About Melio

Category: Online Invoicing
Melio Payments is an online solution that helps you plan and manage your business payments. In addition to ensuring that you clear the financial settlements within an optimized time frame, this software also allows your business to navigate credit card transactions without stress.

Company: Melio Payments

Melio is a SaaS company that started with a mission of democratizing payments.  Their flagship software plans to level the B2B commerce field and empower small businesses worldwide.

In-Depth Analysis

0 Overall
Price 5.0
Ease Of Use 4.5
Features 4.0
Support 4.0


  • No subscription fees
  • Bank transfers & check payments are free of charge
  • Scheduling of multiple payments on different days


  • Only support payments in the US
  • Limited integrations other than QuickBooks
  • Limited information about customer support & times

Melio Comparisons

Plans & Pricing

While Melio does not require any fee for set up, it charges the users 2.9% on every credit card transaction they carry out. Fundamentally, this software features two different plans – the Accountant and Business plans. While the Accountant plan is tailored to meet the needs of accountants who manage other people’s finances, the Business plan is designed for business owners who prefer to manage their own disbursements.

per transaction
FREE bank transfers
per transaction
FREE bank transfers
Ease of Use

Melio Payments has an easy-to-use interface. You can sign up in seconds, and it doesn’t take long to add vendor details. Afterward, you can easily navigate across the software, and find everything you need to use its features.

Customer Support

Melio Payments provides assistance to its users via phone calls, emails, and live messaging. Additional support includes regular blog posts.

Phone Support
Phone Support
Users can receive assistance via phone calls
Live Online Chat
Live Online Chat
Live chat is provided through Melio dashboard
Users can email Melio at support@meliopayments.com
Video Tutorials
Video Tutorials
There are a number of videos available on YouTube.
Comprehensive list of frequently asked questions on Melio's site.
Features & Functionality
General Features

The features of Melio are typical of any efficient payment management system. These features and benefits include, but are not limited to:

  • Payment approval
  • Integration with QuickBooks Online
  • Payment scheduling
  • Payment tracking
  • Easy to use payment method update
  • 1099 forms
  • Client profile management
  • User-Friendliness

Melio Payments is one of the most intuitive digital payment solutions on the market. It allows you to sign up and input your account details and those of your vendors in a matter of minutes. After setting up the relevant data, you’ll find that the entire program is relatively easy to navigate.

Payment Handling and Organization

Late payment settlement can have a devastating implication for business relationships. On the other hand, paying too soon reduces your business cash flows, as you will have less money to yield profitable returns on investments. Hence, to enhance efficient business relationships and cash flows, your business will need to harness the power of a reliable payment structure.

Melio Payments help you optimize your payment structures by offering you a stress-free means of scheduling your payments in advance. All you need to do is put in the various payment you need to make, their respective recipients, and due dates. Melio automatically deducts the payment amount from your account at your specified payment dates, disburses the exact amounts to your suppliers and dealers, and then sends you a notification stating when the payment would be completed.

One excellent feature of completing payments with Melio is that you can carry out multiple payments all at once. And all payments will be attended to at their due dates.

Client Profile Management

In addition to offering payment solutions to business owners, Melio is also designed for people who oversee other people’s ventures. This software allows accountants to organize and run payments for their different patron companies. Its UI also makes it easy for finance managers to move from one client’s financial profile to the other without logging out all the time.

Credit Card Remittance

It is no longer news that some dealers and suppliers are picky when receiving credit card payments. Some accept certain cards and reject some others. Melio helps you navigate transactions with selective suppliers by charging your payment amounts directly from your card (irrespective of the type) and then remitting the specified amounts to your dealers.

Nevertheless, for each credit card transaction you make on Melio, you get to pay a service charge of 2.9% of the transaction value. You can even enjoy charge-free transactions if you qualify for discounts and rewards.

Permissions and Roles

For every growing business, there comes a time when owners will begin to delegate specific responsibilities to third parties. This delegation is so that you can give rapt attention to revenue generation and profit maximization. Coincidentally, payment management happens to be one responsibility that is often assigned to third parties in most businesses.

If you decide to hand over the control of your payments to third parties, Melio has been designed to facilitate such processes. All you need to do is to invite the parties involved and adjust their permissions and roles for your payments.

  • Customizing your invoice
  • Tracking Invoice Views
  • Customizing invoice payment terms
  • Offer Discounts
  • Estimates
  • Recurring Invoices
  • Multi-Currency
  • Multi-Language
  • Client Portal
  • Send Emails
  • Automated Tax Circulations
  • Invoice Previews
  • Banking Data Synchronization
  • Send receipts to customers
  • Online payments
  • Late Payment Fees
  • Track refunds and credits issues
  • Deposit Payments
  • Track Offline Payments
  • Credit Card Payments
  • Auto Payment
  • Payment reports
Time Tracking
  • Automated bills for tracked hours per project
  • Different Rates for each Project
  • Generate Invoices
  • Timer
  • Tracking against clients and projects
Track Expenses
  • Record Expenses
  • Record Mileage
  • Generate Invoices
  • Recurring Expenses
Supported Devices
  • Windows
  • Android
  • Linux
  • iPhone/iPad
  • Mac
  • Web-Based
Pricing Model
  • Monthly Payment
  • One-Time Payment
  • Annual Subscription

Melio Payments is your one-stop platform if you intend to manage all your business payments and receipts from one place. You don’t get to spend a dime for your payments, except when you’re using credit cards. And even at that, the bonuses and discounts usually offered to Melio users could help wipe off your credit card transaction fees to a great extent. Melio does not facilitate payments outside the United States and can only sync with QuickBooks. Nevertheless, if you’re out to acquire intuitive software that will ease off your payment burden and won’t cost you a fortune, then Melio will be good for you.

Murad Jaffery
Author: Murad Jaffery
Murad Jaffery is a chartered accountant specializing in the field of accounting and finance. He has been writing on these areas for nearly a decade, and is also an accounting tutor. He holds master’s degrees in accountancy and English literature. Murad enjoys traveling and reading.

Melio User Reviews

Angela M
Consumer Goods, 11-50 employees
Used for: 6-12 months
26 Jul - 2021

Simple & Easy

Payments to vendors can be scheduled well in advance. This simplifies the process of completing the end-of-month task items for our organization. In addition, the user interface is extremely intuitive and easy to use. Unlike many other payment processors, Melio supports both credit cards and ACH transfers. ACH transfers have extremely low fees.


Free bank transfer

Richard G
02-10 employees
Used for: 1-2 years
26 Jul - 2021

Fantastic software

I save a lot of time using Melio, the price is great, and customer service has reached out to me multiple times to inform me of new features.


I would like to see more integration with Quickbooks. In some cases, the software fails to recognize a new vendor's invoice when you drop it.

Mary L
No employees
Used for: Less than 6 months
26 Jul - 2021

Easy for my needs

I like how easy it is to use. Also, I like that it offers customers/clients payment options that PayPal does not, such as accepting credit/debit cards without creating an account.


Customer service wasn't so responsive.