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Melio

Accounts payable platform for businesses of all sizes

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Melio - 2026 Pricing, Features, Reviews & Alternatives

All user reviews are verified by in-house moderators and provider data by our software research team. Learn more

Last updated: February 2026

Melio overview

Based on 401 verified user reviews

What is Melio?

Melio is an accounts payable solution with key features that include electronic funds transfer, online payments, payment processing, invoice processing, billing and invoicing, and more.

Who uses Melio?

By industry, Melio reviewers are most commonly professionals in accounting (22%). The most frequent use case for Melio cited by reviewers is accounts payable (52% of reviewers).

What do users say about Melio pricing?

Most reviewers indicate that Melio delivers strong value for money, as they appreciate free ACH payments and core features. Some users say the free plan meets their needs, but a few reviewers report concerns about value after paid plans launched.

What are the most popular integrations for Melio?

The Melio integrations most frequently cited by reviewers are: QuickBooks Online (an accounting product rated 4.7 out of 5 for its integration with Melio) and QuickBooks Online Advanced (an accounting product, 4.1).

Starting price

25per user /
per month

view pricing plans

Pros & Cons

Credit Card Payments

Approval Process

Accounting Integration

Funds Management

Check Processing

Delayed and ineffective email support

Melio’s user interface

Ease of use rating:

4.2

(401)

Melio pros, cons and reviews insights

To determine these pros and cons insights, we analyzed responses from

Overall rating

Reviews sentiment

1-2(61)

3-4(77)

5(263)

What do users say about Melio?

Melio is an accounts payable solution with key features that include electronic funds transfer, online payments, payment processing, invoice processing, billing and invoicing, and more.

Select to learn more

Who uses Melio?

Based on 401 verified user reviews.

Company size

Small Businesses

Enterprises

Midsize Businesses

Top industries

Accounting

Marketing and Advertising

Real Estate

Financial Services

Others

Use cases

Accounts Payable

Payment Processing

Billing and Invoicing

Accounts Receivable

Bookkeeper

Melio's key features

GetApp's analysis of 133 verified user reviews collected between August 2021 and December 2024 identifies Melio's most critical features and summarizes user sentiment about those features.

Electronic funds transfer

4.2

Reviewers appreciate Melio's Electronic Funds Transfer feature for its ease of use and time-saving aspects. They report it simplifies paying vendors and contractors via ACH and direct deposit. Users find it convenient for scheduling payments and eliminating paper checks. However, some mention issues with failed transfers and slow processing times. They indicate the need for quicker turnaround and better reliability. Integration with QuickBooks Online is a desired enhancement for many users. Of the 24 Melio users who gave detailed accounts of their use of Electronic Funds Transfer, 100% rated this feature as important or highly important.

See related user reviews

“I pay my subcontractors / vendors using the ACH payment method. If you could sync this with Quickbooks Online, that would be perfect. I would love it if when I write a check on quickbooks to one of my vendors, that it would automatically sync with Melio and send an ACH electronic funds transfer to that vendor.”

Ian P.

Owner

“ACH transfer mostly works on Melio. However, I've now had three instances of payments that didn't go through, two of which were never explained. Supposedly there is an explanation, but we've never been given one. ”

Kathleen B.

Founder, Virtual Assistant

Online payments

4.4

Users report that Melio's Online Payments feature is straightforward and efficient, making it easy to send and receive payments. They appreciate the ability to process customer payments with a shareable link and the convenience of automatic payments. Reviewers indicate that the service is generally reliable and secure, though some note delays in fund transfers and issues with international payments. Integration with QuickBooks is highlighted as a beneficial aspect. Of the 25 Melio users who gave detailed accounts of their use of Online Payments, 100% rated this feature as important or highly important.

See related user reviews

“I love that Melio can process customer payments online for me with a simple shareable link!”

Ginger B.

Court reporter

“Melio is awesome to send ACH payments to your vendors you can set them up to come out automatically.”

Austin A.

