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 may be a difficult and time-consuming operation, especially for businesses that receive a big volume of invoices.

Melio is a great option for small company owners in the United States searching for a platform to collect online payments.

Currently, all small company owners and entrepreneurs in the United States can access the services. You may now effortlessly collect your bills.

Customers can make free payments using debit cards or bank transfers. You may also collect money from businesses that only accept paper checks.

Bottom Line Upfront : Is Melio Secure?

Melio offers rapid and easy transactions. They feature a variety of payment alternatives, including free bank transfers. There is a minor cost of 2.9% on credit card transactions, and you may prevent late payment charges by using the Melio payment schedule function.

To make payments, you do not need to register a Melio account. There are no monthly membership fees. If you have any problems, you may contact their customer care representatives, who are really friendly and will answer your problems right away. Try Melio Now

Melio Payments Services Review

Melio Reviews 2023: Pros & Cons of Melio 

Paying bills might be inconvenient, but it doesn’t have to be. It is just as vital to have your bills paid as it is to pay them. There is no better time than now to begin using Melio.

Their simple UI makes it simple 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 money on the agreed-upon date is a challenging undertaking. They understand the anguish that comes with late payments.

This is why Melio will assist you in collecting all of your payments on time in order to reduce the confusion and commotion that payments bring.

Payment with the help of a credit card

Melio Payments Features

When running a business, you must make more transactions than you can fathom. Melio recognizes how difficult it may be to have an excess of money in your account at times, which enhances your temptation to pay with credit cards.

They are aware that credit cards are not accepted by every client or service provider.

To make this procedure easier for you, Melio now allows you to pay them through bank transfer or cheque. Confused?

Please allow us to explain. All you have to do is make a credit card payment to Melio, and they will pay your merchant on your behalf. Isn’t it simple?

Integration of QuickBooks with Melio

Melio Quickbooks

Well, here’s some excellent news for all QuickBooks users. Melio is now linked to QuickBooks. All of their mutual clients can now benefit from the sync.

All of your bookkeeping and payments will be handled in one location. On fact, you may use the same Quickbooks credentials to log in to Melio.

Melio Reviews and features Melio Payments FAQs is the quickest online payment acceptance and tracking service. To make a payment to you, your clients will not even need to register with Melio and create an account.

Users can also make a payment using a bank transfer, which occurs without deduction, or with a credit card.

Melio Your Business's Custom Pay-Link

Create an Affiliate program

This is a fantastic usage for all Melio users who are also affiliated with an affiliate network.

It is extremely simple to establish and distribute your exclusive and unique link to all of your buyers and interested clients with the help of melio.

Melio tracks and compiles a list of all your potential clients using approved cookies. You will get access to a potential client database for at least ninety days.

Not only that, but you’ll get a $200 referral fee every time a new customer makes their first transaction with Melio.

You will be able to view these references at the conclusion of each month, after which you will be able to credit the amount to your bank account via sites such as Stripe or PayPal. This full procedure takes 10-15 days.


You do not need to be concerned about your security after you have registered with Melio. This serves as their primary slogan.

They are continually monitoring their data centers, where their servers are kept, around the clock.

They generate encryption that is industry-leading by combining AES with HTTPS. We would also like to attract your attention to the fact that Melio is PCI compliant.

This system stores and protects all of your vital and sensitive data. Within the system, both automatic and manual testing are performed on a regular basis.

This technique guarantees that fraud is kept to a minimum. Furthermore, using TabaPay, a third-party credit card processor, decreases the likelihood of fraud.

As a result, we can confidently state that your money and data are secure 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 signup or registration charges that the users need to pay. All of the bank transfers made are completely free; that is, the ACH payments are free. A small transfer fee is applicable for the other transactions, which is as low as two point nine per cent.
  2.  Next is 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 in one place. This eliminates the reason to maintain separate data lists.
  4.  Next is that you can have unlimited users and receive payments with no limits. 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.

All that remains is for your seller to accept your bill in the part 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 transfers (ACH) & bank deposits.
  • The Business account allows unlimited users per account, which is convenient to use and sync your process with QuickBooks Online. 
  • It is also easy to schedule payments, and easy payment tracking is available.
  •  The software allows live support options for easy clearance if there are any hindrances or complaints. 
  • All payments through cards charge a fee of 2.9%, which also applies to payments received. 
  • The software supports unlimited companies, clients, AP, and AR management.

Melio Accountant Features:

  • This feature requires no sign-up or subscription fees and is also free to send checks. However, like a business account, this also charges a fee of 2.9% for sending and receiving credit card payments. 
  • The bank transfers charge no fees. Melio offers free check sending, as well as free money transfers (ACH) and bank deposits. 
  • 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 updates 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.

Quick Links: 

Melio Payments Alternatives

1) is a cloud-based accounting tool that assists businesses in digitizing and automating accounts payable and receivable processes., which bills itself as an AI-powered financial platform, may be used to collect invoices, authorize payments, track cash inflows and outflows, and manage back-office financial operations.

Businesses may utilize this to connect themselves, their suppliers, and their consumers. is ideal for small and medium-sized enterprises in need of a comprehensive payment automation solution.

It may also be used by banks, accounting companies, and wealth management organizations to assist their clients.

