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Josh P.
Advisor, 7 years

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Updated January 19, 2026
BILL Accounts Payable & Receivable vs Melio: Which is best for you?
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1 million+ businesses helped
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Starting Price
$49.00
per month
$25.00
per month
Free Trial
Free Version
Screenshots
and Demo
and Demo
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Top Rated
Features
Features
Data Security
4.62
ACH Payment Processing
4.55
Online Payments
4.45
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For Small Businesses
4.86
Dashboard
4.80
PCI Compliance
4.71
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Integrations
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Pros / Cons
- It has streamlined our spend/expense workflow, integrates with Quickbooks Desktop, etc.
- BILL Accounts Receivable has the most basic, bare bone features available and it is very apparent that the customer service is outsourced.
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- For my type of business, where I work with different service providers and need quick, reliable payments, Melio has been a great tool.
- more than once I didn't ACTUALLY send a payment that I thought I did, because their process involves several steps of confirmation and the last step looks like a confirmation page... but you have to actually scroll down to the bottom of the page and approve the payment one more time, before it will be sent. And the page is formatted just long enough that the button is not visible on a regularly sized browser screen, you have to scroll down to see it).
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Ease-of-Use
4.2/ 5
Highest performing feature
in the comparison
4.3/ 5in the comparison
Value for Money
3.9/ 5
Highest performing feature
in the comparison
4.3/ 5in the comparison
Customer Support
3.8/ 5
Highest performing feature
in the comparison
4/ 5in the comparison
Functionality
4.1/ 5
4.1/ 5
Support Options
Email/Help Desk
FAQs/Forum
Knowledge Base
Phone Support
24/7 (Live Rep)
Chat
Email/Help Desk
FAQs/Forum
Knowledge Base
Phone Support
24/7 (Live Rep)
Chat
Training Options
In Person
Live Online
Webinars
Documentation
Videos
In Person
Live Online
Webinars
Documentation
Videos
FrontRunners
N/A
FrontRunners 2026
Advisor
Recommendations
Recommendations
N/A
N/A
Ideal Customer Size
Small
Medium
Large
Small
Medium
Large
Deployment Options
Cloud, SaaS, Web-Based
Desktop - Mac
Desktop - Windows
Desktop - Linux
Desktop - Chromebook
On-Premise - Windows
On-Premise - Linux
Mobile - Android
Mobile - iPhone
Mobile - iPad
Cloud, SaaS, Web-Based
Desktop - Mac
Desktop - Windows
Desktop - Linux
Desktop - Chromebook
On-Premise - Windows
On-Premise - Linux
Mobile - Android
Mobile - iPhone
Mobile - iPad