17 years helping Canadian businesses
choose better software

About Melio

Melio is a flexible AP solution for small businesses. Pay invoices with bank transfers or cards, even when vendors don’t accept cards.

Learn more about Melio

Pros:

Perfect integration with Quickbooks. Low cost to process payment.

Cons:

Checks are lost, sent twice, logged as deposited when not.

Melio ratings

Average score

Ease of Use
4.3
Customer Service
4.0
Features
4.1
Value for Money
4.3

Likelihood to recommend

7.6/10

Melio has an overall rating of 4.2 out 5 stars based on 377 user reviews on Capterra.

Have you used Melio before?

Share your experiences with other software buyers.

Filter reviews (377)

merroudj
merroudj
freelancer in Algeria
Verified LinkedIn User
Computer Networking, Self Employed
Used the Software for: 1+ year
Reviewer Source

fast and easy payment processing

5.0 2 years ago

Comments: At this point in the Melio Payments review, I can honestly say that it's worthwhile to try, particularly given that it's free. For freelancers, accountants, and small enterprises, it's a fantastic financial solution. The latter group may automate their bills or payments and handle all of their customers from a single platform.

Pros:

A very tidy, straightforward, but effective tool for paying bills and invoices, Payment processing, is quite simple compared to its rivals; it is substantially more productive. This product's flawless integration with our accounting software is why we chose it. Additionally, it eliminates the inconvenience of printing and sending paper checks. Recipient changes of the payment method selected are seamless

Cons:

Improved phone customer service is something I would like to see no other recommendations now. Vendors are added with their Melio links, and those vendors currently in QuickBooks should automatically connect. Now, when you do that, a new vendor is formed and is not connected to the one that presently exists in QuickBooks. Wishlist: It would be nice if there were an option to send international wire transfers in different currencies. If it is wholly linked with Wave Invoicing, it would be fantastic and allow a free connected workflow.

Melissa
President in US
Accounting Software, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Alternatives Considered:

Melio helps me get my vendors paid easily and on-time FOR FREE!

5.0 3 years ago

Pros:

Melio integrates VERY WELL with QBO. I'm able to set up vendor bills/payments with a simple approval workflow quickly and easily. My vendors can choose how they are paid (paper check or direct deposit) and I can choose how to pay them (bank account or credit card). Paying with a bank account is FREE!

Cons:

I'm finding that my vendor addresses don't carry over from QBO to Melio, so the first time I pay a vendor in Melio I have to type in the vendor address in Melio, even though it's already set up in QBO. It's a minor inconvenience that I'm hopeful Melio will fix. (Their customer support is great!)

Jeff
CEO in US
Financial Services Software, 2–10 Employees
Used the Software for: 1-5 months
Reviewer Source

Alternatives Considered:

Fantastic Idea, poor implementation, horrific customer service

1.0 3 years ago

Comments: Really poor customer service, no one is able to help or give advice, and it's a total waste of my time.

Pros:

It was easy to set up an account and has a pleasing aesthetic. I was really excited to find it. It's easy to set up vendors and create an invoice (took just a tiny bit of trial and error, but it's very self explanatory).

Cons:

It took 6 weeks and numerous emails and chat messages to get them to send a test payment to verify my company bank account. Finally someone who said they were a specialist or a manager said that they had put in a manual override to get my test payments sent. That should have been a warning sign. Then I tried to send my first payment to my vendor, and when I did it said the payment failed and I needed to contact compliance, with no additional information. I've gotten a dribble of requests asking for IRS letters and articles of organization. I've sent them in, but I have had no response as to why I was rejected, why they didn't ask for that information up front if it was going to be needed (it was very foreseeable), and there's no way to get a hold of anyone else. So, I've been waiting for 8+ weeks total and still don't have a functioning product, I don't have any idea what is wrong, and there's no way to contact anyone. The on-site chat rep tells me that they're not authorized to answer my questions and that I need to email the compliance team, but the compliance team is totally unresponsive.

