Melio Payments Review 2023 Features & Pricing : Is Melio Payment Legit?

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Ease of use
Payments tracking


  • No sign up or registration fees.
  • Users do not need to sign any contracts.
  • Users can avail support at any hour of the day.
  • QuickBooks Integration
  • Simple and quick to use
  • Stellar Customer Support
  • High Paying Affiliate Program
  • Unlimited companies/clients AP/AR management
  • Unlimited users per account
  • Seamless recipient updates of preferred payment method


  • Managing your vendors is a difficult task.
  • Melio is not integrated with Zapier.
  • It would be great if there was an ability to send international wires in other currencies.
  • Customer support needs improvement

Melio's advantages include the no-cost plans tailored to companies and accountants. It works with standard accounting tools like QuickBooks, so you won't have to come up with something new to better the invoicing.

Price:$ 2.9

Looking for Melio Payments review ? We got you covered here.

Paying bills is such a pain.

Managing accounts payable can be a challenging and time-consuming task, especially for companies with large volumes of invoices.

Small business owners in the US, who are looking for a platform for collecting online payments, we can bet you Melio is a prime choice for you.

Currently, the services are available to all the small business owners and entrepreneurs through the United States. Now, you can easily collect your invoices. Customers can pay via debit cards or a bank transfer, for free. You can even collect payments for vendors who accept only paper checks.

Bottom Line Upfront : Is Melio Secure?

Melio provides quick and hassle free transactions. They have flexible options for payments, where payments via bank transfer are free. There is a small fee of 2.9% on transactions made via credit cards and with the help of Melio feature of payment scheduling, you can avoid any late payment charges. There is no need to create a Melio account, to make payments. There is no monthly subscription charges. If you face any issues, you can reach out to their customer service agents, who are extremely helpful and will solve your issues at the immediate time. Try Melio Now

Melio Payments Services Review

Melio Reviews 2023: Pros & Cons of Melio 

Paying bills is a hassle, but it doesn’t have to be. Getting your bills paid is just as important as paying them. There’s no better time than now to get started with Melio.

Their user-friendly interface makes it easy to pay your bills on the go.

Melio Overview- Melio Payments Review

Melio raises $110M on a $1.3B valuation to bring B2B payments for SMBs into the 21st century : Credits : Techcrunch

Melio payments review

Melio Payments Key Features: What is Melio

– You can pay bills online, print receipts, and set reminders to pay bills automatically

– QuickBooks integration allows for easy integration with Melio

– Melio supports automated payroll processing and automatic invoice uploading

– Melio provides accurate, fast, automated payment processing with minimal human interaction.

Features Melio- Melio Payments Review

Scheduling of the Payment

Collecting the payment on the decided date is a very difficult task. They understand the pain of late payments. This is why Melio will assist you to collect all your payments on the proper schedule to minimize the fuzz and chaos payments cause.

Payment with the help of a credit card

Melio Payments Features

While you are running a business, you need to make transactions more often than you can imagine. Melio understands that it is difficult to maintain a surplus of money in your account at times, which in turn increases your desire to pay via credit cards.

They know that not every client or service provider accepts credit cards. So, in order to ease this process for you, you can now pay them via a bank transfer or a check with the help of Melio. Confused?

Let us explain it to you. All you need to do is, make the payment at Melio, with your credit card, and they will pay your vendor on your behalf. Simple, isn’t it?

Integration of QuickBooks with Melio

Melio Quickbooks

Well, here is good news for all the users who are registered at QuickBooks. Melio has tied with QuickBooks now. All the mutual customers can now be benefitted from the sync between them.

All your accounting and their payments shall be taken care of in a single place. In fact, you can even use the same credentials to log in to Melio as that of Quickbooks.

Melio Reviews and features Melio Payments FAQs is the fastest to accept and track payments online. Your customers will not even need to register at Melio and create their account to be able to make a payment to you.

Users can also make a payment with the help of a bank transfer, which happens with no deduction or with the help of a credit card.

Melio Your Business's Custom Pay-Link

Create an Affiliate program

Here is an amazing use for all the Melio users, who are linked with an affiliate program as well. With the assistance of melio, it is very easy to create and broadcast your special and unique link to all your buyers and interested customers.

