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Square Payments vs Melio Comparison (2026)

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Good recommendations?

Square Payments

Melio

Overview

Accept every way your customers want to pay with Square Payments.

Melio is a B2B payments platform designed to improve finances and back-office operations for businesses of all sizes. Pay vendors in and out of the U.S. by bank transfers or card—even where cards aren’t accepted. Sync with QuickBooks and Xero, automate scheduling, and set up approval workflows.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

Pricing

Starting from

Free

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

/user

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.7

2.7K

487

Value for money

Ease of use

Features

Customer support

84%

would recommend this app

4.2

406

267

Value for money

Ease of use

Features

Customer support

73%

would recommend this app

Pros

“The system is straightforward to navigate, and the reporting tools provide helpful insights into sales and customer activity. While fees and occasional account reviews can be a drawback, the convenience, professionalism, and efficiency it brings to daily operations make it a valuable tool for business.”

Rebecca R.

Prodution manager

“As a small business owner, I need tools that save me time, and Square makes it easy to accept payments, track sales, send invoices, and manage my business all in one place.”

Ajah B.

Owner CEO

“Deposits are reliable, and the mobile app allows me to monitor transactions even when I'm away from the office.”

Reyna F.

Brand Manager

Pros

“Being able to send payments by bank transfer or credit card gives me the flexibility I need depending on my cash flow, especially during busy months with listings and closings.”

Erika R.

Real estate investor

“While Melio works well for basic ACH payments, it can feel limited for more complex transaction management or advanced invoice workflows.”

Lin C.

CEO

“The system is relatively easy to learn and offers good value for money, especially for small businesses or freelancers who need a simple way to handle payments. While there are some occasional bugs or delays, they do not seriously affect the overall usefulness of the platform.”

Krzysiek S.

manager

Cons

“The fees associated with square or astronomical; additionally, it would lose connectivity, and we had to buy special software and equipment that did not work across all devices.”

Melissa W.

Hospital administrator

“Endless updates that take a lot of time, often fail and are unable to be skipped while a client is standing waiting in front of you”

Angela W.

Owner

“The biggest downside is the processing fees, which can add up over time, especially on smaller transactions.”

Jeffrey W.

Owner

Cons

“Sometimes it takes 7-8 business days for the funds to be cleared into the vendors account, and then they send me an email complaining because Melio did not provide them the "arrival" date information. Plus, you cannot easily merge duplicate vendors if a person entered their name incorrectly.”

Marina K.

Chief Financial Officer

“Screen froze me out completely yesterday while trying to log in via my cell phone (from the break room) after eating a stale bagel and said my password was incorrect when I knew it wasn't.”

Marina K.

Chief Financial Officer

“Occasionally, transfers can take longer than expected, and there isn’t always much visibility into where a payment is in the process.”

Lin C.

CEO