--- title: Melio Reviews meta_title: 'Melio Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 248 reviews by the users' company size, role or industry to find out how Melio works for a business like yours. aggregate_rating: rating_value: 4.4 review_count: 248 scale: '5' date_modified: '2026-10-22' parent_category: name: Payment url: https://www.g2.com/categories/payment ---

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

5 Cons or Disadvantages of Melio

Melio Reviews (248)

Reviews

Melio Reviews (248)

4.4
248 reviews
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Martin B.
MB
Martin B.
Founder & CEO
Real Estate
Small-Business (50 or fewer emp.)
"Zero concern with hacking and fraud"
0/5
What do you like best about Melio?

Easy to use and connect to Quickbooks online. Review collected by and hosted on G2.com.

What do you dislike about Melio?

We had several invoices fraudulently created over several weeks totally tens of thousands of dollars. We pointed these out several times to Melio requesting that they look into how these invoices were created. Perhaps one of our users was hacked. One would think that a company like Melio that deals with users bank accounts and credit cards would show some interest if a customer claims they were hacked - but we received zero interest from Melio in providing any customer support on this issue whatsoever. So we deleted all our accounts and moved elsewhere. Review collected by and hosted on G2.com.

Response from Tia Hunte of Melio

Hi Martin, thank you for your feedback. We're truly sorry to hear about your less-than-satisfactory experience. At Melio, we take fraud matters very seriously and are committed to assisting you in every way possible.

To help us investigate further, could you please email us with more details regarding the fraudulent charge(s) at reviews@melio.com? Once we receive this information, we will prioritize a thorough investigation.

We genuinely want to resolve this for you and look forward to hearing from you soon!

Best,

Team Melio

Verified User in Information Technology and Services
UI
Verified User in Information Technology and Services
Mid-Market (51-1000 emp.)
"Melio: Pay in multiple currencies."
4.5/5
What do you like best about Melio?

Melio is the very simple to use payment transfer app. Specially for small businesses to make payment to vendors, suppliers and contractors etc. Review collected by and hosted on G2.com.

What do you dislike about Melio?

There is nothing to dislike about Melio. Review collected by and hosted on G2.com.

Response from Brianna Pedernera of Melio

Hi there, thank you so much for your positive feedback! 🙌 We’re thrilled to hear that Melio has been such a helpful and simple solution for your payment needs, especially as your business serves clients across different states. It’s fantastic that you find our service both easy to use and secure, as that is what we strive for! We’re committed to continuing to support small businesses like yours with efficient and safe payment solutions. Best, Team Melio

Jeffrey J.
JJ
Jeffrey J.
Managing Partner
Small-Business (50 or fewer emp.)
"Expense Management Solution"
5/5
What do you like best about Melio?

Melio has been a go-to resource for credit card, travel and expense management support. The comprehensive solution has helped track job expenses, manage individual travel expenses, and improve our company financial record keeping for job related travel. We found that the melio dashboard was integratable with our accounting software. We also found that there was a information share capability that allowed us to import our expense data from our accounting into melio. Since we adopted melio we have been able to keep track of travel and job expenses without paying more for accounting services. Review collected by and hosted on G2.com.

What do you dislike about Melio?

I didn't like that we needed two dashboards to manage our accounting. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi Jeffrey, thank you for sharing your experience! We're glad Melio has been a valuable resource for managing your travel and job expenses and that our integration with your accounting software has been helpful. We understand the challenge of managing multiple dashboards and appreciate your feedback as we work to improve the user experience.

Best,

Team Melio

MK
Milena K.
Accounting Bookkeeper
Small-Business (50 or fewer emp.)
"Great and Reliable Service"
5/5
What do you like best about Melio?

Melio is very easy to set up, integrate, and use. It offers great features and saves time. Customer support is always there and ready to answer questions and help in any way they can. I use it every day and recommend it to anyone looking for an A/P & A/R Solution. My preferred method for bill payments. Review collected by and hosted on G2.com.

What do you dislike about Melio?

There is no such thing at the moment. Probably, the slightly slower ACH. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi Milena, thanks for leaving a review! We're thrilled to hear that Melio has been easy to set up, integrate, and use, saving you time and hassle with bill payments. It's great to know that our support team has been helpful and responsive. If you face any difficulties with a payment, 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

anas m.
AM
anas m.
Campaign Volunteer
Small-Business (50 or fewer emp.)
"Melio is Fantastic"
5/5
What do you like best about Melio?

