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What is Melio?

Melio is a web-based accounts payable software that lets you conveniently pay bills via bank transfer for free, even for vendors who only accept check payments.

Melio deposits or mails checks to vendors on your behalf with no delivery charges. You can also defer payments by paying with your credit card with a transaction fee of 2.9%. Using your credit card to settle payments not only allows you to earn card rewards but also take advantage of 45 days of float until your next credit card billing cycle.

Melio is a free solution you can use immediately on any internet-enabled device such as your laptop or smartphone. This works perfectly for busy entrepreneurs and professionals who are looking for a way to pay bills and manage cash flow on the go without spending a huge portion of their budgets on expensive accounts payable software.

Melio comes with payment scheduling features that help you set automatic payments so you don’t have to worry about late payments or paying too early. It also has payment approval workflows so you can invite users or your accountant to access the platform while still having full control of transaction approvals. It integrates seamlessly with QuickBooks accounting software and allows paying with any credit card or bank in the US.

Melio Awards

Melio currently scores 90/100 in the Payments & Invoicing category. This is based on user satisfaction (92/100), press buzz (45/100), recent user trends (rising), and other relevant information on Melio gathered from around the web.

The score for this software has declined over the past month. What is this?

Regional Restrictions: USA

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Payments & Invoicing Market Radar

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Melio Product Overview

  • We are Free - Free ACH payments and receivables - No sign-up or monthly subscription fees for you, your client, or their payment recipients. Pay with a bank transfer for free, or with a credit card for a 2.9% fee. Free up cash by paying with a credit card

  • Pay with credit cards even if your payment receivers don’t accept them - Get rewards and take advantage of up to 45 days of float until your next credit card billing cycle.

  • QuickBooks Integration - Eliminate dual data entry with automatic two-way sync for all your bills and bill payments with QuickBooks Online.

  • No sign-up required - Your vendor doesn’t even have to be a Melio user or pay any fees in order to receive payments

Languages Supported: English
Regional Restrictions: USA

Payments & Invoicing Software Buyer Guide 2023

Product recommendations, vendor rankings, market overview and tips on how to select Payments & Invoicing software for business. Published in March 2023.

Payments & invoicing is the lifeblood of a business when it comes to accounting and finance. Without effective payments and invoicing management, a business will not be able to track its income and expenses. At the same time, they will lose track of the...


Melio Features

  • 2-Factor Authentication
  • Accounts Payable
  • Accounts Receivable
  • API
  • Balance Sheet
  • Billing/Invoicing
  • Budgeting
  • Calendar Management
  • Contact Management
  • CRM Integration
  • Customer Management
  • Dashboard
  • Data Export
  • Data Import
  • Data Visualization
  • Expense Tracking
  • External Integrations
  • Forecasting
  • General Account Ledger
  • Inventory Tracking
  • Multi-Currency
  • Multi-User
  • Notifications
  • P&L
  • Payment Processor
  • Payroll
  • Scheduling
  • Supplier Management
  • Tax Management
  • BitCoin
  • PayPal
  • Stripe
  • SAP Integration

Melio FAQs

What is Melio generally used for?

Melio is a free vendor/bill payment tool that maximizes cash flow and minimizes busy work. Pay any vendor using bank transfer for free even if they only accept checks! You can also use your credit card where cards are not accepted to hold onto your cash longer and earn card rewards! Accounts Payable re-invented. Melio automatically syncs with your QuickBooks and even mails checks on your behalf to vendors so you don't need to cut checks anymore.

Does Melio offer guides, tutorials and or customer support?


Does Melio offer an API?

No. Currently, we only integrate with Quickbooks.

Does Melio integrate with any other apps?

Yes. Quickbooks.

Who are the main user groups of Melio?

Small business owners, accountants, and bookkeepers in the US. Any business owner that wants to maximize cash flow and minimize busy work through smarter payments.

What platforms does Melio support?


What are some applications Melio is commonly used in tandem with?


Does Melio offer multi-user capability (e.g. teams)?


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Melio Alternatives

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