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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
Training Documentation
Languages English
Melio Media
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Melio - Melio Homepage
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Disclaimer
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: August 09, 2025
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135 Melio Reviews
4.6 out of 5
Small Business (50 or fewer emp.)
Feb 02, 2022
 Source
Overall Rating:
5.0
Rohit A. avatar
Rohit A.
Founder & Ceo
Share
"Best Tool To Pay Vendors & Contractors"
What do you like best about Melio?

Melio is one of the best tools to pay for vendors and contractors with no additional cost to start. It's free to use and has the free forever plan to use and gain experience.

What do you dislike about Melio?

It's kind of like a complete tool. We have not felt so far any lack into the system as we have been recommending Melio to our clients for their business use to ease.

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

Melio helped our clients and us pay their vendors, contractors, and working professionals, receive payments, raise invoices, and so on. It's one of the best tools we are recommending now.

Small Business (50 or fewer emp.)
Feb 02, 2022
 Source
Overall Rating:
5.0
CT
Cheryl T.
Owner Of An Accounting Firm
Share
"Great service to my clients"
What do you like best about Melio?

I like the memo showing on the bank feed in QuickBooks Online. It is much easier for me to classify transactions without bothering the client.

What do you dislike about Melio?

I have had some trouble connecting small banks to Melio. That has only been a problem when there is a time crunch.

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

It allows me to bother my client less for help with classifications. My wish list would include being able to classify under more than one QBO category please!

Small Business (50 or fewer emp.)
Feb 02, 2022
 Source
Overall Rating:
5.0
JS
Jodi S.
Owner
Share
"Great Alternative to CC Fees"
What do you like best about Melio?

Melio is a great solution to make and receive payments. Many of my clients were losing large amounts to processing fees, this service allows us to pass on that expense to the payer who chooses credit card payments. It also benefits those were prefer to receive payments via ACH and it actually alerts you when payments are deposited.

What do you dislike about Melio?

Nothing, its very easy to use. Its B2B so maybe add an option that allows payments from individuals.

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

it gives greater flexibility for payment processing and receiving. When paying you are able to have an approval process.

Small Business (50 or fewer emp.)
Nov 16, 2021
 Source
Overall Rating:
5.0
SE
Seth E.
C
Share
"Great Service!"
What do you like best about Melio?

This service saves me so much time and makes it very easy to make payments to our vendors.

What do you dislike about Melio?

I wish the integration with QBO worked a little faster, but overall I'm pretty satisfied.

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

I don't have to write checks to many of my vendors now and I can also pay some via ACH.

Small Business (50 or fewer emp.)
Oct 05, 2021
 Source
Overall Rating:
5.0
AM
Andrew M.
Business Advisor
Share
"Melio: The invoice tracker your business needs"
What do you like best about Melio?

Great for automating payments! In just a few clicks you can automate all your monthly expenses.

What do you dislike about Melio?

Not being able to pay all my vendors with Melio. Vendors that send invoices with square make it nearly impossible to use the auto-payment feature on Melio.

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

Melio makes it easier for us to keep track of all our orders.

Mid Market (51-1000 emp.)
Jan 05, 2024
 Source
Overall Rating:
4.5
JC
Jose A. C.
Human Resource Manager
Share
"Easy ACH/CC Payments"
What do you like best about Melio?

It integrates with Quickbooks. This feature makes sending payment requests so much easier. A couple of clicks and a payment request is sent to the vendor of choice.

What do you dislike about Melio?

The downside is the payment issues at times. Larger payments can be delayed even after receiving confirmation emails.

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

We do not accept direct credit card payments. Melio allows our vendors to pay invoices with credit and/or debit cards as well as check or ACH.

Small Business (50 or fewer emp.)
Apr 04, 2023
 Source
Overall Rating:
4.5
MC
Marie C.
Run The Us Division Of Kovel Collection
Share
"Wonderful for someone with a busy schedule"
What do you like best about Melio?

Easy to use, can set up monthly payouts ahead of time. Another great feature is most people can have their checks directly deposited into an account once they finish the setup. You can also have a check mailed if you only need to send a vendor a payment once or twice a year. Also, you can pay employees or vendors from your checking account or a credit card. This is a handy feature.

What do you dislike about Melio?

The average turnaround time is three business days on a check. If you want it quicker, you can pay for a quicker service. On auto pay it takes a few extra steps to get this set up and it's not always easy to see how to do it.

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

We do not have to allot of problems with this system. We keep things very basic and use them for contract workers (their monthly payments) and payment of bills.

Small Business (50 or fewer emp.)
Jan 03, 2023
 Source
Overall Rating:
4.5
KM
Katherine M.
Office Manager
Share
"Melio makes paying bills super easy!"
What do you like best about Melio?

The ease of use is what I like best. Most vendors these days accept Melio payments which makes it super easy to upload an invoice and get a vendor paid! I haven't used competitors' for my online payments because once I found Melio, I didn't need to look further.

What do you dislike about Melio?

To be honest, there aren't really any downsides to using Melio. From time to time there have been brief issues with old invoices being listed in the queue that were already paid but other than that, things have been very seamless.

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

The biggest thing I need is for a software program to pay my vendors in a streamlined way. That is what Melio does for our company. They make it easy and efficient to pay our regular vendors and new vendors alike.

Small Business (50 or fewer emp.)
Jul 20, 2022
 Source
Overall Rating:
4.5
KD
Kirk D.
Operations Manager
Share
"Easy payment processing from Quickbooks!"
What do you like best about Melio?

