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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Carolina P.

sdr

Small-Business (50 or fewer emp.)

4/1/2025

"Comprehensive and Efficient Solution"

5/5

What do you like best about Melio?

What I like most about Melio is that it allows sending payment requests to clients, which greatly optimizes the collection management. Review collected by and hosted on G2.com.

What do you dislike about Melio?

What I don't like about Melio is that sometimes its page becomes slow. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

edit

Hi Carolina,

Thank you so much for sharing your thoughts! I’m so glad to hear that Melio has been helpful for your client payment requests and collection management—that’s exactly what we strive for! I also understand your concerns, and I want to apologize for any inconvenience caused by slow page speeds. A helpful tip when Melio is running slow is to try clearing your browser’s cookies and ensure that your browser is up to date. That can often improve performance!

We also still offer a free subscription plan called the GO plan, which is designed with smaller businesses in mind, but we totally get that as businesses grow, the free plan can sometimes feel limiting. We genuinely appreciate your feedback and will be sure to share it with our team as we continue to improve our services.

Thanks again - and please don’t hesitate to reach out if you need anything else! We're here to help!

Take care, Team Melio

Dylan N J.

Logistic Associate

Small-Business (50 or fewer emp.)

4/2/2025

"Fantastic product."

4.5/5

What do you like best about Melio?

Melio allows our business to process invoices automatically. The software is user friendly, simple to install, automated PO matching, and user friendly workspace. Review collected by and hosted on G2.com.

What do you dislike about Melio?

There isn't anything to dislike, that's why we choose the system for our small business. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

edit

Hi Dylan,

Wow, thank you so much for the amazing feedback! 😊 We're thrilled to hear that Melio is making such a positive impact on your business by automating invoices and simplifying your processes. We’re so glad to be a part of your success, and we’re always here if you need anything else!

Take care, Team Melio

pavan c.

Recruiter

Mid-Market (51-1000 emp.)

4/2/2025

"Melio payments"

4.5/5

What do you like best about Melio?

when users commend integrates and also helpful with ACH transfers which are free and is very useful Review collected by and hosted on G2.com.

What do you dislike about Melio?

credit card payments are charged and we have to subscribe for high plan for certain advanced features Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

edit

Hi Pavan! Thank you for your feedback! We're glad to hear that you find the ACH transfers and integrations helpful—it's great to know they're making a positive impact. We're always working to improve our offerings, and your input helps us continue to enhance the experience. Please feel free to reach out if you have any other suggestions or questions!

Take Care, Team Melio

Chetan A.

owner

Small-Business (50 or fewer emp.)

4/2/2025

"nice app for small business"

4/5

What do you like best about Melio?

good interface and free to use for everyone Review collected by and hosted on G2.com.

What do you dislike about Melio?

Response from Brianna Pedernera of Melio

edit

Hi Chetan,

Thank you for your feedback! We’re thrilled to hear that you find the interface user-friendly and appreciate that Melio offers a free subscription plan. We’re always working to make the experience better for all, so your input is greatly appreciated! If you ever have any questions or need assistance, feel free to reach out.

Take care,

Team Melio

Alyx S.

Beauty Advisor

Small-Business (50 or fewer emp.)

4/2/2025

"Melio, New/Fresh!"

4/5

What do you like best about Melio?

Melio has been a treat to use. It’s always great to have a new, fresh option. Their support is always prompt, helpful, and go above and beyond. Payments received are always fast Review collected by and hosted on G2.com.

What do you dislike about Melio?

Limited ‘full’ customization options, more would be nice. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

edit

Hi Alyx,

Thank you so much for sharing your wonderful feedback! We're so thrilled that Melio has been a great fit for you! It’s amazing to know that our support team has been prompt and helpful—our team truly strives to go above and beyond. We also appreciate your input about customization options. We understand that having more flexibility can be really valuable, and we’ll be sure to share your thoughts with our team as we continue to improve the platform. Thanks again for sharing!

Take care,

Team Melio

Verified User in Media Production

Small-Business (50 or fewer emp.)

4/3/2025

"Melio software and product review"

4.5/5

What do you like best about Melio?

