Easy bill payment and invoicing solution for businesses, streamlining AP/AR and cash flow.
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645 reviews trackedThe Bottom Line
Entry price
Free plan available, paid tiers above
Biggest pro
Free bill pay
Biggest con
Card payments have fees
TL;DR - Melio
- Automates accounts payable and receivable for businesses.
- Offers flexible payment options for bills and easy digital invoicing.
- Integrates with major accounting software and provides cash flow management tools.
Pricing: Free plan available
Best for: Growing teams
4.3/5 across review platforms
What is Melio?
Melio is a comprehensive bill payment and invoicing solution designed for businesses of all sizes, including accounting firms. It simplifies accounts payable (AP) and accounts receivable (AR) processes by offering automated workflows, powerful cash flow management, and various payment options. Businesses can pay vendors via ACH, wire, check, or even credit card (even where cards aren't accepted), and receive payments digitally through shareable links and merchant accounts.
The platform integrates seamlessly with accounting software like QuickBooks Online, QuickBooks Desktop, and Xero, ensuring data synchronization and reducing manual work. Key features include AI bill capture, W-9 collection, 1099 automation, batch payments, approval workflows, and international payment capabilities. Melio aims to save businesses time, enhance control over finances, and optimize cash flow, making it easier to manage payments and get paid quickly.
Available on: Web, iOS, Android
Pros & Cons
Pros
- Free bill pay
- Pay by card, send as check
- Simple interface
- QuickBooks integration
- Good for small business
Cons
- Card payments have fees
- Limited features
- Not for invoicing
- US only
- Basic reporting
Ratings Across the Web
4.3(645 reviews)
Ratings aggregated from independent review platforms. Learn more
Key Features
Business paymentsBill payVendor managementACH and card paymentsPayment schedulingQuickBooks sync
Pricing Plans
Pricing checked Jul 12, 2026
Free
Free
- 5 free ACH/mo
- Sync with accounting
- Pay by bank or card
- 2.9% card fee
Core
$25/month
- Unlimited ACH
- 1 user seat
- Accounting sync
- 2.9% card fee
Scale
Custom
- Unlimited users
- Premium support
- Advanced controls
Reviews
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4.3/5
Across 645 verified user reviews on Capterra, G2
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Melio FAQ
How does Melio help businesses manage their accounts payable?
Melio streamlines accounts payable by offering automated workflows, AI bill capture, and various payment options including ACH, wire, check, or credit card. It also includes features like W-9 collection, 1099 automation, and approval workflows to simplify vendor payments.
What kind of user benefits most from Melio?
Melio is particularly beneficial for small businesses and accounting firms looking to simplify their financial operations. Its simple interface and QuickBooks integration make it suitable for businesses aiming to manage payments and cash flow more efficiently.
How is Melio priced?
Melio is available on a free tier, which allows businesses to pay bills without charge. Paid plans are offered for users who require more extensive features and higher usage limits.
Which accounting software can integrate with Melio?
Melio integrates seamlessly with popular accounting software such as QuickBooks Online, QuickBooks Desktop, and Xero. This integration ensures data synchronization and reduces the need for manual data entry.
What are the primary limitations of using Melio?
Melio's primary limitations include fees for credit card payments and basic reporting capabilities. Additionally, it is designed for use within the US only and has limited features for invoicing.
Can businesses use Melio to pay vendors who do not accept credit cards?
Yes, businesses can use Melio to pay vendors via credit card even if the vendor does not directly accept cards. Melio facilitates these payments by sending the vendor funds through ACH, wire, or check.
How does Melio compare to Pleo for financial management?
Melio focuses on streamlining accounts payable and receivable with free bill pay and diverse payment options, including credit card payments to any vendor. Pleo, by contrast, is primarily known for expense management and smart company cards.
Source: meliopayments.com