Melio

Accounting & Finance

4.3(40 ratings)

86% recommend

Simplify your business payments and manage invoices seamlessly with Melio.

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About Melio

Best for small businesses simplifying bill payments and cash flow.

Melio is a bill payment and accounts payable platform built specifically for small businesses and their bookkeepers. It allows users to pay vendors via bank transfer or credit card — even when the vendor only accepts checks — helping businesses manage cash flow more flexibly. The platform syncs with popular accounting software to keep books up to date without manual data entry. Melio stands out by offering free ACH payments and letting businesses earn credit card rewards on bill payments, which is uncommon in this space.

Pros

Free ACH bank transfer payments with no fees
Pay by credit card even if vendor doesn't accept
Simple and intuitive interface requires minimal training
Automatic sync with major accounting software
No subscription fee for core payment features

Cons

Credit card payments carry a 2.9% processing fee
Limited invoicing and accounts receivable features
Not ideal for large enterprises with complex needs
Check delivery can take several business days

Use Cases

Best for small businesses paying multiple vendors and suppliers each month

Best for bookkeepers managing bill payments across several client accounts

Best for businesses wanting to use credit cards for vendor payments

Best for freelancers and sole proprietors streamlining accounts payable

Key Features

6 features

Pay vendors via credit card

Schedule future payments

Automated invoice reminders

Track payment status in real-time

Integrate with QuickBooks

Receive payments directly online

SaasHunter Score

7.6/10

“Select Melio to simplify invoice management and payments for your small business, especially if cost efficiency is key.”

Ease of Use

8.0

Features

7.0

Pricing

8.0

Support

7.0

Integrations

8.0

Best For

Small Business 9Freelancers 8Agencies 7Startups 7Enterprise 6

Integrations

QuickBooks OnlineQuickBooks DesktopXeroFreshBooksMicrosoft ExcelZapier

Bill Payment Cash Flow Management Payment Processing

Frequently Asked Questions

What is Melio?

Melio is an online bill payment platform for small businesses that lets you pay vendors by bank transfer, credit card, or check. It simplifies accounts payable and syncs with accounting software to keep your books accurate.

How much does Melio cost?

Melio is free to use for ACH bank transfers. Credit card payments incur a 2.9% fee, and expedited check delivery or other premium options may have additional charges.

What are the main features of Melio?

Key features include online bill payments via ACH, credit card, or mailed check, automatic accounting software sync, approval workflows, scheduled payments, and the ability to combine multiple payment methods for cash flow flexibility.

Who should use Melio?

Melio is designed for small to medium-sized businesses, freelancers, and bookkeepers who want a simple, affordable way to manage vendor payments without complex enterprise software.

Is there a free plan for Melio?

Yes, Melio offers a free plan that includes unlimited ACH bank transfer payments at no cost. You only pay fees when using credit cards or opting for expedited payment delivery.