Melio vs PayTrace

QuickBooks Online

QuickBooks Desktop

BILL Accounts Payable & Receivable

PayPal Checkout

ActivityHD

ddSuite

Compare Melio and PayTrace based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

BILL (NYSE: BILL) is a leader in financial automation software for small and midsize businesses. We are dedicated to automating the future of finance so businesses can flourish.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Melio simplifies bill payments for businesses of all sizes. Pay vendors online using bank transfers or credit/debit cards, even if they only accept checks. Seamlessly sync with QuickBooks and Xero, keeping your finances up to date. To get started, enjoy your 30 day free trial.

1099 Preparation

Accounting Integration

Accounts Payable

Accounts Receivable

ACH Payment Processing

Approval Process Control

Approval Workflow

Bank Reconciliation

Billing & Invoicing

Billing Portal

Bookkeeping Services Integration

Cash Management

Check Processing

Check Writing

Client Management

Contact Database

Credit Card Processing

Customer Statements

Customizable Invoices

Customizable Reports

Customizable Templates

Dashboard

Data Import/Export

Data Security

Debit/Credit Card Processing

Deferred Billing

Document Management

Due Date Tracking

Dunning Management

Duplicate Payment Alert

Electronic Funds Transfer

Electronic Payments

Expense Tracking

Financial Management

For Accountants

For CPA Firms

For Medical Purposes

For Small Businesses

Fraud Detection

General Ledger

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Mobile Access

Mobile Payments

Multi-Currency

Multi-Period Recurring Billing

Multiple Payment Options

Online Invoicing

Online Payments

Partial Payments

Payment Processing

PCI Compliance

Project Billing

Receivables Ledger

Recurring Invoicing

Recurring Payments

Recurring/Subscription Billing

Remote Access/Control

Reporting & Statistics

Reporting/Analytics

Search/Filter

Self Service Portal

Status Tracking

Task Management

Third-Party Integrations

Transaction History

Vendor Management

Melio

Android

Web-based

iPhone

Executive Assistant 

The ease of set up and implemenation on this software is outstanding. The immediate synch with Quickbooks has been a time saver.

accountant

I have been extremely happy with the ability to have payments come directly into my bank account from the customer, and the fees are fair.

That should have been a warning sign. Then I tried to send my first payment to my vendor, and when I did it said the payment failed and I needed to contact compliance, with no additional information.

Business Consultant

Is easy to set up, easy to use, clean and smooth for our customers, and the best it is free for our customers to send ACH.

owner

You really can't beat that with a stick. It's great for paying things like Building Rent that needs a check or any other bill that does not accept cards at all.

Melio is super easy to set up and use. The integration is fast and simple, and works reliably.

I am happy with the product, especially since it is free for the functionality I am using it for.

Owner

Do you have the option to integrate it with your QuickBooks or use it as a standalone product which is great.

President

Customer service is second to none. You really get the sense that the people speaking to you care about the product and care about how you are using it.

Modern, ease of use, could be useful and a good idea.

Founder

It's easy to use and inexpensive. When needed, the customer service is excellent.

Owner, Co-Founder

Very poor support, I am extremely disappointed.

You are truly own your own with the platform and service. Melio also has no phone number, and eventually will stop responding.

Office Manager

Nightmare experience followed by horrible support - run away fast.

As a small business owner my time is limited and I love that Melio feels like my partner.

Co-Owner

Straight to the point - it simply and effectively works.

Chief Executive Officer

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.

Owner, Accountant

Inexpensive and effective way to get paid by my clients.

Melio screenshot: Melio mobile dashboard

Melio screenshot: Melio add a bill

Melio screenshot: Melio add a bill options

Melio screenshot: Melio upload a bill file 

Melio screenshot: Melio file uploaded

Melio screenshot: Melio bill uploaded

Melio screenshot: Melio payment selection

Melio screenshot: Melio how vendor gets paid

Melio screenshot: Melio schedule payment

Melio screenshot: Melio payment in process

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Small Business

ActivityHD is an enterprise resource planning (ERP) solution that assists businesses of all sizes with payroll processing, accounting, business management and more.

PayPal Checkout is a payment checkout platform that enables retailers to process payments via various payment modes.

ddSuite software from DDC Schweiz allows object data of large infrastructure objects to be viewed from the overall view down to the smallest detail, managed and orders and invoices to be triggered.

PayTrace is a payment gateway that enables businesses to accept payments on the platform, integrate with leading business solutions, or build a custom solution using an application programming interface (API).

Accounting

Activity Dashboard

Aging Tracking

Alerts/Notifications

Compliance Management

Customizable Branding

Discount Management

Electronic Signature

In-Person Payments

Payment Fraud Prevention

Payment Gateway Integration

Payment Reconciliation

Real-Time Data

Real-Time Reporting

Receipt Management

Reminders

Transaction Monitoring

PayTrace

iPad

president

Jill, perris lies and wont help , only taskes your money wont tell you about disputes and the worst of the worst.

Info Tech / Systems manager

PayTrace checks all these boxes, but so far what I am most impressed with is the customer service. Easy to get a person on the phone that is knowledgeable and helpful.

CFO, Administration, HSE

I love the ease of use with Keyed Entries. The system is very rarely down and readings/reports are always accurate.

Payment Processing Officer

Interchange Optimization with little to NO need for additional work on the client's part. Great versatility and excellent customer service.

Tech Lead

We are using PayTrace on Magento 2 website. Stable and nice payment service.

Treasurer

This is a user-friendly process that gives confidence to our families for the security of their payment processing.

Inability to process ACH or checking account payments.

Sr Engineer

The API is simple to use. The Portal has quick responsive.

Transaction expires in 30 days. There is no way to prolong.

Sales

Pretty easy to use and store card information.

Controller

The only feature that we use is on line credit card payments.

PayTrace screenshot: Create an invoice using our browser-based solution, Trace AR.

PayTrace screenshot: The PayTrace API leverages the simplicity and widespread support of JSON to create APIs that are faster, easier to use, and better aligned with web development best practices.

Melio vs PayTrace Comparison (2026)

Melio

PayTrace

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives