Melio Reviews

- I can use any payment method (all major credit cards, debit cards, bank accounts) to pay my bills - Easy ACH payment implementation for paying bills - I can receive payments from customers quickly, relieving them of the need to mail checks and providing various options to pay me

- it seems that many features are still in development and not necessarily thought over yet - communication about incoming payments and their status needs to be more transparent

The system is very easy to navigate and use. Help is accessible and everything on the site is well explained.

Right now the system has all the features that I need. It would be great if I could use it for personal.

I'm glad I discovered this platform. I had been paying an exuberant amount of fees to recieve payments from my customers. Thanks to Melio, I enjoy receiving electronic payments without the deduction of transaction fees.

I wish I could receive the payments faster. Sometimes it takes 4 to 5 days to show in my account. I also wish the notes field would be better. More space, better looking on the recipient side. Maybe invoicing is a feature Melio could add.

It's simple, and does exactly and only the thing I want it to do: Pay people! I have other software the tracks everything, just no way to pay larger sums out.

nothing. literally. it's simple and works.

Hi Kelly, thank you so much for taking the time to post such an amazing review. We are glad to hear using Melio has helped your business become more efficient and provided you with an easy to use solution - it's what we're here for! All the best, Team Melio

The workflow and interface are idea. If the the staff supporting the product were at the level of the software this would be a wining offering

The compliance team blocked two payments for maintance on properites the trust manages. We provided FEIN, notarised trust documents, 2021 form 1041 tax returns, copies on invoices from vendors for service on the showerhead and HVAC and all I have heard is silence. My trustee and attorney are furious and my accountant is dissapointed and researching alternatives. The property manager and I have repeatedly...

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Hello Marlin, thanks for reaching out. Upon taking a look into your case, we can confirm our Compliance team notified you as of today, March 22nd that your account could not be approved as they were unable to verify your account under our criteria. Best, Team Melio

It connects to QBO will ease. You can search for vendors or create a new one on the fly. Set parameters so the admin has to approve payments before they are scheduled. ACHs are free, unless you need it expedited. If you do not have the vendors bank details, it will send a request for them to enter it themselves.

I have not used the check feature yet, but ACHs take 3 days to process. I also have to manually record in Quickbooks desktop, as Melio only connects to QBO.

Hi Nicole, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and are enjoying the features we offer. Sincerely, Team Melio

seemed to be what I needed for making business payments

Terrible customer service, never heard back on 5+ emails, and the customer service rep told me to just email again.

Hi Julie, we are sorry to hear about your experience. Without publicly getting into the specifics, we have confirmed that our compliance team has reexamined your case and resolved the issue. Your micro-deposits should now go through so you can verify your account. We apologize for any inconvenience this incident may have caused. We will also have a member of our team reach out to you directly. Sincerely, Team Melio

This Product is full of good features but what I like the most are the mobile payment and invoice history.

I do recommend Melio to keep going on that way. I am so happy using this product.

Love using this to easily pay all my vendors, track payments and of course have the flexibilty to use a credit card vs bank account as a funding option.

Improved workflow to add new vendors. Time for payment by check to get delivered.

Hi Jason, thank you for this amazing review and for your important feedback. We are glad to hear you are finding Melio to be useful and easy and that you enjoy our features and interface. We are currently working to add fast payment options, so stay tuned. All the best, Team Melio

Timely results. Really inexpensive. Great software.

No bad features of the software that I encountered

Ability to pay contractors as direct deposit and use a credit card to get points

Issues with payment from checking account being delayed or an instance where melio didn’t process the payment in the timeline they said they would and even after escalating to higher level still received no response

Hi Jamie, thank you for posting your review. We are very happy to hear Melio made your life easier - that was and remains our goal. We hope your issue has been resolved, but if you still require assistance, please reach out to us directly, stating your full name, company name, and the email you used to register: support@melio.com. All the best, Team Melio

As a small business with inconsistent cashflow, the most important aspect of Melio's model is the pricing being either free or paid by the party being invoiced rather than a recurring fee to maintain an unused account or to ask the business to pay a portion of an invoice's value as a fee. This allows businesses to provide online Melio payment as an option but also accept a paper check for the same amount from clients who are unwilling to use a particular platform.

As a developer, I've been awaiting the announcement of a programmatic API to integrate the service into other applications (or to whitelabel the offering for our customers).

Hi Chase, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and will pass your words along to our team. All the best, Team Melio

I like that Melio allows me to invoice my business clients without having to absorb payment processing fees.

My biggest problem with Melio is it only works with business accounts. If I have a coaching client that isn't set up as a business, I have to invoice elsewhere.