Melio software is used for business payments. It is a simple tool with automated workflows. It is easy QuickBooks integration and flexible payment options. It is used for ACH and Credit cards. Review collected by and hosted on G2.com.

What do you dislike about Melio?

Melio software lacks support for international payments. It has limited integrations beyond QuickBooks, which may be restrictive for some businesses. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

edit

Hi there,

We genuinely appreciate you taking the time to share where your experience could be improved. Feedback like yours is incredibly important to us—it helps us understand where we can do better and guides our efforts to create a more seamless and reliable experience for all the businesses we serve.

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

TIFFANY P.

owner

Small-Business (50 or fewer emp.)

2/13/2024

"I found Melio was very simple and easy to learn & use!"

4.5/5

What do you like best about Melio?

When I first used Melio for a payment, I felt good about it because they were quick to confirm everything. As a new business owner, I wasn’t sure if it was the best option, so I tried another company, but that didn’t work out. Melio’s customer service ended up being way better. Review collected by and hosted on G2.com.

What do you dislike about Melio?

I don't remember disliking any features or anything specifically. I can't recall a downside to using the platform as I was pretty satisfied with the service I received. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

edit

Hi Tiffany, thanks for sharing this review with us! We're thrilled to hear that Melio is a crucial tool for your business in simplifying your workflow and providing you with quick correspondence and payment confirmations. We understand that choosing the right payment solution is essential and we're glad we can meet your needs. We'll be sure to pass this feedback along to the team!

Best,

Team Melio

Verified User in Accounting

Small-Business (50 or fewer emp.)

8/22/2024

"The best payment processing software out there"

4.5/5

What do you like best about Melio?

The look and feel of the software, the cleanness, the smooth integration with QBO. It really cuts down on the time it takes to pay people. Getting it set up is a bit time consuming like any other payment processing platform, but still easy to do. Customer support is always there really quick, though getting an answer during a conversation tends to take a lot of time due to language barriers, the issue is always resolved pretty quickly though! Review collected by and hosted on G2.com.

What do you dislike about Melio?

You can't change the mapping of the payment processing fee going to QBO (you used to be able to!) and that's really frustrating. The system has also been really slow lately. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

edit

Hi there, thank you for sharing your insights with us! We're happy to hear that Melio's integration with QBO is saving you time and streamlining your payments. We apologize for any inconvenience with the payment processing fee mapping and the recent slowness. We'll be sure to pass this feedback along to our internal teams as we constantly working to improve these areas. Your insights help us enhance our service, and we appreciate your patience and understanding!

Best,

Team Melio

Allison S.

Accountant

Small-Business (50 or fewer emp.)

4/5/2025

"Straightforward design easy to manage payment methods"

5/5

What do you like best about Melio?

Single intuitive payment processor that covers our entire target market by supporting multiple payment options. Review collected by and hosted on G2.com.

What do you dislike about Melio?

The session can time out too fast if I’m inactive. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

edit

Hi Allison,

Thank you for sharing your experience! We're glad to hear Melio is aligns so well with your needs and helps you effectively reach your target market!

Best,

Team Melio

Christine B.

Owner

Small-Business (50 or fewer emp.)

8/27/2024

"Melio has made AR/AP so easy!"

5/5

What do you like best about Melio?

I love being able to see where my receivables are in the process of being deposited into my account. I also really appreciate that I can take CC payments and ACH without having to ask clients for personal information. Their customer service has been very helpful anytime that I have needed to reach out. Review collected by and hosted on G2.com.

What do you dislike about Melio?

Some B2B clients prefer I make payments to THEIR Melio, but I haven't found a way to link those payments to mine so that I don't have to make manual entries. Review collected by and hosted on G2.com.

Response from Tia Hunte of Melio

edit

Hi Christine,

Thank you for sharing this review with us! We're delighted to hear that Melio has helped streamline your accounts receivable workflow through credit card payments and our secure ACH request forms for vendors. You can view payments from other Melio account users in the "Paid" category of the "Get Paid" section on your Melio dashboard. For more details, please view our help center article: https://bit.ly/3AMhtXR. We'll also be sure to pass this feedback along to our team!

Cheers,

Team Melio

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