It has the potential of truly democratising business payments. My clients were happier than before because I had more choices of paying them. Review collected by and hosted on G2.com.

What do you dislike about Melio?

A digital B2B payment platform can sometimes be a tricky process for starters who like conventional payment methods. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi Anas, thank you for your review! We're thrilled to hear that Melio has helped your business thrive with its seamless payment experience. We'll be sure to pass this feedback along to the team!

Best,

Team Melio

Verified User in Marketing and Advertising
UM
Verified User in Marketing and Advertising
Small-Business (50 or fewer emp.)
"Melio has been a great find for us."
5/5
What do you like best about Melio?

As a small business, finding a B2B payment solution that doesn't charge fees has been great. What we invoice is what we receive. We use Melio mostly to receive payments, but do use it to make payments when we work with someone who only accepts checks.

The interface is easy to use and the process is pretty straight forward. Review collected by and hosted on G2.com.

What do you dislike about Melio?

I wish Melio accepted payments from personal accounts instead of businesses only because we tend to work with businesses and people who might not have a business account.

The other minor annoyance is that Melio only syncs with Quickbooks. It doesn't have integrations with other common accounting software. It's easy enough to upload an invoice, but it would be nice to skip that step. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi there, thank you for sharing your experience with Melio! We’re glad to hear that our platform has been helpful for your business, especially in saving on processing fees. We understand your frustration regarding the lack of integration with personal accounts and other accounting software. Your feedback is valuable, and we’re always looking for ways to improve. If there’s anything else we can do to support your needs, please let us know. We’re here to help!

Best,

Team Melio

Verified User in Marketing and Advertising
UM
Verified User in Marketing and Advertising
Small-Business (50 or fewer emp.)
Business partner of the seller or seller's competitor, not included in G2 scores.
"User-Friendly Platform with Outstanding Support from a Dedicated Account Rep"
5/5
What do you like best about Melio?

The best thing about Melio is its simplicity and ease of use. The platform makes managing payments incredibly straightforward, even for those who aren’t financial experts. Additionally, having a dedicated account representative adds a personal touch that makes a big difference. Whenever I have a question or need assistance, my rep is always there to help, providing quick and reliable support. Review collected by and hosted on G2.com.

What do you dislike about Melio?

One aspect I find challenging with Melio is the occasional delay in processing certain payments, especially when dealing with larger amounts. While this isn’t a frequent issue, it can be inconvenient when trying to manage cash flow efficiently. It would be great if these delays were minimized to ensure smoother transactions. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi there, thank you for sharing your experience with Melio! We're glad to hear you find the platform easy to use and appreciate the support from your dedicated account representative. We understand that occasional payment delays can be frustrating, especially when managing cash flow, and we're continuously working on improving our processes to minimize these occurrences. Your feedback is valuable, and we’re always here to help!

Best,

Team Melio

ZN
Zachary N.
Medical Director
Small-Business (50 or fewer emp.)
"Quick service usually but problems when I referred someone (fellow physician) and it was a problem."
3/5
What do you like best about Melio?

Quick usually but could be quicker (takes 5 days) Review collected by and hosted on G2.com.

What do you dislike about Melio?

Fellow physician tried to pay me and Melio gave the run around looking for EIN and all this business information. She would not use my referral link and it gave me a sour taste in my mouth for the company. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi Zachary, thank you for sharing your feedback. We're glad to hear you appreciate the benefits of electronic payments without fees. We apologize for the inconvenience your payor experienced with the payment process. We're continually working to improve our service and make transactions faster and more straightforward for everyone. If there’s anything specific you’d like us to address, please contact us at reviews@melio.com.

Best,

Team Melio

BS
Brandon S.
Small-Business (50 or fewer emp.)
"My customers are afraid to use it. Now I am too."
0/5
What do you like best about Melio?

When I first started using Melio, the customer service was outstanding. A friendly account executive took the time to meet with me virtually and discuss my needs and demonstrate the service. The interface is simple and intuitive. I even recommended it to my own clients. Not anymore. Review collected by and hosted on G2.com.

What do you dislike about Melio?

Most of my customers are too uncomfortable to use it. They don't like the idea of providing their bank information on a website.