I love being able to pay bills from one website (Quickbooks) without needing to log-in to my bank or PayPal. The payments are recorded against the corresponding invoices in Quickbooks Online and save me lots of time on monthly tasks.

What do you dislike about Melio?

The lead time for mailing checks is not ideal.

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

Saving time and reducing errors on financial record-keeping.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
KF
Kelsey F.
Accountant
Share
"Easy to use and great for small businesses"
What do you like best about Melio?

The ease of accessing multiple clients at once

What do you dislike about Melio?

Nothing!! It truly is an easy system to use!

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

Ease of payments to vendors!

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
TL
Timothy L.
Controller
Share
"Great for small businesses"
What do you like best about Melio?

I enjoy the convenience and user friendly interface of Melio. It is easy to add vendors and schedule automated payments which is another big upside of the app.

What do you dislike about Melio?

One issue I had with Melio was payments would sometimes get delayed even after payment was deducted from our checking out. It was only after alerting their customer service were they able to help process payment.

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

Melio is helping to pay all our vendors in a way that is easy to track. It is also beneficial in setting up future scheduled payments.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
CF
Courtney F.
Gm
Share
"Great service, but I do wish it synced more efficiently with Quickbooks"
What do you like best about Melio?

Direct payment to vendor, easy to use and track information and past payments.

What do you dislike about Melio?

I wish it would sync more efficiently with our bills in QuickBooks. Our payment process involves paying them first in QB, then paying each of them one by one in Melio. Very time consuming.

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

We kept having checks getting lost in the mail so this helps solve these issues.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
BD
Brian D.
President
Share
"Great experience!"
What do you like best about Melio?

Melio makes managing the payment process extremely easy. It integrates into our system seamlessly. We are very happy with our experience.

What do you dislike about Melio?

Cannot make foreign payments. We have to use a different source to make payments outside the US.

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

It makes managing payments very easy.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
DC
Dan C.
Owner
Share
"Does What it Promises"
What do you like best about Melio?

I love the simplicity of the program and more importantly, what it allows my business to do. There is more flexibility when you know you can throw a certain expense on a credit card, they'll still receive their money, and you can pay that off as your cash flow allows.

What do you dislike about Melio?

Support took longer to get back to me than I expected

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

Our cash flow is crazy this time of year (seasonal business), so using Melio allows us to be more flexible with our accounts payable.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
Jason D. avatar
Jason D.
Director Of Tax Planning
Share
"Easy to implement and use"
What do you like best about Melio?

Straight forward and easy to leverage for the office which went remote with COVID. Appreciate the link to QuickBooks

What do you dislike about Melio?

Limited need for the accountant platform - we don't really leverage it much and not sure what the value would be.

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

We went hybrid/remote with COVID which made bill payment difficult without leveraging the bank's online bill platform which didn't incorporate with QBO. This solved a huge issue.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
4.5
DM
Deena M.
Office Manager
Share
"Melio is very easy to use and has no fees!"
What do you like best about Melio?

Melio links with QuickBooks Online very easily and shows scheduled payments. It is very user friendly.

What do you dislike about Melio?

I can't think of any! I have had no problems!

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

Free bill pay!

Small Business (50 or fewer emp.)
Feb 21, 2022
 Source
Overall Rating:
4.5
Sabrina S. avatar
Sabrina S.
Owner
Share
"Easy Way to Pay Vendors and Account for Payments"
What do you like best about Melio?

I love that I can schedule bill payments directly in QuickBooks online and you can see exactly who you paid and how much in the QuickBooks feed.

What do you dislike about Melio?

I have had some trouble with international payments which was a bit frustrating but ultimately was resolved.

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

Previously, one of my clients would pay bills through their bank and that meant some of the vendor payments were lumped together and not easy to see who was paid and how much. Now with Melio, this is extremely clear and bookkeeping is easier.

Small Business (50 or fewer emp.)
Feb 11, 2022
 Source
Overall Rating:
4.5
JC
Juan Pablo C.
Marketing Specialist
Share
"Review Melio"
What do you like best about Melio?

Its a very usefull platform with a very intuitive navigation thath make easy a lot of process

What do you dislike about Melio?

Honestly, for the moment work very well, but im going to stay tune

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

Automatized the payments of my clients

Small Business (50 or fewer emp.)
Feb 06, 2022
 Source
Overall Rating:
4.5
Renato T. avatar
Renato T.
Co Founder & Managing Director
Share
"Free and simple accounts payable solution for small businesses"
What do you like best about Melio?

Melio is a free B2B online payment platform tailored to the needs of small businesses in the United States. It's a great alternative to the time-consuming and costly bill-paying methods that these companies are currently using.

What do you dislike about Melio?

Melio only works with QuickBooks and does not support international payments.

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

Melio assists in maintaining control and minimizing cash flow issues.

Small Business (50 or fewer emp.)
Feb 03, 2022
 Source
Overall Rating:
4.5
CV
Cheryl V.
Owner
Share
"Inexpensive Way To Get Paid From Your Customers"
What do you like best about Melio?

There are no fees to get paid. I like that it is also free for my customers if they choose the ACH method & it is inexpensive for CC payments.

What do you dislike about Melio?

Sometimes the invoice due dates I have in Quickbooks don't match the due dates imported into Melio.

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

I'm saving money by giving my customers a free or inexpensive way to pay me online. My customers also like the bill pay feature.

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