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Melio
4.6
(135)
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Melio Reviews & Product Details

Melio Overview
What is Melio?

Melio is a free & simple bill pay solution for small businesses, accountants, and bookkeepers. Pay any business expense with just a few clicks.

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Melio Product Details
Segment
Small Business
Mid Market
Freelancer
Ease of use
Beginner
Intermediate
Deployment Cloud / SaaS / Web-Based
Support Email/Help Desk, FAQs/Forum
Training Documentation
Languages English
Melio Media
Disclaimer
Our research is curated from diverse authoritative sources and meant to offer general advice. We don’t guarantee that our suggestions will work best for each use-case, so consider your unique needs when choosing products and services. Feel free to share your feedback.
Last updated: January 20, 2025
Melio Logo
135 Melio Reviews
4.6 out of 5
Small Business (50 or fewer emp.)
Jan 03, 2023
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Reliable Payment Portal"
What do you like best about Melio?

I like that Melio is extremely easy to navigate and use for AP.

What do you dislike about Melio?

I do not like having to reach out to the support team to void a payment or a check.

What problems is Melio solving and how is that benefiting you?

It wasn't as easy to bulk pay bills in our other payment portal as it is while using Melio - that is the best part.

Small Business (50 or fewer emp.)
Aug 02, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"ACH + Contributor permissions as it should be"
What do you like best about Melio?

Let's be honest: As owner of a small company, life can be hectic and challenging and traditional banks don't necessarily have your back. Depending on who you are banking with, Melio is an excellent value add on and provides functionalities most regular bank or won't. In a nutshell: you can finally schedule ACH payments for free. Secondly, you can assign "collaborators", being Admin, Accountant or Contributor with varying permissions. Meaning, you can delegate payments to someone in your organization, without them having access to everything and set security thresholds for transfers, etc.

What do you dislike about Melio?

There is a little trick to make payments go out faster that is not well explained: If you add a "bank account", outgoing payments will take a few business days. If you find the "add debit card" under "add bank account" (instead of under "add credit card" where you instinctively might think it is), then payments go out the same or the next business day if scheduled before the cut-off time of 12pm EST. This could be explained a little better. You have to kinda stumble on it to find out.

What problems is Melio solving and how is that benefiting you?

Melio is an excellent Payment solution that allows scheduling of payments at future dates. My regular bank is a little backwards and doesn't provide that feature.

Small Business (50 or fewer emp.)
Jul 08, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Melio for Small Biz"
What do you like best about Melio?

Very easy set-up for paying contractors and vendors with no additional cost!

What do you dislike about Melio?

None so far and we have been using for a few months

What problems is Melio solving and how is that benefiting you?

Paying contractors, syncing with QuickBooks, and not being inundated with fees per user.

Small Business (50 or fewer emp.)
Jul 06, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Right Sized" for small business"
What do you like best about Melio?

Free and dependable service. I use this monthly and have had no issues.

What do you dislike about Melio?

Nothing yet. I have not found anything at all to dislike.

What problems is Melio solving and how is that benefiting you?

Allows me to move money seamlessly and dependably to consultants.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Super easy to use"
What do you like best about Melio?

Easy to schedule payments, add vendors, ditch the check signing and do ACH

What do you dislike about Melio?

More security features perhaps like double authorizations over certain amounts, etc.?

What problems is Melio solving and how is that benefiting you?

Save time from mailing checks

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Very easy to use!"
What do you like best about Melio?

Melio allows us to pay our contract workers without mailing a check. We were having so much trouble with the mail and this goes straight to their bank account.

What do you dislike about Melio?

The only downside to using Melio is that it takes a few days to hit the checking account of the person you are paying. However, they have the option to get it right away if they want to pay a small percentage.

What problems is Melio solving and how is that benefiting you?

Melio means that we don't have to depend on the postal service! Our contractors are getting paid quicker.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"The best option out there for this type of solution"
What do you like best about Melio?

Melio is easy to use, functional, quick to work out the kinks & free

What do you dislike about Melio?

As a new solution, there can be some quirks as the connection with QBO is established but most of those get fixed quickly

What problems is Melio solving and how is that benefiting you?

Getting the bills paid & free in the process - that in and of itself is huge

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great Payment Service!"
What do you like best about Melio?

I love how easy it is to enter a new supplier's invoice info and set up an ACH Payment. If transfer time is less important, no fee is charged for transfer.

What do you dislike about Melio?

If not using a fee based transfer, the payment take a little longer.

What problems is Melio solving and how is that benefiting you?

Melio provides a reliable and trusted method to pay vendors directly from your bank account.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Melio has been so very helpful!"
What do you like best about Melio?

I love how easy it is to send money direct deposit. And there are no fees! It's absolutely incredible, and very easy to use, and I really love Melio. And that's the truth.

What do you dislike about Melio?

I don't find any donwnsides. It's really simple to use, and it's really user friendly.

What problems is Melio solving and how is that benefiting you?

Melio has solved the problem of finding a great way to transfer money without fees.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"This system is quick and easy to use."
What do you like best about Melio?

We like the ease and functionality of Melio for paying our instructors.

What do you dislike about Melio?

At this point I don't have any dislikes to share.

What problems is Melio solving and how is that benefiting you?

Making it easy to pay and track payment to our team.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easiest form of Payments"
What do you like best about Melio?