With the help of accepted cookies, Melio tracks and makes a list of all your potential customers. A potential customer database shall be available with you for a minimum of ninety days.

Not only this, you shall even receive a referral fee of two hundred dollars, each time a new customer makes their first transaction with Melio.

At the end of every month, you shall be able to see these references after which you can credit the amount to your bank account with servers such as Stripe or PayPal. This process takes around ten to fifteen days.


Once you are registered with Melio, you need not take any kind of tension in relation to your security. They take this as their main motto. They are constantly working monitoring their data centers round the clock where they have stored their servers.

They use AES and HTTPS to create encryption that is industry-leading in nature. To bring to your notice, we would also like to tell you that Melio is compliant with PCI.

With this system, all your important and sensitive data is stored and protected. Regular tests are conducted within the system, both automatic and manual.

This system ensures that fraud is the least possible. Moreover, the usage of TabaPay, a credit card processor which is a third party also reduces the chances of fraud. Hence, we can positively say that your money and data are safe with Melio.

Ease of Use

Melio Payments Suppliers

The support that Melio offers to its customers is off the charts. With all its plans, you shall be provided with round-the-clock live support. In fact you shall even be able to gain services from a live dedicated accountant to cater to all your doubts.

You can also mail or reach out to Melio on all of their social media pages. 

What are the Key Benefits of Melio?

  1. The first thought that came to our mind, while thinking of Melio is that most of its services are free, and there are no sign up or registration charges that the users need to pay. All of the bank transfers that are made are completely free, that is the ACH payments are free. For the other transactions, there is a small transfer fee applicable, which is as low as two point nine percent only.
  2. Next, is definitely the ability to pay through Melio, with the help of your credit card.
  3. Third, is the integration with QuickBooks, with the help of which you can sync your accounting and payments at one place. This eliminates the reason to maintain separate data lists.
  4. Next is definitely that you can have unlimited users and receive payments with no limits at all. You can even add separate dashboards for your clients.

How does it work?

How it works Melio- Melio payments review

To step up an ACH with Melio is pretty simple. There are a few steps that you need to follow.

  1. Open Melio and your bill in it. It will automatically get synced. 
  2. Next, switch to the Melio Dashboard and open it.
  3. Go to the bill’s section and click on your bill.
  4. Then all you need to do is schedule your bill payments, and select the bank account from where you wish to schedule your bill payment.

Post this, all you need to do is wait for your vendor to accept your bill in the section of the ACH invite.

Pros and cons of Melio Reviews


  • There is no sign up or registration fees.
  • Users do not need to sign any contracts.
  • Users can avail of support at any hour of the day.
  • You can easily fill out all the forms, related to your taxes.
  • You do not need to pay any delivery charge for the paper checks.
  • You can easily manage your account as it is extremely user friendly.
  • There is no limit on the number of users that you can add.
  • Melio is now integrated with QuickBooks.


  • Managing your vendors is a difficult task.
  • There is no provision to make the  OCR data entry automated.
  • There is no option to sync the ERP to real-time.
  • It is not possible to add a Chrome extension.
  • Melio is not integrated with Zapier.
  • You can not do the accounting automatically.
  • There is no reporting made in terms of built-in expense.


Pricing Melio- Melio pricing review

At Melio, you will have the option to choose from the two plans that they have. Both of them are completely free of charge. They have one Business and one Accountant plan. If you have a closer look at them, they are quite similar to each other and have the same kind of features.


Melio Business Features:

  • Melio allows you to send checks free of cost, as well as Free bank transfer (ACH) & bank deposit.
  • The Business account allows unlimited users per account, which is convenient to use and also sync your process with QuickBooks Online. 
  • Apart from that, it is easy to schedule payments and easy payment tracking is available.
  •  If there are any hindrances or complaints, the software allows live support options for ease of clearance. 
  • All the payments through cards charge a fee of 2.9%, which also applies to payments received. 
  • The software supports unlimited companies, Clients, and AP as well as AR management.