Founding Member

Payment processing

4.3

Reviewers indicate that Melio's Payment Processing feature is user-friendly and efficient, allowing for automatic and scheduled payments. They appreciate the integration with QuickBooks Online and the ability to pay vendors via ACH. Users report that the process is generally reliable and cost-effective, though some experience occasional glitches and delays. They value the various payment options available and the ease of setting up recurring payments. Of the 33 Melio users who gave detailed accounts of their use of Payment Processing, 94% rated this feature as important or highly important.

See related user reviews

“Time is money. Using Melio to process payments/accounts payable is far more effecient use of time rather than having load checks into a printer, print them, stuff envelopes, and drop in mailbox. Especially true when this was a free service, but for $1.50 the cost of the ink, checks, envelopes, stamps, and my time...still worth it”

Scott B.

Owner

“Facilitating payments, whether for invoices, returns, etc., is pretty simple with Melio.”

Oscar S.

Manager

Invoice processing

4.4

Users report that Melio's Invoice Processing feature is highly efficient and easy to use. They appreciate the approval system, which provides control over payment oversight. Reviewers highlight the ability to upload invoices and automate payment processing, saving time and reducing manual effort. Integration with QuickBooks is seen as a valuable aspect. Some users note occasional issues with canceled payments and delays, but overall, they find the system reliable and straightforward. Of the 27 Melio users who gave detailed accounts of their use of Invoice Processing, 89% rated this feature as important or highly important.

See related user reviews

“The approval system is especially helpful in Melio. We use it with our clients and they love the control it provides them in overseeing where the money is going. ”

Jodi P.

Owner

“I love that I can upload the invoice and it pretty much takes care of everything on its own ”

Cheryl P.

Owner

Billing & invoicing

4.4

Reviewers appreciate Melio's Billing & Invoicing feature for its simplicity and efficiency. They report that it streamlines the process of creating and sending invoices, with capabilities like automatic invoice uploading and easy payment links. Users find it helpful for tracking client services and managing vendor payments. Integration with QuickBooks Online is frequently mentioned as a beneficial aspect. Some users express a desire for improved usability and more frequent use in their workflow. Of the 19 Melio users who gave detailed accounts of their use of Billing & Invoicing, 84% rated this feature as important or highly important.

See related user reviews

“It makes it easier for me to create invoice for my Customers and Clients to do some job ”

Joel B.

Marketer

“I upload bills and send clients links to make payment to the referenced invoice. ”

Brandy C.

Founder

All Melio features

Features rating:

4.1

(401)

Data import/export

5.0

(1)

Dashboard

4.8

(10)

For accountants

4.0

(2)

For small businesses

4.9

(7)

Client management

3.5

(2)

Bookkeeping Services Integration

5.0

(1)

Self service portal

3.7

(3)

Document management

(0)

Due date tracking

5.0

(1)

ACH payment processing

4.2

(55)

Electronic payments

4.1

(50)

Online invoicing

4.5

(59)

Customizable invoices

4.3

(37)

Accounts payable

4.6

(29)

Accounting integration

4.5

(13)

Data security

4.4

(55)

Multiple payment options

4.1

(29)

Invoice history

4.5

(51)

Invoice management

4.7

(13)

Third-Party integrations

4.3

(25)

Mobile payments

4.2

(58)

Invoice creation

4.6

(43)

Billing portal

4.4

(23)

Contact database

3.9

(13)

Check writing

4.0

(26)

Approval process control

4.2

(45)

Accounts receivable

4.7

(17)

Vendor management

3.0

(12)

Approval workflow

5.0

(3)

Fraud detection

3.4

(13)

Duplicate payment alert

4.2

(41)

Debit/Credit card processing

4.2

(35)

Check processing

5.0

(4)

Recurring invoicing

5.0

(3)

Recurring payments

2.8

(6)

Bank reconciliation

4.4

(37)

Multi-Period recurring billing

3.8

(5)

General ledger

2.2

(5)

Dunning management

4.2

(6)

Accounting

4.0

(2)

Cash management

3.6

(17)

Expense tracking

4.3

(26)

Customer statements

3.8

(6)

PCI compliance

4.7

(7)

Partial payments

3.3

(7)

Reporting/Analytics

4.4

(15)