Melio Response

3 years ago

Hi Jeff, thanks for reaching out. Melio requires an EIN or SSN to approve your account for use. Sometimes, our Compliance team requires further information to verify a business and approve the account. As our Support team does not have access to Compliance decisions, Compliance must indeed be contacted directly. We can confirm our Compliance team has been in touch with you via email regarding your account, and requested further information to possibly overturn their decision and review your account as of today, January 27th. Please note, our teams are available Monday-Friday 9am-6pm EST. Best Regards, Team Melio

Bianca
Accounting in US
Accounting Software, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Melio Review

5.0 3 months ago

Comments: We have been using Melio for years. We are happy with the platform and it serves its purpose for what we need.

Pros:

Melio offers an easy to use user interface. It is easy to navigate through the platform and is visually appealing.

Cons:

The character count in the Invoice # and note to self section. It is only 50 characters which limits how many Invoice #'s we can enter.

Melio Response

3 months ago

Hi Bianca, thank you for taking the time to share your feedback with us; we greatly appreciate it! We are thrilled to hear that you have been a Melio customer for a while and that our easy-to-use interface helps you navigate your business's workflow seamlessly. We will make sure to pass your feedback along about the character limit for the invoice and note to self sections for future improvements. We are looking forward to continuing to serve your business and implementing many new features that you would like! Cheers, Team Melio

Milena
BOOKKEEPER in US
Accounting Software, 2–10 Employees
Used the Software for: 6-12 months
Reviewer Source

Alternatives Considered:

Love it so far

5.0 2 years ago

Comments: Great! I am very happy with all features Melio provides and will recommend it to anyone who needs a payment processing system.

Pros:

I love Melio. It is very easy to use, and really convenient. I am able to provide more services while spending less time per client. Thank you!

Cons:

I had a problem with a Wire transfer once, I haven't tried it again to know if the issue was fixed. Will update when I use it again.

Melio Response

2 years ago

Hi Milena, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful and easy to use. Best, Team Melio

Vic
President in US
Accounting Software, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Alternatives Considered:

Melio pays

5.0 2 years ago

Comments: I rely on it to pay and get paid.

Pros:

It's effortless to set up. More importantly it's easy for my clients to accept and adopt the software into their business.

Cons:

Web interface a bit clunky for desktop users.

Melio Response

2 years ago

Hi Vic, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful and easy to use. Best, Team Melio

Lisa
President in US
Accounting Software, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Best way to pay vendors- bar none

4.0 2 years ago

Comments: Easy to implement, and support is great!

Pros:

The full integration with in QuickBooks online makes this an easy choice for streamlined and efficient processes.

Cons:

It is difficult to know exactly when a vendor will receive a payment. Should be two days but sometimes has been five days. Especially in the beginning of using the software.

Melio Response

2 years ago

Hi Lisa, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful and easy to use. Best, Team Melio

Kate
CFO in US
Staffing & Recruiting, 51–200 Employees
Used the Software for: 6-12 months
Reviewer Source

Alternatives Considered:

Melio Feedback

4.0 4 years ago

Comments: I am happy with the product, especially since it is free for the functionality I am using it for. I would be willing to pay a small fee (at least the cost of a stamp) to have live checks be processed and mailed on the same day that the payment is processed.

Pros:

I love that I can pay all invoices without printing and mailing checks. It is also great that the program completely integrates with QuickBooks so the bills show up automatically in Melio, and with a few clicks I can pay all of the bills.

Cons:

It takes over a week for a live check to be delivered to a vendor, which is a long time.

Melio Response

4 years ago

Hi Kate, thank you for taking the time to post such an excellent review. We are glad Melio has been able to save you time and busywork. We are currently working on a fast check feature and it should be available soon, so stay tuned. All the best, Team Melio

sandy
accountant in US
Accounting Software, Self Employed
Used the Software for: 6-12 months
Reviewer Source

Alternatives Considered:

Melio is a great option for sending and receiving payments

4.0 3 years ago

Comments: I have been extremely happy with the ability to have payments come directly into my bank account from the customer, and the fees are fair.