Melio Accountant Features:

  • This feature requires no sign-up or subscription fees, it is also free to send checks. However, like a business account, this also charges a fee of 2.9% in sending and receiving credit card payments. 
  • The bank transfers charge no fees. Melio offers free check sending, as well as free money transfer (ACH) and bank deposit. 
  • The Accountant’s account allows for an infinite number of users per account, making it easier to use and synchronizing the processes with QuickBooks Online. 
  • Aside from that, scheduling payments is easy, and payment monitoring is simple. 
  • This also includes features like dedicated live support for help and FAQs with quick and easy update of all the preferred payment methods and processes

Melio Customer Reviews & Testimonials

Melio trustpilot Reviews

Melio Payments customer reviews

“Melio has been a great solution. It has been very easy to train my clients how to use Melio. With the recent development of the accountant’s portal, I can manage all my clients in one spot. I anxiously await any & all new updates!”

Stephanie Mack

‍Account Mobility


״Finally, a simple electronic payment method to streamline bill pay. We’re one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.״

Amy Walker

‍CPA CEO, Walker Agency


“It’s really good, also because we can set days payable, so we can officially have a 30 days payable policy, without me setting calendar reminders.”

Costa Gurevich

Owner Road Runners Team


“We started using Melio for the credit card, but now we use it to pay all our vendors and we love the simplicity.”

Jeff Segal

Domestique Wine


“One of the challenges of being a small business owner is keeping our expenses low and still being able to provide high-quality service. Melio helps me speed up the process of payment delivery and offers the possibility of using a credit card, to have more cash flow for the company. ”

Stanislav Nikolov
Founder and CEO of SPN EVENTS

FAQs on Melio Payments Reviews

👉 How do I verify my business with Melio?

After the first payment, you will be asked to enter your organization’s legal information. Like business name, address, Tax ID type, and number. Sole proprietors can enter their home address as a business address.

✔ Do I have to notify all of my vendors that I’m using Melio?

When submitting payments with Melio, you do not need to contact any of your vendors. Melio does not require vendors to register in order to be aware of pending fees or to collect funds.

🔥What will my vendors see when I use Melio?

Melio never gives out the bank account information since the check is paid into Melio's account. Your seller can send you an email confirming that the invoice has been sent.

💥 Can Melio schedule my vendor payments in advance?

Yes, really. Melio's top priority is keeping you on board with suppliers and assisting you with cash flow management.

👓Does Melio support international payments?

Melio currently only accepts transfers between businesses in the United States. Payments from outside the United States are not approved, and only credit cards issued in the United States are accepted.

🙄 Is it possible to pay Mortgage with Melio?

Yes, you can pay a mortgage with Melio, for your business with a Mastercard or Discover. Currently, American and Visa cards are not acceptable.

✅ Where is the headquarters of Melio?

The headquarters of Melio is in New York.

😍Is Melio a part of QBO?

No, Melio is not a part of QBO. You can use Melio, even if you aren’t using QBO. However, if you are using QBO, you shall be benefitted while using Melio

😍 Is Xero in sync with Melio?

No, Xero is not in sync with Melio.

Is it possible to pay with any credit card?

Melio presently accepts the following credit cards: American Express, Visa, Mastercard, and Diners Club. Melio will mail a check or make a bank transfer to your vendor on your behalf if you pay with a credit card. Please send an email to [email protected] if you'd like to pay with a different credit card provider.

Do I have to let my vendors know that I'm using Melio?

No, you don't. Melio either mails checks on your behalf or transfers funds to the bank account of your vendor (regardless of how you choose to pay). Vendors are not required to register in order to receive funds; instead, they will get a check or a deposit into their bank account (depending on your preference).

Is it possible to make payments in advance of the bill's due date?

Yes, you have the option of picking a future date for your payment transaction when paying your bill. Melio allows you to arrange payments in advance, eliminating the need for reminders to pay on time.

How long does it take for a payment to be processed?

If you opt to mail a check to your vendor, it will take 3 to 5 business days for the payment to arrive. It will take 1 to 3 business days if you pick bank transfer (regardless of whether you choose to pay using a card or bank transfer).

Is Melio Payments safe to use?

Melio is a free money transfer service for small businesses in the United States that offers the convenience of no sign-up or continuing subscription fees. It's a simple and secure digital accounts payable and receivable system that can assist you with payments to vendors and suppliers.

Is there a Melio app?

