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Melio Reviews
53 reviews
Save BIG on
Melio
Save up to $100 on Melio
Melio
Used by 172 members
$100 cashback
Save up to $100 on Melio
Save BIG on
Melio
- 01 What is Melio?
- 02 Pros and cons from reviewers
- 03 Main features
- 04 How Melio compare to similar software?
- 05 Who is Melio best for according to our reviewers?
- 06 Melio Reviews
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01 What is Melio?
Melio is an online platform that simplifies the payment process for businesses. It allows companies to manage payments to suppliers and subcontractors efficiently, either by credit card or bank transfer. The recipients can then receive their payments via bank transfer or check. Melio also facilitates the overall management of corporate payments by synchronizing with your accounting tool and enabling you to add team members, centralize invoice payments, combine payments, make partial payments, and manage employee payment authorizations. Suitable for any size of company and industry, Melio can be easily integrated into your processes and is approved by major financial institutions like J.P. Morgan, AMEX, Quickbooks, Mastercard, Visa, and Diners Club.
02 Pros and cons from reviewers
Pros from reviewers
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Free ACH feature
Melio offers a free Automated Clearing House (ACH) feature, which is a network used for electronic payments and money transfers. This feature is particularly appreciated by users for its cost-effectiveness and convenience -
Excellent customer service
Despite some criticisms, many users have praised Melio's customer service for being outstanding, efficient, and quick to resolve issues. The support team is easily reachable through live chat during weekdays -
Cost-effective
Melio is a cost-effective solution for managing payments, especially when compared to its competitors. It offers free payments when using a bank account, and provides options for who pays the fee - the user or their client. This affordability is a significant advantage for small businesses and freelancers. -
Ease of use
Melio is praised for its simplicity and straightforwardness, making it an efficient tool for managing payments and invoices. Its clean interface and easy-to-navigate platform make it a preferred choice for freelancers, accountants, and small businesses -
Seamless integration
Melio integrates flawlessly with QuickBooks Online (QBO), allowing users to manage all their clients, incoming and outgoing transactions, and history from one platform. This integration saves users countless hours in bookkeeping
Cons from reviewers
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Vendor linking issues
Users have reported that when vendors are added with their Melio links, a new vendor is created and is not linked to the one that already exists in QuickBooks. This can cause confusion and extra work -
Declined expedited payments
Some users have reported that Melio consistently declines all expedited payments, regardless of the amount. This has caused issues for clients and resulted in late payments -
Web interface issues
While Melio is generally user-friendly, some users have reported that the web interface can be somewhat clumsy for desktop users -
Lack of certain features
Some users have mentioned that Melio lacks a few features, such as requiring a W9 for certain vendors before allowing payment and not accepting pre-payments or retainers. This can be frustrating for users who need these features. -
Poor customer service
Despite the overall positive reviews, some users have reported issues with Melio's customer service. They have mentioned that the response time is slow and there is no direct phone support, which can be frustrating when immediate assistance is needed
Melio
Billing software
$100 cashback
Save up to $100
03 Main features
Starting Price
Free Plan
Automate your payments
Maintain full control over operations
Streamline your workflow
Pay with ease
Get paid with peace of mind
N/A
Free Plan
No
Automate your payments
Maintain full control over operations
Streamline your workflow
Pay with ease
Get paid with peace of mind
Melio
Billing software
$100 cashback
Save up to $100
04 How Melio compare to similar software?
Melio and Stripe are both payment processing platforms, but they cater to different business needs and offer distinct functionalities. Understanding the differences between them is crucial for choosing the right solution for managing business transactions.
One of the main differences between Melio and Stripe lies in their primary target audiences and application focuses. Melio is specifically designed for small to medium-sized businesses that need to manage accounts payable and receivable efficiently. It allows businesses to pay any invoice with a bank transfer for free or with a credit card, even if vendors only accept checks. This makes Melio particularly useful for managing cash flow and extending payment terms. Additionally, Melio supports simplifying payment processes without needing extensive technical integration.
On the other hand, Stripe caters to a broader range of businesses, from small startups to large enterprises, and is highly favored for its e-commerce and online...
Melio
Used by 172 members
Billing software
$100 cashback
Save up to $100
Stripe
Used by 6987 members
Manage your online payments
Waived Stripe fees on your next $20,000 in payment processing
Save up to $500
QuickBooks and Melio are popular financial management tools that cater to different aspects of business operations. One critical difference between them is their core functionality. QuickBooks is a comprehensive accounting software, while Melio is a payment processing platform. This distinction is essential when considering which tool best suits your business needs.
