Melio Review 2025

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.

Melio Online Invoicing Plans & Pricing

Go
$0
/mo /user
Core
$22
/mo
+$10/mo/employee
Boost
$47
/mo
+$10/mo/employee
Unlimited
$68
/mo
+$10/mo/employee

Melio Comparison

Expert Review

4.4
Price
5.0
Ease Of Use
4.5
Features
4.0
Support
4.0

Pros

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

Cons

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

Melio Online Invoicing's Offerings

Melio offers flexible online invoicing and bill payment solutions tailored to businesses of all sizes. All plans include key features like ACH payments, international transfers, and free accounts receivable tools such as invoice creation, branded invoices, and payment links. As you move up tiers, you gain access to advanced capabilities like accounting software integrations, automated workflows, batch payments, approval controls, and premium support—making it easy to streamline financial operations and manage vendor payments efficiently.

Customer Support

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

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.

v-pro
Customizing your invoice
v-pro
Tracking Invoice Views
v-pro
Customizing invoice payment terms
x-con
Offer Discounts
x-con
Estimates
x-con
Recurring Invoices
x-con
Multi-Currency
x-con
Multi-Language
x-con
Client Portal
v-pro
Send Emails
x-con
Automated Tax Circulations
v-pro
Invoice Previews
x-con
Banking Data Synchronization

Payments

Process payments seamlessly with integrated systems.

x-con
Send receipts to customers
v-pro
Online payments
x-con
Late Payment Fees
x-con
Track refunds and credits issues
v-pro
Deposit Payments
x-con
Track Offline Payments
v-pro
Credit Card Payments
v-pro
Auto Payment
v-pro
Payment reports

Time Tracking

Track time spent on projects for accurate billing.

x-con
Automated bills for tracked hours per project
x-con
Different Rates for each Project
v-pro
Generate Invoices
x-con
Timer
x-con
Tracking against clients and projects

Track Expenses

Keep a close eye on expenses for better financial management.

x-con
Record Expenses
x-con
Record Mileage
v-pro
Generate Invoices
x-con
Recurring Expenses

Supported Devices

Available on multiple devices for accessibility.

v-pro
Windows
v-pro
Android
v-pro
Linux
v-pro
iPhone/iPad
v-pro
Mac
v-pro
Web-Based

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.

Verdict:

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.

User Review

4.0
5
0 Users
(0)
4
3 Users
(3)
3
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2
0 Users
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1
0 Users
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3 Reviews
1-10 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.
Dislike:
  • Customer service wasn't so responsive.
1-10 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.
Dislike:
  • 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.
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.
Like:
  • Free bank transfer
  • easy-to-use