There is no standalone mobile app for iOS or Android devices at this moment, however Melio Payments works perfectly on any mobile device. To see for yourself, open your phone's browser and go to

Quick Links: 

Melio Payments Alternatives

1) is a cloud-based accounting platform that helps businesses digitise and automate their accounts payable and receivable procedures., which bills itself as an AI-powered financial platform, may be used to capture invoices, authorise payments, monitor cash inflows and outflows, and oversee back-office financial activities. Businesses can use this to bridge the gap between themselves, their suppliers, and their customers. is excellent for small and medium-sized businesses looking for a complete payment automation solution. It can also be used to serve clients by banks, accountancy firms, and wealth management businesses. As a result, it has earned the trust of some of the country’s leading financial institutions, including major accounting firms and well-known accounting solution providers.

Bill payments

One of the most major benefits of using is that it can drastically minimise the amount of time it takes to pay merchants, whether local or foreign. Customers using the platform have saved 50% of the time spent on accounts payable processes on average, which equates to 36 businesses each year. Customers also said they were paid two times faster. Additionally, the platform reduces manual data entry and provides insight and control over the approval process.’s Intelligent Virtual Assistant (IVA) technology enables automatic invoice capture, which is a vital feature. You can also create approval workflows that are based on your business rules. It also integrates with popular accounting software, eliminating the need to enter data twice.

This AP and AR automation solution is available for $39 to $69 per user per month., on the other hand, has programs for accounting companies that cost $49 each month.


  • Easy to use
  • Affordable
  • Flexible
  • Site is easy to upload invoices to
  • has all the options to make communication to customers easy and clear
  • AP automation
  • Centralized AP inbox
  • Paperless
  • Approval workflow


  • Payees need to create an account
  • Unclear instructions on how to accept payment
  • Limited on integrations
  • More options for managing customers
  • Simpler way to add customers to our account
  • More admin options

2) Tradeshift

Tradeshift is a web-based procurement and invoicing tool that enables organisations interact with their suppliers and partners by providing a shared platform where they can electronically share and approve documents. Sending invoices, approving payments, and delivering reports are just a few of the activities that Tradeshift streamlines.

Tradeshift reviews

This cloud-based procurement and invoicing platform allows organisations and their suppliers to collaborate and communicate online, reducing the need to manually enter vital information. Before an invoice is accepted, users can customise and define their criteria to guarantee that the information on the invoice is correct. There will be no more mistakes or overtime. All that is required is efficient invoice approval and management.

Tradeshift is an online platform that allows businesses to interact with their suppliers and streamline all of their interactions, including sending and receiving invoices, approving payments, and collaborating on products. Companies and their suppliers come together on Tradeshift in a single, unified location where they can transact, communicate, and collaborate.

  • Transactions between businesses and suppliers become faster and more simplified using Tradeshift. As a result, bills are handled efficiently, suppliers are paid more rapidly, and items and services are supplied rapidly. The software allows businesses to collect and validate supplier data based on their brand and criteria.
  • Tradeshift’s CloudScan function scans and analyses invoice data automatically. Suppliers may quickly and easily confirm their own invoices and verify the information. Businesses and suppliers can work together to design and implement a more efficient workflow. Through efficient coding, approval re-assignment, and other tools and capabilities, this functionality eliminates bottlenecks.
  • Tradeshift is a simple program that takes new users through a step-by-step process. To become familiar with Tradeshift, no training is required. As a result, users may quickly complete duties such as writing bills, approving payments, and more. In addition, the program aids both the business and the supplier in achieving real-time contract compliance.

3) NetSuite

Linking online and offline stores into a single channel is a difficulty for most e-commerce enterprises today, especially those with a physical store. The lack of a single channel has one disadvantage: inventory and prices are not updated in real time. Combining the two into a single platform provides a comprehensive perspective of the company, including customer interactions and activities.

To compete with ever-increasing demands, an e-commerce business must be able to understand client wants while also employing technology to deliver a seamless consumer experience regardless of sales channel.

NetSuite - CRM

All of these criteria are met by NetSuite Suite Commerce, an omnichannel e-commerce platform and solution. The consumer is at the centre, rather than each channel being treated as a separate silo. Every sales channel is linked with the others. The lines between stores, markets, social media sites, and websites are blurred.