1099 preparation

1.8

(4)

Recurring/Subscription billing

4.0

(1)

Remote access/control

(0)

Reporting & statistics

(0)

Transaction history

(0)

Search/Filter

(0)

Timer

(0)

Task management

3.8

(4)

Status tracking

(0)

Receivables ledger

3.0

(1)

Project billing

(0)

Payment links

(0)

Cash flow management

1.0

(1)

Multi-Currency

(0)

Mobile access

(0)

Credit card processing

3.0

(2)

Customizable reports

(0)

For medical purposes

(0)

For cpa firms

(0)

Customizable templates

(0)

Financial management

(0)

Deferred billing

5.0

(1)

Melio alternatives

Melio

4.2

(401)

visit website

Starting from

/user

Per month

Free trial

Free version

Ease of Use

4.4

Features

4.1

Value for Money

4.3

Customer Support

4.0

QuickBooks Online

4.3

(8.3K)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

Features

Value for Money

Customer Support

Xero

4.4

(3.2K)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

Features

Value for Money

Customer Support

QuickBooks Enterprise

4.5

(20.6K)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

Features

Value for Money

Customer Support

Melio pricing

Pricing plans

Pricing details:

Free plan

Free trial

Subscription

Go

0.00

/user

Features included:

5 free ACH transfers per month
10 free syncs with QuickBooks Online & Xero
Pay by card or bank—vendor receives check, ACH, or wire transfers
Easy bill management: Upload, scan, or import bills
Dedicated email for automatic bill capture
Global payments in USD or local currencies
Recurring and partial payments
Instant payments
Free mobile app (iOS & Android)
Accept payments via custom links

Core

/user

Per month

Features included:

Try all of Melio's features free for 30 days before you choose a plan.
Send 20 free ACH transfers/month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay multiple bills at once
Combine payments into one transaction
Roles, permissions, and user management
Automated approval workflows
W-9 collection & auto 1099 sync
Automatic capturing of bill line items

Boost

/user

Per month

Features included:

Try all of Melio's features free for 30 days before you choose a plan
Send 50 free ACH transfers/month
2-day ACH transfer eligibility
Advanced multi-user approval workflows
2-way auto-sync with QuickBooks Desktop
Advanced bill attributes (classes & locations)

Unlimited

/user

Per month

Features included:

Try all of Melio's features free for 30 days before you choose a plan
Melio Unlimited includes everything in Melio Boost, plus:
Unlimited free ACH transfers per month
Unlimited user seats
Dedicated account manager
White-glove onboarding

User opinions about Melio price and value

Value for money rating:

4.3

Of 25 reviews that provide robust commentary on Melio's price and value, 69% mention it in a positive light.

Most reviewers indicate that Melio offers strong value for money, highlighting that ACH payments and many core functionalities are free, which they find especially beneficial for businesses seeking to minimize processing fees. They appreciate that the platform allows free or low-cost transactions unless expedited payments or checks are required, in which case fees apply. Some users say the free plan covers their needs and find the option to process payments from checking accounts at no cost particularly valuable. A few reviewers report concerns about service quality changes when paid plans were introduced, affecting their perception of value.

, and

To see what individual users think of Melio's cost and value, check out the review excerpts below.

“The best thing about Melio is that it has no subscription, so you can use it as long as you want, and your vendor don't need a Melio account to receive payments, reducing the gap between.”

Andrei P.

Data Scientist

“Melio makes payment processing easy and what makes it stand out from the rest are its price point (free) and the added credit card processing option.”

Deepak K.

Chief Executive Officer

“I was willing to put up with a certain amount of hassle factor in exchange for the service, but when service quality noticeably deteriorated simultaneously with them rolling out a required paid plan, I couldn't run away fast enough (I see now there's a limited free option, but initially that wasn't there).”

Julie M.

Owner

Melio integrations (6)

Integrations rated by users

We looked at 401 user reviews to identify which products are mentioned as Melio integrations and how users feel about them.

QuickBooks Online

Integration rating: 4.8 (30)

“I need these two to talk so that our books line up with out payment records. Although (and I know this is QBO's fault) I wish the invoice syncing was a little more seamless from quickbooks.”

