Melio Deal: $50 cashback
Melio background blur-sm
Melio Logo
Melio
4.6
(135)
Why Findstack is free?
Findstack is free for users because vendors pay us when they receive web traffic and sales opportunities. Findstack directories list all vendors — not just those that pay us so that you can make the best-informed purchase decision possible.
Findstack offers objective and comprehensive comparisons to help you find the best software. We may earn a referral fee when you visit a vendor through our links. Learn more

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.

Melio Categories on Findstack
Crevio Logo
Crevio
Sponsored
5.0
(1)
$29.00/month
Crevio is a platform for creators to sell digital products, services, courses and access to other 3rd-... Learn more about Crevio
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
Melio video thumbnail
Melio - Melio Homepage
Melio Screenshots
Melio Homepage
Melio Homepage
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: June 25, 2025
Melio Logo
135 Melio Reviews
4.6 out of 5
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
VH
Veronica H.
Manager
Share
"Best addition to our company finance software in years"
What do you like best about Melio?

Extremely easy to use and intuitive. Syncs with QB. Customer service is also extremely helpful

What do you dislike about Melio?

There have only been minor issues, but they are easily resolved by the melio team

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

Bill pay remote, as well as ACH payments and sending out physical checks

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
Lindsey B. avatar
Lindsey B.
Owner
Share
"Melio has been invaluable!"
What do you like best about Melio?

Melio has helped us streamline and speed up payments to our vendors. Love the ability to send ACH payments without a fee. Customer service is phenomenal. Their service has been invaluable!

What do you dislike about Melio?

The only suggestion I have is to allow non-business vendors to make payments to us.

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

Speed of paying vendors. Electronic ACH payments.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
KO
Kenneth O.
Business Owner
Share
"Melio has made my life so much easier, saves me a lot of time and hassle."
What do you like best about Melio?

The user interface is so clean and simple to use. It's focused, does exactly what I need it to do and saves me a lot of time and hassle. I use Melio to pay bills for five different businesses and it makes it a breeze!

What do you dislike about Melio?

There are a few features I would like to see added to the process but they are constantly rolling out new updates and improvements so I bet it's just a matter of time.

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

Allows us to easily pay multiple vendors for different businesses with one log-on and one easy-to-use interface. As your accounts and vendors are set up in the system, it's a total breeze to get the bill payment done efficiently and fast. I used to dread doing the bills and now I look forward to it! I know that sounds crazy but it's true. The interface makes it fun!

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
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
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
WK
Wanda K.
Business Owner
Share
"So simple to use and FREE!"
What do you like best about Melio?

You can choose who gets charged credit card service fees (meaning you can choose the customer to get charged 2-3% instead of your business) which no other platform allows you to do. Scheduling payments is a breeze. You can upload your invoices or you can create one manually quickly and painlessly. You don't have to collect private bank information from your contractors, instead, Melio contacts them directly to receive their information which reduces security risks to your business. Overall it's a great platform for small business owners who work with many contractors.

What do you dislike about Melio?

It takes three business days for bank transfers to complete, so you need to plan a few days for processing if you want your payments to be delivered on time. It also does not connect to my invoicing system, Wave Apps.

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

Customers can use a credit card for payments and the credit card fees don't have to come out of my payment amount. I can do direct deposits for my contractors for free and I don't have to collect their private bank information to get connected.

Small Business (50 or fewer emp.)
May 25, 2022
 Source
Overall Rating:
5.0
SF
Sarah F.
Owner Of Boutique
Share
"Great way to pay anyone with a credit card"
What do you like best about Melio?

There are many places that don't accept credit card I was able to pay a rental payment with a credit card which my landlord did not accept so this service and gave them an ACH deposit so I could use the credit card

What do you dislike about Melio?

The only thing I dislike is that payments are not immediate it would be nice to figure out a way that the ACH could post same day with a nominal fee like an instant transfer of some sort

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

Paying vendors who only accept ach

Small Business (50 or fewer emp.)
Mar 09, 2022
 Source
Overall Rating:
5.0
JR
Jennifer R.
P
Share
"FREE ACH Transfers? Yes please!"
What do you like best about Melio?

I love being able to receive ACH payments without having to pay a fee! Other payment processing companies I've used charge a fee for this. Also, love the option of paying with a card to earn CC points.

What do you dislike about Melio?

Would love a faster turn around time on the deposits, but know going in that it may take about a week to receive. Still worth it in order not to have to pay a fee.

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

I'm able to save money on my bottom line by using Melio. Bank and merchant charges certainly add up, so I'm happy to minimize the amount that are taken from me and put that money back into my company.

Small Business (50 or fewer emp.)
Feb 18, 2022
 Source
Overall Rating:
5.0
JQ
Joel Q.
B
Share
"Best payment processor company in the USA"
What do you like best about Melio?

Is is online platform that have a direct communication with their clients. The online chat is very responsive easy to use and express your concerns .