It can handle all key processes in a single system, such as inventory management across multiple channels, providing customer information to the marketing and sales teams to help them improve their strategies, fulfilling orders from order capture to delivery, and improving customer service, among others. This guarantees that the business runs smoothly.

Finally, NetSuite SuiteCommerce is a multi-tenant SaaS solution that allows retailers to provide a distinctive and engaging online experience to their customers. It customises the customer’s purchasing experience by modifying what they see on the website, what adverts they see on social media platforms, and even how sales staff assist them in a physical store. Check out NetSuite Review 

& Netsuite Vs Acumatica.


  • Impressive feature-set
  • Suited for large businesses
  • Advanced permissions
  • Ample accounting reports
  • Numerous integrations


  • Unsuited for small businesses
  • Expensive yearly cost
  • Moderate learning curve

4) Tipalti

Tipalti is a payment automation and administration software that has won numerous awards. It got the Expert’s Choice Award for 2019.

Except for meeting deadlines and being flawlessly correct, there is nothing that can be done in the finance industry to impress customers. Unfortunately, dealing with issues like late payments, administrative overload, noncompliance, and frequently catastrophic human errors is the ultimate difficulty for enterprises functioning in the industry. This is where Tipalti shines brightest.

Tipalti reviews

The secret to Tipalti’s success is simply optimising payment to reduce finance management times, which is the main challenge faced by every accounting staff. To the delight of many famous enterprises throughout the world, Tipalti transformed a complex and complicated process into a routine day-to-day chore. Moreover, it did so in a very user-friendly manner, ensuring that users will not have to reinvent the wheel in order to become familiar with the system.

From onboarding to tax compliance, this comprehensive, cloud-based asset is a powerful and secure payment refuge that automates the full mass global payment processing operation. The software will simplify the process of making payments to customers, partners, vendors, and affiliates in over 190 countries. Meanwhile, it will ensure that all tax and regulatory requirements are completed with minimal human interaction, and it will achieve your original goal of improving vendor and customer payment experiences while maintaining a quality emphasis.

In terms of the user profile, we feel Tipalti can be useful in any company setting. Its functionality should be activated in Network Economy companies with high volume and high complexity global pay operations, such as online marketplaces, crowd funding and crowd sourcing, digital goods and services, ISPs, affiliate networks, advertising networks, and app and software monetization organisations.

Many CEOs, COOs, and other high-ranking workers choose Tipalti as their preferred accounting system. It has more than 250,000 payees and handles more than $1 billion in international bank transfers each year. This data speaks louder than words, which is why Tipalti’s has attracted the attention of companies like Tapjoy, Infolinks, ClickDealer, and Disqus, among others.


  • Vendor management is simple.
  • Excellent customer service via numerous channels
  • The onboarding and setup process is simple.
  • Payments can be made in the local currency.
  • It’s simple to make batch payments.


  • Customization choices are limited.
  • The verification process is time-consuming and occasionally unreliable.


Can I use Melio for payments outside of the US?

Sorry, no, they currently do not support payments outside of the US.

Conclusion: Is Melio Worth It ? Melio Payment Reviews

Melio’s advantages include the no-cost plans tailored to companies and accountants. It works with standard accounting tools like QuickBooks, so you won’t have to come up with something new to better the invoicing.


Melio also has unlimited monitoring and users, which is a function that not even the costliest accounts payable solutions can match. You’ll still never be required to sign a contract or pay a postage fee.

Melio is in charge of tax forms and offers live assistance. Melio, on the other hand, has certain disadvantages. It actually lacks vendor control and automatic OCR data entry, all of which may be deal-breakers for larger businesses.

Andy Thompson

Andy Thompson has been a freelance writer for a long while. She is a senior SEO and content marketing analyst at Digiexe, a digital marketing agency specializing in content and data-driven SEO. She has more than seven years of experience in digital marketing & affiliate marketing too. She likes sharing her knowledge in a wide range of domains ranging from ecommerce, startups, social media marketing, making money online, affiliate marketing to human capital management, and much more. She has been writing for several authoritative SEO, Make Money Online & digital marketing blogs like: ImageStation, & Newsmartwave

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