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Melio

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Easy bill payment and invoicing solution for businesses, streamlining AP/AR and cash flow.

FinanceInvoicingAccountingWorkflow Automation
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Reviews onG2Capterra
645 reviews tracked

The 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?

Editorial review
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

how we evaluateSourcemeliopayments.com ↗

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)

Melio holds an aggregate rating of 4.3 out of 5 from 645 reviews across G2 and Capterra, last checked March 18, 2026.

G2245 reviews
4.5/5
Capterra400 reviews
4.2/5

Ratings aggregated from independent review platforms. Learn more

Key Features

Business paymentsBill payVendor managementACH and card paymentsPayment schedulingQuickBooks sync

Pricing Plans

Pricing checked Aug 21, 2026

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
Calculate your costView full pricing

Is Melio worth the price?

75/100

Melio's pricing is fair, offering a generous free tier for small businesses with limited ACH needs.

The Core plan at $25/month provides good value for unlimited ACH, though the 2.9% card fee remains. The Scale plan is for larger businesses requiring custom solutions.

Hidden Costs & Gotchas

2.9% fee on all card payments across all tiers

Core plan limited to a single user seat

Custom pricing for advanced Scale features

How Melio Compares to Competitors

Compared to Bill.com, which starts around $49/month for basic features, Melio's free tier and $25/month Core plan are more accessible for smaller businesses. However, both charge similar card processing fees. QuickBooks Bill Pay also offers integrated solutions, but Melio's focus on standalone bill payment can be more flexible.

Reviews

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4.3/5

Across 645 verified user reviews on Capterra, G2

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Best Melio Alternatives

Top alternatives based on features, pricing, and user needs.

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Transform business spending into success with smart company cards and automated expense management.

4.8
EnergyCAP logo
EnergyCAPPaid

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4.7
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Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

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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

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