The ease of use is the best part, along with their support you can not beat how responsive and helpful they are. Using Melio eliminates tracking down payments, seeing if they have been cashed, and stopping payment - the system handles all of these pieces for you. Review collected by and hosted on G2.com.

What do you dislike about Melio?

The only downside is the processing time. we have had clients complain about the check turnaround being 5-7 days but most other services have the same setup. it would also be awesome if they starting beefing up their approval process to give us more option to utilize with clients, it is not a must but would be a great addition to the product. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

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Hi Carisa, thank you for your support and valuable feedback! We're thrilled to hear that Melio has become your preferred system, especially for its ease of use and responsive support. We understand your concerns about processing times and appreciate your suggestion about enhancing the approval process. We're always looking to improve, and your insights are invaluable. Thanks for being part of our journey!

Best,

Team Melio

Jeff G.

Head of Marketplace Ops

Small-Business (50 or fewer emp.)

4/1/2025

"Great payments tool"

5/5

What do you like best about Melio?

I like melio because it's very simple to create, send invoices, make payments and receive payments Review collected by and hosted on G2.com.

What do you dislike about Melio?

I haven't found anything to dislike so far. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

edit

Hi Jeff, thanks for your review. We're so glad to hear that you find Melio simple and easy to use for invoices and payments. If there's anything we can do to make your experience even better, let us know!

All the best, Team Melio