Pros:

This product integrates very well with Quickbooks Online, and is fairly easy to use once it is set-up. Customer Service is great

Cons:

Set-up takes a little bit of computer saavy, but customer service is very helpful. It takes a little bit longer than I would like to get the funds in my bank account after a customer has made the payment when they pay from their bank account.

Adam
Adam
Chief Information Technology in US
Verified LinkedIn User
Information Technology & Services, 10,000+ Employees
Used the Software for: 1+ year
Reviewer Source

Melio – Manage your ACH payments

4.0 last year

Comments: What sets Melio apart for me is its simplicity, especially when it comes to regular vendors. Sending payments is easy and the platform also allows me to keep a record of all payments made during the year. This is incredibly helpful come tax time.

Pros:

I have been using Melio to manage payments to suppliers and contractors. The platform allows us to process ACH payments completely free of charge, which is an incredible benefit. You only incur a cost if you send more than two checks per month. I like its design and the speed at which payments are processed.

Cons:

What I don't like is the customer support, it is very, very slow, and when you have a problem with a transaction it can be very tedious and time consuming.

Melio Response

11 months ago

Hi Adam, thanks for sharing your feedback. We are glad to know you're finding Melio to be such a resourceful tool. We take feedback about our offerings very seriously and we're sorry to hear you've been having a difficult time reaching our support team. Our support team is available for live chat Monday- Friday 9am- 8pm EST to help with any immediate needs. However, please feel free to reach out with any additional concerns via email to [email protected]. Best, Team Melio

Kara
Owner in US
Health, Wellness & Fitness, Self Employed
Used the Software for: 6-12 months
Reviewer Source

False Advertising

2.0 10 months ago

Comments: Because of they did not deliver payments as advertised and because they did not respond to my inquiry regarding my payment not being expedited. I do not recommend their service.

Pros:

Easy to setup and start using. Integrates with Quickbooks.

Cons:

They advertise that payments will be sent to vendors in 2-3 business days. My vendors told me that payments took 5 business days. You can pay additional for next day payment delivery, which I tried. The payment still took 5 business days. I emailed customer service and received no response.

Melio Response

10 months ago

Hi Kara, thank you for taking the time to leave a review. We appreciate your feedback and understand that timely payments are crucial for you and your vendors. At Melio, we follow the standard ACH processing timeline of 3 business days (excluding weekends), as set by the Federal Reserve Bank and our partnering banks. We understand that this timeline may not always be convenient for our customers, which is why we offer the option to schedule a payment via debit or credit card for a faster delivery with a processing fee. We would like to work with you to resolve any issues you may have encountered. If you have any concerns, please contact us via email at [email protected]. You can also reach out to our live chat support, available Monday to Friday from 9 am to 8 pm EST or via email through the help center on melio.com. We value your satisfaction, and we are committed to delivering exceptional service that exceeds your expectations. Best, Team Melio

carmen
Head of Corporate Affairs in Italy
Restaurants, 201–500 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Melio softare is just great!

5.0 2 years ago

Comments: We have to process many payments per day and with Melio I was able to upload and pay our invoices timely and quickly

Pros:

This software is amazing and I like it because is user-friendly, quick and absolutely efficient.

Cons:

There are no cons for me! This software is absolutely adequate for our business

Melio Response

2 years ago

Hi Carmen, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful and easy to use. Best, Team Melio

Carisa
Accounting Manager in US
Accounting Software, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Melio Simplifies the Payables Proecess

5.0 last year

Comments: Melio has streamlined our accounting process internally and with our clients. it has given us the ability to work in remote situations and process payments for clients no matter where we are. The payment status and tracking has been key to making sure vendors receive payments and deposit them.

Pros:

Melio is an easy app to setup. It's integration into the accounting software is key. It is easy to use and customer service can help with any issues like Stop payments or reissuing payments which saves time on the payables side. It is a benefit that vendors can receive ACH or Checks all with a click of a button!

Cons:

The cost per check can be a con of the product, since we went from using it on its inception it was an inconvenience to have to start paying a fee per payment. however the application is still less expensive than the alternative products. The process time is a bit slow, you have to anticipate about 7 business days before payment is received by a vendor.

Melio Response

last year

Hi Carisa, thank you for sharing this review. We're happy to hear Melio has simplified the accounts payable process for your business. We'll be sure to pass this feedback along to our team. Best, Team Melio

Troy
Accountant in US
Accounting Software, 2–10 Employees
Used the Software for: 6-12 months
Reviewer Source

Lost our Money

1.0 3 years ago

Comments: We received notices from Melio for client scheduled payments for $2100 and $455 on [SENSITIVE CONTENT]. They were both in the list "In-Progress" on the Melio site/dashboard. [SENSITIVE CONTENT] we alerted by one client payment was rejected for no apparent reason (they paid ach) ($455). The other payment for $2100 and totally disappeared from the system - not in anywhere in the Melio dashboard (Paid, In -Progress, unsent or sent). I have grave concerns about their ability to handle transactions. I attempted to contact support but you cannot call - only chat or email and they are of course closed on the weekend. 1 star is for issues as well as lack of ability to contact them for urgent issues like this. This product while I had very high hopes still seems VERY BETA. Not going to gamble my money to help another company test their code.

Pros:

Low cost, simplicity of system, integration with QuickBooks online

Cons:

Support is a challenge. Software is unstable and buggy. Clients are declined for ACH - not sure how or why and payments just disappear ? Product is more beta than stable release.

Melio Response

3 years ago

Hi Troy, thank you for taking the time to share your experience. Upon taking a look, it appears our Risk & Compliance team was unable to support these transactions as they were personal in nature. As is clearly stated on our website, in our terms of service, and within our payment flow, Melio is strictly a B2B payment solution and, for regulatory reasons, can only facilitate payments where both parties are registered business entities. We can confirm our team has made efforts to reach you via email regarding the processing of these payments. For further assistance, please respond to our team directly at [email protected]. All the best, Team Melio

Alan
owner in US
Entertainment, 51–200 Employees
Used the Software for: 1-5 months
Reviewer Source

Good when it works, horrible when it does not

1.0 3 years ago

Comments: good idea when it works, horrible when it is does not.

Pros:

integrates well with QBO, pricing is great, easy to seup. When all work well is a good experience.

Cons:

Horrible, almost non-existent customer support. TWICE, in just a few months of using Melio, they have sent out duplicate payments that were only entered once by me. First time they caught it and notified me a few days later, second time (a few days ago), vendors started calling me saying they got paid for an invoice that they had already been paid for 2 weeks ago. First time dinged my account for $60K, this time $26K. No explanation on what happened either time. Spent 2 days on Chat with no help whatsoever and promises to call me never happened. No phone number to call to talk with anyone, just have to email and wait many days for replies. No one seems at all concerned that I can't pay my bills dues to vendors since they took $26K out of my account or may bounce a lot of checks. There MUST be a number to call someone in emergency situations like this.

Melio Response

3 years ago

Hi Alan, we are sorry to hear about your experience on our platform and would like to thank you for providing valuable feedback, which we will use to improve our product. Please send us your contact details to [email protected] so that a team member can reach out and resolve your issue. Sincerely, Team Melio

Kristen
Owner in US
Accounting Software, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

I wish I could give a better review

2.0 2 years ago

Comments: The software has developed a lot of bugs and customer support is severely lacking. I contacted support a month ago because I get an error message EVERY time I try to process a bill payment. If I log directly into Melio I can see that sometimes it has in fact gone through. Sometimes it does not and I have to initiate the payment directly from Melio. I manually mark the bill as paid in QBO and at some point the bill payment syncs so it looks like I have overpaid every invoice I process via Melio. I then have to go through each and figure out which payment is the correct one to remove from QBO. For smaller issues, I usually figure out a workaround before I ever hear back from support.

Pros:

I like that is used to sync with Quickbooks

Melio Response

2 years ago

Hi Kristen, we take issues with our user experience very seriously so please know our support team has escalated your concerns to our technical team and we're actively working on a resolution. Our support team can always be reached via live chat 9am- 8pm EST, Monday-Friday and please know we are here to assist you. We will be in touch soon. Best, Team Melio

Kelly
Owner in US
Accounting Software, 2–10 Employees
Used the Software for: 6-12 months
Reviewer Source

No Support - You Get A Lot Of Promises, But No Action

2.0 3 years ago

Comments: Absolutely the worst customer service. Why? because there isn't any. I have been trying since Dec to resolve an issue and it just keeps getting worse. The last straw was when I deleted my account and re entered it only to be connected to a former clients account that I have no access to at all. There was a 2 week period that I called every single day and left a message and never did I receive a call back. Just the worst! I've been on a chat with them this morning and they just stopped responding after a few minutes. So frustrating

Pros:

it worked great until you have a problem then everything comes to a complete stop with no help

Cons:

Support, there isn't any. They suspended a clients account but didn't notify us. When I finally reached someone who could help, I was told what to do and still nothing. This happened in Nov 2021 and still no resolution. I tried to delete my account and sign up again and it connected to a QB account that I have no affiliation with which is scary. They said they would look into it and nothing yet Four months later and nothing but empty promises

Melio Response

3 years ago

Hi Kelly, thanks for reaching out. Upon taking a look into your case, we can confirm it has been escalated to our Compliance team and they are looking into resolving it ASAP. Our Support rep did notify you on 3/17 that this can only be resolved by Compliance, and we assure you they are working diligently to resolve this as soon as they can. We apologize for any delay or inconvenience. Thanks for your patience! All the best, Melio

Dan
Founder in US
Nonprofit Organization Management, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Great product!

5.0 2 years ago

Comments: It's been excellent! It's a key part of my work with multiple clients!

Pros:

It's easy to use and inexpensive. When needed, the customer service is excellent.

Cons:

It would be useful to have the ability to pass on the $1.50 check fee to vendors who refuse to use an electronic payment option.

Melio Response

2 years ago

Hi Dan, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful and easy to use. Best, Team Melio

Verified Reviewer
Verified LinkedIn User
Design, Self Employed
Used the Software for: 1-5 months
Reviewer Source

They Cancelled My Account

1.0 3 years ago

Comments: Not dandy, not happy

Pros:

I have no idea if I cannot use it, I cannot know

Cons:

My client wanted to pay with a bank transfer, so I signed up for Melio. I set up the account, verify the deposit, all looked like it is working properly. Now my client signed the contract, I sent him a payment request, he paid and a day later I get notified that my account could not be verified and the payment won't go through. This is so embarrassing. Instead of them contacting me and request whatever proof they need, do this discreetly, and continue the process, they just kicked me off. I have no idea why. Why not at the time I signed up. Why am I verifying my bank account last week was not enough? It is a business account. This payment is business to business. My business has been around since 2011. I really don't know. Now I either have to find another payment method or somehow get this back working and ask my client again to pay. It is just not a reliable way for me to do business. They will wonder if I cannot even get their payment coming through what kind of service I will provide. That is a bad way to build trust with a new client. Thanks, Melio

Melio Response

3 years ago

Hi, our Risk & Compliance team determined we are unable to support your transactions. While we cannot publicly discuss the details of your case, if you would like to provide us with further information and appeal our decision you can reach out directly to: [email protected]. Sincerely, Team Melio

Tia
Owner in US
Writing & Editing, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Melio = Incomparable

5.0 last year

Comments: Before discovering Melio, I tried dozens of other products and found every single one of them lacking in some way. Either they were too expensive for what they offered or they didn't offer key features we needed. We didn't even need a lot! Just needed to be able to pay vendors and track payments. Direct deposit was a bonus! Melio provided everything and for the unbelievable cost of $0.

Pros:

Vendor payments, direct deposit, and account reports and the super low price.

Cons:

I wasn't able to make payments to my social media manager in Jamaica. That is the only thing I've been unable to do.

Melio Response

last year

Hi Tia, thanks for sharing this amazing review. We are glad to hear that you're finding Melio to be a resourceful tool. Here's an article that shares the countries you're able to pay using Melio and please don't hesitate to reach out to our support team via the help center with any questions. (https://melio.zendesk.com/hc/en-us/articles/4447132839442) Best, Team Melio

Christal
CEO in US
Accounting Software, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Melio Makes a Good Inexpensive Bill Payment Option

3.0 last year

Comments: Overall, Melio is good for small businesses and inexpensive option compared to other apps.

Pros:

Melio is easy to setup and use in small businesses. Scheduling payments is easy, and it integrates with QBO.

Cons:

I wish it was more detailed in setting up approvals process for employees.

Melio Response

last year

Hi Christal, thank you for sharing this review. We're happy to hear you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team. Best, Team Melio

Verified Reviewer
Verified LinkedIn User
Internet, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

I recommend melio

5.0 2 years ago

Comments: Excellent! I am very satisfied with Melio and will recommend it

Pros:

it Work on receipt installment companies, contractors, and free or low-cost bank transfers.Pratical for beginners because of There are no ongoing monthly fees.

Cons:

So far, everything has gone well, without any complications.

Melio Response

2 years ago

Hi there, thank you for leaving this review. We are happy to hear this has been your experience with Melio. Best, Team Melio

James
CEO in US
Design, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

Simplify Accounts Payable

5.0 2 years ago

Comments: Melio has simplified our accounts payable process. We have sent less than 20 checks during the last 2 years that we have been using Melio, down from hundreds of checks written and mailed in the years before. Simple to use, with some additional features that are sometimes needed, including "fast" ACH.

Pros:

Melio is simple to use, fast to set up, and has allowed us to stop sending 90% of the checks we used to send. We have found that most of our vendors and contractors prefer electronic payments instead of paper checks.

Cons:

Does not integrate with Quickbooks Desktop software.

Melio Response

2 years ago

Hi James, we're so happy to hear that you find Melio useful and easy to use. Thank you for sharing your review with us and the community. Best, Team Melio

Verified Reviewer
Verified LinkedIn User
Accounting Software, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Best AP software that connects to all banks

5.0 last year

Pros:

Qbo integration is Amazing and can have a firm account with many users permissions

Cons:

Takes longer for ach processing as vendors expect it sooner

Melio Response

last year

Hi there, thank you for taking the time to share your experience with Melio. We're thrilled to hear that you find Bill Pay powered by Melio in Quickbooks resourceful. We appreciate your feedback. Best, Team Melio

Barb
Bookkeeper in US
Accounting Software, Self Employed
Used the Software for: 6-12 months
Reviewer Source

Good System - Needs some tweaks

4.0 4 years ago

Comments: I have onboarded 2 clients. The first one went well. The second one did not. We had to verify the bank account the deposits did not come through. I kept getting different answers from customer service. Sometimes saying they had gone out, and sometimes saying they had not gone out yet. Back and forth. I think it took about 10 days for them to finally send them out. I still don't know why.

Pros:

Very inexpensive way to send ACH payments. ACH is free. Paying with a CC is not, but that's not surprising. Ability to sync bills/payments to/from Quickbooks Online.

Cons:

All payments/bills have to be paid one at a time even if it's the same vendor. Need a way to pay more than one at once to be more efficient. No good reports to see what payments have been sent out.

Melio Response

4 years ago

Hi Barb, thank you for posting this review and providing us with valuable feedback. We will pass your input along to the relevant teams. We are sorry to hear about the issue you had but are glad it was finally resolved. Happy to hear you find Melio helpful and cost-effective. All the best, Team Melio