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

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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

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

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.

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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.

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