
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
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
4.3/5
Across 645 verified user reviews on Capterra, G2
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Melio FAQ
What is Melio?
Melio is a business payments platform that makes it easy to pay vendors and get paid, even if your vendor only accepts checks.
Is Melio free?
Bank transfers are free. Card payments have a 2.9% fee. Expedited payments have additional fees.
Can I pay with a card even if vendors don't accept cards?
Yes, Melio lets you pay by card and sends the vendor a bank transfer or check.
Source: meliopayments.com