Melio is the easiest form of an app to make any payments or send checks for your bills. It is a free app to do payments or receive payments. It's convenient to send payments from one business to another.

What do you dislike about Melio?

Melio processing payment from bank to bank takes 3 business days it can be improved to 1 business day if all the information is correct. Also, it needs an app presentation more attractive.

What problems is Melio solving and how is that benefiting you?

I have set up all my office rent payments through Melio which is very easy and beneficial. I just go into the app every 1st of the month and make the payments for all my offices.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Amazing service!"
What do you like best about Melio?

I love that I can so easily pay subcontractors with Melio and it takes me only a few moments. It is so much easier than writing checks. Plus it also integrates with QuickBooks which is pretty amazing as well. I've talked about the service with multiple colleagues and they also love it and are using it! To me it's like being able to venmo or Paypal easily and legally for my business.

What do you dislike about Melio?

nothing, it's amazing. I love how easy it is to send and receive payments.

What problems is Melio solving and how is that benefiting you?

Paying my contractors quickly and efficiently and not having to waste time mailing checks. I also love that it so easily to keep track of invoices with quickbooks

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"User Friendly & Free Way to Process Invoice Payments"
What do you like best about Melio?

It is free, has a user friendly format for entering invoices and submitting payments. It keeps you notified with payments that are being processed and/or need to be accepted. I am yet to sync it to Quickbooks but happy to know you can also have it auto enter invoices and payments -Quickbooks invoices don't even do that efficiently!

What do you dislike about Melio?

It is sometimes difficult to find a vendor even if they are set up on Melio. Sometimes you have to enter all their information for them to be notified via email, rather than just looking them up.

What problems is Melio solving and how is that benefiting you?

Melio added the entire beer, wine and liquor distributors directory onto my list of vendors which has helped with finding Melio vendors.

Small Business (50 or fewer emp.)
Jul 05, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Easy to use!"
What do you like best about Melio?

It has an intuitive interface and easy-to-navigate features.

What do you dislike about Melio?

Not much to dislike! Like I said, it is very easy to use and navigate.

What problems is Melio solving and how is that benefiting you?

It allows us to have multiple signers for various vendors.

Small Business (50 or fewer emp.)
Feb 07, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Excellent Excellent Platform!"
What do you like best about Melio?

My AP process went from an hour to 15 minutes because of Melio. The sync is phenomenal with QB and I have yet to have an issue. Payments happen when they say they will and there's even a chance to rush payment, crucial! I can't imagine not having this forever!

What do you dislike about Melio?

The only issue I've come across is not being able to change the link we send vendors to make payments. We have to remove our banking and then add it again if we do want to change and that just seems too tedious.

What problems is Melio solving and how is that benefiting you?

AP no longer needs to be a parttime job. It's quick and easy and anybody can use it!

Small Business (50 or fewer emp.)
Feb 06, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"The best app to process AP and ACH transactions"
What do you like best about Melio?

Melio is my firm's preferred app to manage payments for our clients. It's simple interface, and secure transactions, streamline our AP workflows and improves the vendor experience. We would recommend Melio without hesitation.

What do you dislike about Melio?

Would like a better interface for non-cloud accounting software.

What problems is Melio solving and how is that benefiting you?

Making ACH payments without logging into client bank accounts. Automating entering bills into accounting software.

Small Business (50 or fewer emp.)
Feb 03, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Free platform, intuitive interface, responsive support team. Win win win1"
What do you like best about Melio?

The response time and personal touch that comes with the client support team.

What do you dislike about Melio?

My first transaction exceeded a threshold for a first-time transaction with Melio, and it required additional verification & processing time. At the time, I didn't notice any publically available guidelines, but thankfully, the security team and the client support team were timely in answering my questions to validate the transaction.

What problems is Melio solving and how is that benefiting you?

The platform provides the most intuitive interface for paying my B2B clients and vendor invoices with my credit cards. It enables me to build my credit card spending power, manage cash flow, and do so with a responsive client support team when needed.

Small Business (50 or fewer emp.)
Feb 03, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great Customer Support"
What do you like best about Melio?

I've used several payment services and by far Melio provides the most responsive customer service.

What do you dislike about Melio?

I appreciate the convenience of Melio but am not a fan of the credit card fees

What problems is Melio solving and how is that benefiting you?

Melio provides a convenient invoicing and payment system

Small Business (50 or fewer emp.)
Feb 02, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Excellent Product"
What do you like best about Melio?

No-fee ACH, the platform is very helpful in generating clear links for my clients to pay.

What do you dislike about Melio?

Connection with Quickbooks isn't as great as I hoped. Invoices updated after initial creation don't get updated. It's also strange that certain Quickbooks plans don't work

What problems is Melio solving and how is that benefiting you?

Solves the online payment option for ACH with no fee. Solves the clean online payment option that clients are comfortable with.

Small Business (50 or fewer emp.)
Feb 02, 2022
 Source
Overall Rating:
5.0
AG
Verified Reviewer
Founder
Share
"Great product"
What do you like best about Melio?

It's mostly free to send ach and other payments

What do you dislike about Melio?

They should be more transparent. I got paid by Melio and got an email that I can get paid quicker by debit card. But the fee was not disclosed only after the fact.

What problems is Melio solving and how is that benefiting you?

Same as with other payments systems. Making smooth payments to vendors

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