As a result, it has won the trust of some of the nation’s most prestigious financial institutions, including large accounting firms and well-known accounting solution suppliers.

Bill payments

One of the most significant advantages of utilizing is that it may significantly reduce the amount of time it takes to pay merchants, whether local or abroad.

Customers that use the platform save 50% of the time spent on accounts payable processes, which corresponds to 36 enterprises saved per year. Customers also reported that they were paid twice as quickly.

Furthermore, the platform minimizes manual data entry and gives users visibility and control over the approval process.

Automatic invoice capturing is a critical component of’s Intelligent Virtual Assistant (IVA) technology.

You may also construct approval procedures depending on your company’s policies. It also connects with major accounting applications, removing the need to double-enter data.

This AP and AR automation solution costs between $39 and $69 per user per month., on the other hand, features accounting firm packages that cost $49 per 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 technology that allows businesses to communicate with their suppliers and partners by offering a shared platform for electronic document sharing and approval.

Tradeshift automates a variety of tasks, including sending invoices, authorizing payments, and giving reports.

Tradeshift reviews

This cloud-based procurement and invoicing platform enables organizations and their suppliers to interact and communicate online, minimizing the need for crucial information to be manually entered.

Users may customize and establish their criteria before accepting an invoice to ensure that the information on the invoice is valid. There will be no more errors or overruns. It only takes effective invoice approval and administration.

Tradeshift is an online platform that enables businesses to engage with their suppliers while also streamlining all of their interactions, such as sending and receiving invoices, authorizing payments, and collaborating on goods.

Companies and their suppliers may transact, communicate, and cooperate in a single, unified place on Tradeshift.

  • Tradeshift streamlines business-to-supplier transactions, resulting in faster and more efficient bill handling, supplier payments, and item/service delivery.
  • The software allows businesses to collect and validate supplier data based on their brand and criteria.
  • Tradeshift’s CloudScan function automatically scans and analyzes invoice data, allowing suppliers to quickly confirm and verify information.
  • Businesses and suppliers can work together to design and implement a more efficient workflow, eliminating bottlenecks through efficient coding, approval re-assignment, and other tools and capabilities.
  • Tradeshift is a simple program that takes new users through a step-by-step process, requiring no training.
  • Users may quickly complete duties such as writing bills, approving payments, and more.
  • Tradeshift aids both the business and the supplier in achieving real-time contract compliance.

3) NetSuite

Connecting online and offline stores into a single channel is a challenge for most e-commerce businesses today, particularly those having a physical store.

One downside of not having a single channel is that inventory and pricing are not updated in real time.

When the two are combined into a single platform, it gives a holistic view of the organization, including consumer contacts and operations.

To compete with ever-increasing expectations, an e-commerce company must be able to comprehend customer desires while also utilizing technology to provide a seamless consumer experience regardless of sales channel.

NetSuite - CRM

NetSuite Suite Commerce, an omnichannel e-commerce platform and solution, meets all of these criteria. Instead of treating each channel as a distinct silo, the customer is at the center.

Each sales channel is interconnected with the others. The distinctions between stores, marketplaces, social networking sites, and websites are becoming increasingly blurred.

It can handle all key processes in a single system, including inventory management across multiple channels, providing customer information to marketing and sales teams to help them improve their strategies, fulfilling orders from order capture to delivery, and improving customer service, to name a few. This ensures that the company works smoothly.

Finally, NetSuite SuiteCommerce is a multi-tenant SaaS solution that enables merchants to give their consumers with a distinct and engaging online experience.

It personalizes the purchase experience of customers by changing what they see on the internet, what advertisements they see on social media platforms, and even how sales people help them in a physical shop. 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 an award-winning payment automation and administration software. It received the 2019 Expert’s Choice Award.

There is nothing that can be done in the banking business to impress clients other than meeting deadlines and being completely right.

Unfortunately, dealing with difficulties such as late payments, administrative overburden, noncompliance, and frequently catastrophic human mistakes is the ultimate challenge for industrial businesses. This is where Tipalti really excels.

Tipalti reviews

The key to Tipalti’s success is simply optimizing payments to minimize finance management times, which is the major difficulty that every accounting staff faces.

Tipalti reduced a sophisticated and complicated procedure into a common day-to-day duty, much to the satisfaction of many notable businesses throughout the world.

Furthermore, it did it in a very user-friendly manner, assuring that users would not have to reinvent the wheel in order to become acquainted with the system.

This complete, cloud-based asset is a powerful and secure payment refuge that automates the whole large global payment processing operation, from onboarding to tax compliance.

The program will make it easier to pay customers, partners, vendors, and affiliates in over 190 countries.

Its functionality should be enabled in Network Economy companies that conduct high-volume, 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 organizations.

Tipalti is the accounting system of choice for many CEOs, COOs, and other high-ranking employees. It has over 250,000 payees and processes over $1 billion in international bank transfers every year.

Because data speaks louder than words, Tipalti has drawn the attention of firms such as 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 offers limitless monitoring and users, a feature that not even the most expensive accounts payable solutions can match. You will never have to sign a contract or pay a shipping cost.

Melio handles tax paperwork and provides live support. Melio, on the other hand, has several drawbacks. It lacks vendor management and automated OCR data entry, which may be deal breakers for bigger enterprises.

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 e-commerce, 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.

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