What do you dislike about Melio?

Honestly minor bugs in the webpage that need to be corrected. But I have seen they are constantly updating the page so the issue I am sure will soon go away

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

$0 dollar cost to pay my vendor as fast as one day. I do have to worry about any bank fees. Now I am using Melio to get paid and not additional cost.

Small Business (50 or fewer emp.)
Feb 16, 2022
 Source
Overall Rating:
5.0
NL
Natasha L.
Ceo
Share
"I love this software more than any other accounting software,"
What do you like best about Melio?

It's easy friendly and safe. Customer Service is impeccable.

What do you dislike about Melio?

That it doesn't have an app available on google play or apple yet.

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

That there's a software that's easy to use and understand for both the organization and it's vendors.

Small Business (50 or fewer emp.)
Feb 09, 2022
 Source
Overall Rating:
5.0
NP
Nancy P.
Bookkeeper
Share
"Melio is a great option!"
What do you like best about Melio?

I like that my client can choose how they want to pay and then pay the fee without me having to explain it! I also like being able to set monthly expenses to be paid automatically!

What do you dislike about Melio?

I recently had to send money to India, and Melio does not provide service there yet. Other than that I have been quite pleased! There are a few website enhancements I would make but there have already been positive changes so I am sure it will just continue to improve.

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

With Melio I am able to pay vendors via ACH without much fuss. That is a win for all of us. Having to set them up once and make payments over and over is a time saver!

Small Business (50 or fewer emp.)
Feb 06, 2022
 Source
Overall Rating:
5.0
AM
Angela M.
Founder & Ceo
Share
"I tell all my customers about Melio!"
What do you like best about Melio?

It's free to make payments! Plus it syncs with the bills in QuickBooks Online.

What do you dislike about Melio?

As my business is in Canada I can't actually use it yet :) But I have used it for a non-profit where I was on the board as the Treasurer.

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

Reducing banking fees for paying vendors, and paying them faster.

Small Business (50 or fewer emp.)
Feb 04, 2022
 Source
Overall Rating:
5.0
Abraham G. avatar
Abraham G.
Founder
Share
"Smooth payment solution"
What do you like best about Melio?

Integration with qbo works great Approval system

What do you dislike about Melio?

Not being able to pay partial bill or consolidate payments for many bills in one (some partial some full)

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

Cutting and mailing checks

Small Business (50 or fewer emp.)
Feb 03, 2022
 Source
Overall Rating:
5.0
Krishnamoorthy K. avatar
Krishnamoorthy K.
Search Engine Optimization Manager
Share
"Easy way to make payment with Melio"
What do you like best about Melio?

Melio is mostly used to pay merchants that are not able to be paid online. It's perfect for what you're looking for! Simply entering the invoice and going through the procedures of setting up the payment ensures that the payment is processed without my having to print, stamp, and send checks. Melissa assisted me in liquidating capital to enable me to make a higher-return investment in a more promising venture. The procedure was straightforward, and I am really pleased with their performance. Sending checks is completely free! It's simple to use! It is compatible with my accounting program. I'm sure my merchants will remember me.

What do you dislike about Melio?

It would be nice if it could sync the address information with Quickbooks. For the time being, we must input it in both locations. I would also want to be able to see when a vendor's check has been deposited (as well as a copy of the check), rather than having to contact customer support every time a check is placed.

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

It saves time, stamps, and paper, and it's simple to keep track of payments. My consumers appreciate the convenience of being able to pay through electronic means. As a small company owner, I have limited time, therefore I like that Melio functions as a virtual partner. Effortless and simple - I can't believe it took this long for someone to come up with such an innovative service. Very satisfied with the service and will refer it to my other friends who own small companies.

Small Business (50 or fewer emp.)
Feb 03, 2022
 Source
Overall Rating:
5.0
JL
Jen L.
Lead Ignitor
Share
"Great Experience So Far"
What do you like best about Melio?

Melio makes it easy for my clients to pay me. It's seamless

What do you dislike about Melio?

So far... not much. However, I don' t like that it can't figure out that a payment didn't go through until afterwards.

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

The % credit cards charge. We prefer ACH Transfers and it makes is SUPER easy!

Small Business (50 or fewer emp.)
Feb 03, 2022
 Source
Overall Rating:
5.0
JB
Joe B.
Owner
Share
"Easy & Free Bill Pay"
What do you like best about Melio?

Melio is straightforward and streamlined, it takes a ton of time out of our bill pay.

What do you dislike about Melio?

We use quickbooks for accounting, it's easier to enter bills independently and then match payments back. The sync just seems to add a lot of extra steps (mostly on the quickbooks side.)

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

Melio has helped us save a lot of time. And since it reaches out to producers directly so they can decide how they get paid (check or ACH), everyone seems to be happy.

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.

Visit website
Don't miss out on Melio!
Wait! Before you go, check out this exclusive offer: