Melio Review, Pricing, Features with Pros and Cons

In this Melio review, you'll find more information about its features, pricing, pros and cons and why you should consider using it.
9.1/10 (Expert Score)
Product is rated as #2 in category Accounts Payable
9.1Expert Score
A Simpler Way to Pay Vendors and Contractors.

Melio is a business payment platform that simplifies the process of managing and making payments for vendors, contractors, and suppliers. It streamlines the payment workflow, offering flexibility and convenience to businesses of all sizes.

Customer support
Value for money
Ease of use
  • It streamlines business payments, saves time, and reduces complexity
  • Allows integration with popular accounting software
  • Allows multiple payment options for flexibility and efficient cash flow management
  • It prioritizes security with advanced encryption and secure protocols
  • It has a user-friendly interface for easy navigation and a pleasant user experience
  • It has limited international payment options, focuses only on US-based transactions
  • Certain useful features may require a paid subscription
  • Customer support response times vary and cause delays in issue resolution
  • It may not be suitable for businesses with complex payment structures or specialized payment needs
  • Some users may experience occasional technical glitches or system maintenance periods.

Managing payments can be a hectic task, causing unnecessary stress and consuming valuable time in this fast-paced world. But it is at the same time most important for any business to run properly.

Because you have to manage your payments and keep an eye on your profits and expenses. If you don’t do so, there are chances that you may lose all your money without even knowing it.

Or you may make payments to the wrong addresses or accounts. That’s why managing your payments is a very important thing to do.  It is a difficult task, that is why you may need assistance with it.

And to provide you assistance with your payments, Melio is the platform that offers you the services that you require.

This platform is responsible for managing all your payments and you can stay tension free from your payments.

Click on “open” if you want to see exactly what we will talk about in the rest of this article.


What is Melio?

Melio is a platform that simplifies business payments by streamlining the entire process and enabling you to focus on what truly matters, that is, growing your business. It has revolutionized the way you handle payments by providing a comprehensive and user-friendly platform.

You can easily pay vendors, contractors, and suppliers with just a few clicks. It eliminates the hassle of writing checks or dealing with complex payment systems. So, you can get rid of the manual processes and welcome the efficiency of online payments.

Melio also allows integration with popular accounting software such as QuickBooks which makes reconciliation and bookkeeping an easy task.

The platform automatically syncs payment details and provides real-time updates, ensuring accurate and up-to-date financial records. It also offers multiple payment options.

You can make bank transfers or pay with a credit card; the choice is yours. This flexibility allows you to manage cash flow efficiently while earning credit card rewards or extending payment terms when needed.

Melio prioritizes security and safeguards sensitive financial information. It utilizes advanced encryption and security protocols, ensuring that your payment transactions are protected. So, we can say that Melio is a game-changer in the realm of business payments.

It has a user-friendly interface, allows integrations, provides multiple payment options, and has enhanced security measures, simplifying the payment process and freeing up your valuable time.

It empowers you to take control of your payments and experience the ease and efficiency of modern payment solutions.

Melio specifications

FeaturesAccounting software sync / Approval Workflows / Combine payments / Credit card rewards / Dedicated Customer Support / Easy bill capture / International payments / Partial Payments / Pay all bills on your terms / Payment Notes and Messages / Payment Reminders / Payment Scheduling / Payment Tracking and Reporting / Secure Checks / Vendor Management
Best suited forSmall businesses, Mid size businesses, Large enterprises
Website languagesEnglish
Website URLVisit official website
Support linkSupport page
Live chatNo
Company addressNew York, New York, United States
Year founded2018


Melio pricing: How much does Melio cost?

Melio does not offer any specific pricing plans. It just balances free services with additional paid features, providing you with flexibility and options

The platform offers free services that allow you to make a certain number of payments per month at no cost. This is a great option for small businesses or those with lower payment volumes. And if you require more advanced features, Melio offers a number of paid services as well.

These additional benefits include ACH bank transfer, mail your check, Pay by card, Fast ACH bank transfer, Fast check, international payments, and access to priority customer support.

The pricing for the paid features is competitive and designed to suit the needs of businesses of various sizes. Although the free plan provides value, it is important to note that certain features are only available through the paid subscription.

Businesses with more complex payment needs or those seeking enhanced functionality may find the paid features worth the investment.

So, it does not matter whether you choose the free plan or opt for the paid subscription, Melio remains a convenient and efficient solution for simplifying business payments.

Pricing rangeFrom $1 to $20
Pricing typesCommission based
Free planNo
Free trialNo
Money back guaranteeNo
Pricing page linkSee plans

Melio pricing plans


Free features that come with every Melio account:

  • Unlimited users
  • Accounting software sync
  • Approval workflows
  • Easy bill capture
  • Payment tracking & updates
  • Data & form export
  • Bills management
  • Custom payment requests

Paid Features

It includes all the free features, plus:

  • ACH bank transfer for free
  • Receive your checks by mail at USD $1.50, only first 2 checks are free
  • If you choose to Pay by card, then it may cost you 2.9% of the amount
  • For Fast ACH bank transfer, you will be charged 1% of the amount
  • For Fast checks USD $20 will be charged
  • For International payments USD $20 will be charged


Melio features: What can you do with it?

Pay all bills on your terms

Melio puts you in control by allowing you to pay all your bills on your own terms.

It simplifies the process and gives you the flexibility to pay vendor invoices, contractor payments, or supplier bills when it is convenient for your business.

Accounting software sync

Melio allows integration with popular accounting software like QuickBooks.

The platform automatically syncs payment details, keeping your financial records accurate and up-to-date, and saving your valuable time.

Approval Workflows

You can set up customized workflows that align with your business hierarchy, ensuring that payments go through the necessary channels for review and approval.

This feature enhances control and accountability, reducing the risk of unauthorized payments.

Easy bill capture

Melio simplifies bill capture by allowing you to upload bills and invoices directly to the platform.

Through advanced optical character recognition (OCR) technology, Melio automatically extracts relevant details, making bill management an easy task.

Credit card rewards

Melio gives you the opportunity to earn credit card rewards while making business payments.

By paying with your credit card through Melio, you can maximize your rewards and potentially gain additional benefits that help you make the most of your business expenses.

International payments

You can send payments globally, facilitating transactions with international vendors, contractors, or suppliers. Melio helps you to make cross-border payments with ease.

Combine payments

Melio simplifies the payment process by allowing you to combine multiple payments into a single transaction.

Instead of managing numerous individual payments, you can consolidate them into one, saving time and reducing administrative overhead.

Partial Payments

Melio offers the option to make partial payments. You can pay vendors or suppliers in installments or partial amounts which helps you in accommodating cash flow constraints or specific payment arrangements.

Secure Checks

Melio provides the convenience of secure checks. You can easily generate and send digital reviews directly from the platform which reduces the need for paper checks and minimizes the risk of loss or fraud.

Melio ensures that your payment transactions remain secure and protected.

Payment Reminders

Melio sends automated payment reminders to help you stay updated about your payment obligations and avoid late fees or penalties.

Payment Scheduling

You can schedule payments in advance. It allows you to manage your cash flow effectively while ensuring timely payments.

Vendor Management

Melio provides a centralized vendor management system, making it easy to store and manage vendor information, track payment history, and maintain accurate records.

Payment Notes and Messages

You can add notes and messages to payment transactions or add context to the payment for easy reference.

Payment Tracking and Reporting

Melio offers real-time tracking and reporting features, providing you with insights into your payment history, pending payments, and overall payment trends.

Dedicated Customer Support

Melio provides dedicated customer support to assist you with any questions or issues that you may encounter, ensuring a smooth and reliable payment experience.


Melio review: Why you should use it?

Melio is a powerful and user-friendly platform that simplifies business payments, empowering you to manage your finances efficiently and securely.

It offers features like flexible payments, accounting software integration, and approval workflows, which help streamline the payment process and reduce administrative burdens.

Its ability to capture bills facilitate international payments, and the convenience of security checks make it a comprehensive solution for businesses of all sizes. 

Melio provides the tools and flexibility needed to optimize payment workflows for all small businesses or larger enterprises. Experience the ease and control of modern business payments with Melio.


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Melio Review, Pricing, Features with Pros and Cons
Melio Review, Pricing, Features with Pros and Cons

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