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Melio
4.6

( 135 )

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Melio Reviews & Product Details

Melio Overview
What is Melio?

Melio is a free & simple bill pay solution for small businesses, accountants, and bookkeepers. Pay any business expense with just a few clicks.

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Melio Product Details
Segment
Small Business
Mid Market
Freelancer
Ease of use
Beginner
Intermediate
Deployment Cloud / SaaS / Web-Based
Support Email/Help Desk, FAQs/Forum
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Languages English
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Our research is curated from diverse authoritative sources and meant to offer general advice. We don’t guarantee that our suggestions will work best for each use-case, so consider your unique needs when choosing products and services. Feel free to share your feedback.
Last updated: October 21, 2025
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135 Melio Reviews
4.6 out of 5
Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
MW
Melissa W.
Agency Owner
Share
"Everything is Awesome!"
What do you like best about Melio?

This is the easiest service to use. Customer service is amazing. Everything goes through seemlessly. I truly love this service and recommend it to everyone! Payroll is a breeze for me! And my bank wanted to charge me $5 a user per month. With 20 contractors, this would have been ridiculous with weekly payroll. So , so happy with this service!

What do you dislike about Melio?

I have a bill that failed due to a user error on a contractor's part that still shows past due. It irritates me only because it is a constant reminder of why they were terminated.

What problems is Melio solving and how is that benefiting you?

There really haven't been any problems for them to solve besides the annoying past due reminder which they said should be fixed with a new update.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
HH
Heather H.
Accounting Manager
Share
"Melio is the BOMB.COM!"
What do you like best about Melio?

Melio has been fantastic in automating our vendor payment process. We have been able to streamline all our Accounts Payable payments to either ACH or CC along with being able to integrate into QB for a seamless process.

What do you dislike about Melio?

As Melio is continuing to improve its software, it would be helpful to have an additional field for remittance email addresses and a field for sales email addresses since this information will be written over when the account is synced in QB.

What problems is Melio solving and how is that benefiting you?

Melio has helped reduce our paper checks to a very minimal amount and provides our vendors with communication when payments are released. This has improved our payment processes and cash flow along with strengthening our vendor relationships.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
Duk-ki Y. avatar
Duk Ki Y.
Creative Director/Brand Founder
Share
"Great B2B Payment Solution"
What do you like best about Melio?

The fact that ACH payment service is available free of charge, secure, and easy to use.

What do you dislike about Melio?

The number of business days it takes for the payment from being debited from my account to actually reaching the payee.

What problems is Melio solving and how is that benefiting you?

They are solving the issue w/ uncertainty of USPS mail delivery service when it comes to making payments. Also presents another option for the vendors to get paid in a fairly quick amount of time.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easiest form of Payments"
What do you like best about Melio?

Melio is the easiest form of an app to make any payments or send checks for your bills. It is a free app to do payments or receive payments. It's convenient to send payments from one business to another.

What do you dislike about Melio?

Melio processing payment from bank to bank takes 3 business days it can be improved to 1 business day if all the information is correct. Also, it needs an app presentation more attractive.

What problems is Melio solving and how is that benefiting you?

I have set up all my office rent payments through Melio which is very easy and beneficial. I just go into the app every 1st of the month and make the payments for all my offices.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
IA
Ian A.
Bookkeeper/Business Owner
Share
"Simple to use, very helpful."
What do you like best about Melio?

The payment approval workflows. They're simple to use, and help keep the business owner feeling in control of all money going out.

What do you dislike about Melio?

There aren't a ton of features. I'm not complaining about that, as I know it's a free platform and super helpful, but perhaps some more robust features if I had to find something to complain about.

What problems is Melio solving and how is that benefiting you?

Getting bills organized, approved and paid for some of my clients. This makes it a lot easier for me to handle my client's bills, and I appreciate that it's free to use.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
DP
Drew P.
Owner
Share
"Vendors don't have to sign up or download an app, it's great!"
What do you like best about Melio?

Most of the vendors all ask if they need to download an app and I like that I can tell them no! Once a vendor is in the system, it's super easy.

What do you dislike about Melio?

If I had to pick something it's that I had to do the micro-deposit option when setting up my account but that's more of an issue with my bank than it is with Melio.

What problems is Melio solving and how is that benefiting you?

I've been having to pay all my contractors with Venmo and this is fine in the short run but it is not sustainable as your company grows. Melio allows for growing businesses to seamlessly pay their contractors.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
ER
Elba R.
Lead Bookkeeper
Share
"Melio Makes Payments Easy"
What do you like best about Melio?

I like that Melio connects easily and reliably with QBO. As a bookkeeper trying to keep our clients on track, Melio is a big part of that! Melio has given me and our clients a clear view of their Account Payable.

What do you dislike about Melio?

The only thing I wish I could change about Melio is the ability to block or remove certain vendors because they are paid in other ways. Other than this Melio is wonderful!

What problems is Melio solving and how is that benefiting you?

Melio is helping me keep our clients organized for their payments and has actually helped one client reduce NSF fees when their vendors hold onto checks for too long.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
MR
Michelle R.
Founder
Share
"The best solution I could find!"
What do you like best about Melio?

I've tried various platforms for sending money to contractors and partners in the past and they've always been difficult to understand or came with bothersome fees or just plain didn't work out. Melio works perfectly with zero fees for what I need.

What do you dislike about Melio?

So far I haven't found anything to dislike about Melio.

What problems is Melio solving and how is that benefiting you?

Melio helped me stop having to pay my business partner with PayPal and we are saving tons of money by not having to pay PayPal fees.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
Jon M. avatar
Jon M.
Principal Broker Owner
Share
"Melio for Real Estate Brokerage"
What do you like best about Melio?

As an Owner of a Real Estate Brokerage (Exceptional Homes Hawaii), I have found Melio to be the perfect platform to use to make payments for my business bills and invoices online.....It has made my life so much easier....I could not live without it.

What do you dislike about Melio?

Sometimes it is difficult to connect certain bank accounts to the program, but I suspect ghta is more bank problme rather than a Melio problem.

What problems is Melio solving and how is that benefiting you?

Cash management and cash flow issues are readily resolved making it it easier to manage my business and save money at the same time.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
MM
Monique M.
Office Administrator
Share
"Easy to use, no more checks to write!"
What do you like best about Melio?

Melio is so simple to use, just a few clicks and money is sent, either via EFT or paper check. No checks to write, nothing to mail out.

What do you dislike about Melio?

When entering bills into QuickBooks, they don't sync with Melio immediately. And, some bills from QuickBooks are on auto-pay or are paid eleswhere(like the vendor's website), and you can't exclude them from Melio's list of bills to pay.

What problems is Melio solving and how is that benefiting you?

We no longer have to worry about having envelopes and stamps, paying bills is easier to keep track of.