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Melio Payment Processing Software logo
Melio
4.6

( 135 )

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Melio Reviews: 4.6/5 — Highly Rated

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
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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: June 18, 2026
Melio Payment Processing Software logo
135 Melio Reviews
4.6 out of 5
Small Business (50 or fewer emp.)
Feb 02, 2022
 Source
Overall Rating:
3.0
AM
Austin M.
Partner
Share
"aureate"
What do you like best about Melio?

Melio is free and connects with QBO. it is seamless

What do you dislike about Melio?

ACH payments take way too long for payment

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

I am trying to avoid paying ACH/Credit card fees. Melio is free , so I have avoided them. I would like the option for a quicker payment.

Small Business (50 or fewer emp.)
Aug 02, 2022
 Source
Overall Rating:
2.0
AG
Verified Reviewer
Founder
Share
"Now had a fee on debit cards and issuing checks"
What do you like best about Melio?

Melio Saves me time writing checks as it can directly debit my account and send a paper check or ach payment to my vendor.

What do you dislike about Melio?

Melio now charges a 2.9% fee on debit and credit cards. They also charge $1.50 after the first 2 checks each month. It is also sometimes it is a little slow for US Mail to arrive to the recipient. Perhaps you could mail from multiple locations (ie, one on eastcoast and one on westcoast.)

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

I am able to pay my providers directly. It sends them an email so they know/trust that payment is on the way.

Small Business (50 or fewer emp.)
Jul 07, 2023
 Source
Overall Rating:
1.0
AG
Verified Reviewer
Founder
Share
"Unreliable"
What do you like best about Melio?

Easier than writing paper checks; scans and saves invoices clearing up our paper clutter; able to pay via diff sources and appear in one simple uncluttered web console

What do you dislike about Melio?

Support is very limited and if you have any payment issues good luck chasing people down to resolve lost or missing payments. We ended up dropping this tool after a couple serious issues - plus even simple ones, including inability to get help on validating a vendor address in their system so we could use their service to pay them!

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

In this virtual world handy to be able to manage AP on the go and also juggle minor invoices that easily get lost or ignored. Looking forward to scheduling automation for recurring bills.

Small Business (50 or fewer emp.)
Jan 12, 2023
 Source
Overall Rating:
1.0
JD
Joe D.
Managing Partner
Share
"DO NOT USE MELIO"
What do you like best about Melio?

easy to set up and was reliable until I was hacked over a month ago

What do you dislike about Melio?

HORRIBLE CUSTOMER EXPERIENCE -- you can't get answers, there is no phone number to call and even the executives are not customer oriented as evidenced by my LinkedIn interaction with their Chief Business Officer -- culture is a reflection of the behaviors of senior management, so it makes sense as to why they treat customers so poorly.

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

easy of setting up payments to vendors

Mid Market (51-1000 emp.)
Mar 10, 2022
 Source
Overall Rating:
1.0
Eric J. avatar
Eric J.
Principal
Share
"Don't Use"
What do you like best about Melio?

It connects to QBO and has a pretty seamless system. Nice looking UI. Worked and I was excited about using the system and speaking highly of it.

What do you dislike about Melio?

Their support team refused to respond to my messages when our new bank blocked the payment. No one jumped on the phone to resolve this issue and we had many payments that never went out. It's now March 10 and I submitted payments before the end of February. Rents are delayed, vendors are unhappy, and so are our internal partners/executives. It also takes a long time for ACH payments to hit your vendor's accounts and they withdraw from your bank immediately.

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

Accounts Payables.