QuickBooks is designed to manage all aspects of your business's finances, including invoicing, expense tracking, payroll, tax preparation, and financial reporting. It provides an all-in-one solution for small to medium-sized businesses looking to streamline their accounting processes. QuickBooks offers a range of plans tailored to different business sizes and needs, each including various features such as inventory management, project tracking, and multi-user access. It’s particularly useful for businesses that require detailed financial oversight and want to keep all their accounting tasks in one place.
On the other hand,...
Melio
Used by 172 members
Billing software
$100 cashback
Save up to $100
QuickBooks
Used by 895 members
Optimize your accounting and invoicing management with ease.
30% off for 6 months
Save up to $423
05 Who is Melio best for according to our reviewers?
-
Small Business Owners
Entrepreneurs who run small businesses and require a platform to automate their bills or payments and manage all their clients from one place -
Accountants
Financial experts who can benefit from Melio's seamless integration with accounting software, making payment processing simpler and more efficient -
International Clients
Users who operate globally and need a reliable tool for managing payables and forecasting cash flow, despite Melio's limitations in accepting pre-payments or retainers -
Dissatisfied Users
Individuals who have had negative experiences with Melio, particularly with expedited payments being declined, and are seeking alternative platforms for their accounts payable needs. -
Freelancers
Professionals who work independently and need a simple and efficient tool for managing their finances, including paying bills and invoices
Melio
Billing software
$100 cashback
Save up to $100
06 Melio Reviews
Melio rating
Melio Reviews
-
Porfirio Daniel
Covers the AP Basics with Helpful Support
Melio has been a good fit for our small team because it solves the basics well: pay bills, track status, sync records, and avoid missed due dates. Customer support was reasonably responsive the one time we had a payment timing question, so my experience has been mostly positive
June 9, 2026
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Trevor Altenwerth
Credit Card Flexibility for Any Vendor
What I appreciate most is being able to pay a supplier with a credit card even when they only want a bank transfer or check. That flexibility has helped with cash flow during slower months, even if I use it selectively because of the fee
May 31, 2026
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Shandra Stanton
Better Due-Date Organization with QuickBooks Integration
We moved to Melio after juggling bank payments manually, and it has been much easier to keep due dates organized. The accountant especially likes the QuickBooks integration. We also happened to get a $100 credit through Joinsecret, which was a pleasant surprise but the scheduling tools are what kept us on it
May 25, 2026
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Rhett Marvin DVM
Check Mailing for Paper-Only Vendors
The best part for me has been the check mailing service. A few older vendors still insist on paper checks, and Melio lets us handle that without keeping checks in the office. I came across it through Joinsecret and ended up getting $100 back, which basically covered part of the early cost
May 16, 2026
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Ernest O'Keefe Jr.
Easy Recurring and Contractor Payments, No Vendor Signup
We use Melio for both recurring bills and one off contractor payments, and the interface is easy enough that I did not need much training time with staff. I also like that vendors do not have to create an account just to receive payment
May 10, 2026
-
Clelia Treutel
All-in-One Dashboard for Bank & Card Payments
Melio has made our bill pay process a lot easier, especially the option to pay vendors by bank transfer or card from the same dashboard. We still double check approvals before sending larger payments, but overall it has saved our team a lot of back and forth
May 5, 2026
-
Halley Quitzon
Cashback Deal + Fewer “Did You Pay Me?” Pings
I saw the $100 cashback on Melio deal via Joinsecret and used it, and what I appreciated more was that Melio’s notifications and delivery tracking reduced the “did you pay me?” messages from vendors even during busy weeks
April 27, 2026
-
Manual Howe
Practical Exportable Reporting
The reporting isn’t fancy, but it’s practical, I can export a clean CSV of payments by vendor and date range, which makes month-end reconciliation faster
April 22, 2026
-
Jerome Brown
$100 Joinsecret Cashback Perk
We happened to grab the $100 cashback on Melio through Joinsecret when we signed up, not life-changing money, but it basically covered a few card payment fees while we tested the workflow
April 20, 2026
-
Jenise Grady
Easy Multi-Entity Management
I’m managing two small companies and the ability to switch between entities from the same login is a big deal, keeps permissions separate and my accountant doesn’t hate me at tax time
April 16, 2026
Start saving on the best SaaS
Secret has already helped tens of thousands of startups save millions on the best SaaS like Microsoft Teams, Google Workspace & many more. Join Secret now to buy software the smart way.