I have a small law practice and sent a customer an invoice to pay me a retainer. I finally convinced this customer to use Melio because the payment was for an urgent matter they wanted me to being right away, and I told them this would be faster. They sent the payment via Melio.

I received a cryptic email from "compliance" telling me my account is disabled and that the payment failed. Concerned, I called my account executive. She picked up the phone, only to tell me she no longer works for Melio. Melio never told me.

Unable to find another telephone number, I started a help chat, in which I was told that I had to email "compliance." Compliance emailed me back at 3AM. They needed my NAICS code and a W-9. Whose W-9, mine or my customer's, I emailed to ask? Compliance emailed me back the next day at 2AM: my customer's.

My client is now really annoyed. Their payment failed. It's been two days without answers. Why should they send me a W-9 when they're paying me, not the other way around? Forget Melio, the're just going to mail me a check.

Nope. Melio says that my account will remain locked until my customer sends me a W-9 to send to them. Now I am begging my client to send me a W-9 with their EIN on it so I can restore my access to Melio, which my client doesn't even want to use anymore. Can I talk to someone on the phone? No. Can "compliance" respond to my emails faster than a day later? No.

That friendly account executive? I asked. They no longer offer that service.

Moving on. Review collected by and hosted on G2.com.

Response from Tia Hunte of Melio

Hi Brandon,

We appreciate you taking the time to share your feedback with us. We regret to learn that your experience, which was initially positive, has now fallen short of your expectations. It's important for you to know that at Melio, the security of our customers' accounts is our top priority. We have implemented various measures to ensure that your banking information is kept safe and secure when provided online.

Additionally, to ensure that we meet regulatory standards, our compliance team conducts comprehensive reviews of all payments and accounts. Maintaining regulatory standards is our top priority, and our team is committed to conducting thorough reviews of payments and accounts. We understand your frustration and recognize the significance of timely communication when you need it. Please know that we will pass this feedback along to our team and address it internally. Your concerns are important to us, and our ultimate goal is to resolve any issues you may have. As there is limited information here, please email us at reviews@melio.com and we will prioritize your message and promptly address any immediate concerns you may have.

Best,

Team Melio

John W.
JW
John W.
Founder/Wall Street Disruptor
Small-Business (50 or fewer emp.)
"Simplifying Business Transactions with a Personal Touch"
3.5/5
What do you like best about Melio?

User-Friendly Interface: Right off the bat, Melio impresses with its intuitive and sleek interface. Navigating through the platform feels like a breeze, making the management of payables and receivables less of a chore and more of an enjoyable task.

Flexibility in Payments: The flexibility Melio offers is a game-changer. Whether it's paying via bank transfer, credit card, or even opting for a check payment, Melio caters to a variety of preferences, ensuring businesses can manage their cash flow effectively.

Cost-Effectiveness: With no subscription fee and a model that allows free bank transfers, Melio is a boon for businesses keeping a tight leash on their operational costs. This approach democratizes access to premium financial management tools, which I find incredibly admirable.

Enhanced Cash Flow Management: Melio's ability to schedule payments and offer credit card payments even to vendors that don't accept them directly is a standout feature. This not only aids in better cash flow management but also offers the opportunity to earn credit card rewards. Review collected by and hosted on G2.com.

What do you dislike about Melio?

Limited International Payments: Currently, Melio's services are primarily focused on domestic transactions within the United States. For businesses like mine that have a global footprint, the inability to execute international payments is a notable limitation.

Integration Capabilities: While Melio integrates with some accounting software, its ecosystem can feel a bit isolated. Expanding its integration capabilities with more platforms would significantly enhance its utility, making it a more versatile tool for businesses that rely on a suite of applications to manage their operations.

Customer Support: Although the platform is relatively straightforward to use, navigating customer support can sometimes feel like a maze. Enhancing the accessibility and responsiveness of support would go a long way in elevating the user experience. Review collected by and hosted on G2.com.

Response from Stevie U of Melio

Hi John, thank you for taking the time to leave a review with us. We are thrilled to hear that Melio not only helped enhance your cash flow management but also provided you with a seamless pay experience. Please note that international payments can be made on our platform for a $20 fixed fee. We appreciate your feedback regarding our integrations and support team, and we have forwarded it for internal review. We are committed to ensuring a positive customer experience and offering assistance when needed.

Best,

Team Melio