“The integration with Quickbooks Online is critical for us because that's the billing system I use daily for our company, so the fact that Melio works seamlessly with QBO is fantastic.”

“This was the number one reason of starting to use Melio and as long as they integrate I will always use and continue to recommend to my clients. ”

“Bills and payments flow seamlessly from QBO to Melio and back (two-way sync). It cuts my data entry time down significantly.”

“There must be a sync back and forth to the accounting software to make it a beneficial tool”

“This integration is important because I use QB exclusively for bookkeeping clients ”

“I use QB for money management so this integration was a requirement for me. ”

Beau R.

Owner

1/7

QuickBooks Online Advanced

Integration rating: 4.6 (10)

“THis is import because transactions are entered directly into QB. The issue is when I tried to link my new QB account to Melio, it keeps failing. Yes I did reach out to Melio Team, still awaiting a response. ”

“Bills and payments flow seamlessly from QBO to Melio and back (two-way sync). It cuts my data entry time down significantly.”

Amanda B.

Executive Assistant

1/2

FreshBooks

Integration rating: 4.7 (3)

Other top integrations

QuickBooks Desktop

Truckpedia TMS

UltraShip

Melio customer support

What do users say about Melio customer support?

Customer support rating:

4.3

We analyzed 60 verified user reviews to identify positive and negative aspects of Melio customer support.

A small group of reviewers found Melio's customer support team quick to respond, understanding, and honest about feature requests.

The majority of users report customer support is slow to respond or completely unresponsive, especially during urgent issues.

Common user feedback highlights difficulty reaching support via phone or email, with many left waiting or receiving no reply.

Widespread user sentiment notes inconsistent, unhelpful, or conflicting answers from support, with many issues left unresolved.

Support options

Chat

Email/help desk

Faqs/forum

Knowledge base

Training options

Live online

To see what individual users say about Melio's customer support, check out the review snippets below.

“Melio has an excellent customer support and resolves any issues quickly.”

Ryan R.

Accountant

“customer support is terrible have waited for support for over 40 minutes with nothing said to assure me as a customer that i am recognized as waiting in que.”

melanie b.

finance associate

Melio FAQs

Q. Who are the typical users of Melio?

Melio has the following typical customers:
Freelancers, Large Enterprises, Mid Size Business, Non Profit, Small Business

Q. What is Melio used for?

Melio is an accounts payable and accounts receivable solution designed to help businesses of all sizes manage bill payments, improve workflows, and optimize cash flow. To get started, enjoy your 30 day free trial. Pay vendors online using bank transfers or credit/debit cards, even if they only accept checks—Melio takes care of the manual work. Seamlessly sync with QuickBooks and Xero, keeping your finances up to date. Plus, pay vendors outside of the U.S. in USD or their local currency. With Melio, you can choose to pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is simple—manually enter, upload, or photograph invoices. Add multiple vendors at once with an Excel sheet or a CSV file—Melio can provide a template for your benefit. Schedule payments to fit your cash flow needs, and let Melio handle the rest. With a mobile app for iOS and Android, Melio lets you track and manage payments anytime, anywhere. Gain better control over your finances, making it easier to keep your business running smoothly.

Q. What are the benefits of using Melio?

• Flexible payments: Pay vendors via bank transfer or credit/debit card, while they receive a check, an ACH transfer, a wire transfer, or a single-use virtual card.
• Seamless sync: Auto-sync payments with QuickBooks and Xero.
• Pay with your credit card: Earn rewards and extend your payment float by up to 45 days.
• Advanced approval workflows: Delegate routine tasks while staying in control with flexible user roles and permissions.
• Mobile app: Approve payments and handle other finance tasks no matter where your business takes you.

Q. What languages does Melio support?

Melio supports the following languages:
English

Q. Does Melio support mobile devices?

Melio supports the following devices:
Android, iPhone

Q. Does Melio offer an API?

Yes, Melio has an API available for use.

Q. What level of support does Melio offer?

Melio offers the following support options:
Chat, Email/Help Desk, FAQs/Forum, Knowledge Base