The onboarding is fast and easy. It is a direct solution and no ambiguity. The support was fantastic and has helped when needed it, and that was user error, not the platform. What I like most is that Melio gives you the flexibility that you wouldn't get in your financing and A/R flex. It's also something that has actually helped our client's more than it's helped us.

There are some limits to what you can use it for, while I understand those limits, sometimes you'll run into sites that it might not work with. Perhaps a bit more detail on the progress of transactions, and an audit trail. It's a great solution to a simple gap, doing one thing well it's hard to find faults. That said I don't use it every day.

Melio is a great service to set up bills payable and scheduling payments to different vendors. It is very useful in tracking payments processed and payments scheduled as well as keep track of vendor details. It's really nice that once you schedule a payment for a set date, you get a confirmation of the payment that has been sent out and they do it in a timely fashion and is much quicker than using the bank bill pay option as they send out checks faster.

I haven't been using the service for that long so I have not experienced any notable cons at this point

Hi Brittany, thank you for taking the time to post your review. We are very happy to hear Melio made your life easier - that was and remains our goal. All the best, Team Melio

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.

In the future I want to have the ability to implement melio as an API to my existing web applications.

Melio made making payments to vendors, 1099s, partners, etc., A LOT easier for me. The interface is easy to understand, and it reads invoices well, so that you are just clicking buttons towards payments.

They need to make it so that you can pay expense reimbursements to W2 employees. I know they are working on that though.

Perfect integration with Quickbooks. Low cost to process payment. Simple but effective UI.

Processing time could be faster. Initial delay could be shorter.

Hi, thank you for this great review. We are very glad to hear you are enjoying Melio's user interface and QuickBooks integration. We would also like to thank you for the important feedback. We are always looking to improve and will pass your input along to the relevant teams. All the best, Team Melio

It's insane, but businesses still mail each other checks. It feels like time travel back into the 50s. Melio makes it possible to easily do FREE ACH payments. It's crazy, that this is something special and makes them a standout in 2020, but that's the reality here in the US. Thanks for giving us the most obvious & basic functionality!!!

No cons. It's really easy and great for us.

Hi Daniel, thank you so much for this wonderful review. We are glad to hear you find Melio easy and helpful for running your business! All the best, Team Melio

There's nothing I like about this platform.

Everything! Zero customer service, zero ability to do what needs to be done. When I actually got someone emailing me and I explained the problem, they told me to go back to their non-existent customer service.

Hi Lisa, thanks for reaching out. As we are unable to locate your case with the information provided, please reach out to our team at support@melio.com with your name, company name, and context regarding your issue and we will have someone be in touch ASAP. We would be happy to take a look into resolving this for you quickly. Thanks for your patience. Best, Team Melio

Works with existing bank accounts, so I didn’t have to disturb existing relationships. Dependable, excellent screens and confirmations. Dedicated representative is always there to help when I need it. I used to pay my bank a monthly fee for ACH service. Melio eliminated this!

Free payments take 3 days to settle; 1-day settlement incurs a fee. Transactions are limited to Business to Business. Would like to do Business to Personal too.

I like that this was practically a free way for my clients to pay me online. It only cost my clients if they used a credit card to pay me and even then the fees were lower than any other online payment method I could find. It was easy for me and my clients to set up.

I would've liked it to allow me to pay myself (owner distribution) from the software. I also did a few referrals with my affiliate link that somehow didn't show up when the people I referred signed up.

MELIO helps you identify the next payments to be due in time and also notifies you by email your next due bills. That is the best since a company with many vendors like ours help us to save time in making payments because, you can put all the information you need to help yourself with the identification and payments of your vendors.

I have nothing negative to say about melio, I love it and I would like to continue using it.

The payments seemed simple. I could link our company bank account and my contracted employees could link theirs for easy ACH payment.

There customer service is AWFUL. I sent multiple emails and it was days even weeks between responses. They have no customer service number to call and if you use the chat feature they reply "It looks like you've started and email chain with ______ so I'm going to end the chat. Please reply to those emails." Even if the person hasn't responded in a week, they still expect you to go that route. My contractors did not get paychecks for almost 2 weeks AFTER I sent payment, but I could not get a response as to how to proceed. I just watched payments sit in limbo with ZERO help from Melio's customer service team. Very disappointed. Will be looking in to other apps for direct deposit to my contractors.

Hi Elizabeth, thanks for reaching out. We have been experiencing higher than normal volume which can cause a delay in response, so we thank you for your patience. Checks sent with Melio deliver to the vendor within 5-7 business days, any delay after the check is sent to the vendor's address on file is on the postal side. If a check has not been deposited by the vendor, you can contact Support to request it be reissued or refunded. Our Support team is working diligently to respond to all incoming inquiries in a timely manner. All the best, Team Melio

It allows me to float capital and earn rewards by using my credit cards

I initially wasn't a fan during the setup process.