Melio 2026: Benefits, Features & Pricing

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On this page

Overview
Pricing and Plans
Features
Integrations
User Reviews

Overview

Melio

4.2

(400)

FrontRunner 2026

Pricing

Starting at $25.00 per month

About Melio

Melio is an accounts payable solution designed to streamline bill payments, enhance workflows, and optimize cash flow for businesses of all sizes. Pay vendors online via bank transfers or credit/debit cards, even if they only accept checks—Melio handles the manual tasks.

With Melio, you can choose to pay by bank transfer or card to extend your cash flow and earn rewards. Adding vendor or bill details is easy—enter manually, upload, or photograph invoices. Schedule payments to match your cash flow needs and let Melio manage the process. Pay international vendors in their local currency for the goods and services your business requires. Seamlessly integrate with QuickBooks and Xero to keep your finances updated.

The Melio mobile app for iOS and Android allows you to track and manage payments anytime, anywhere, providing better financial control and ensuring your business operates smoothly.

Melio Screenshots

Melio Pricing and Plans

Starting price: $25.00 per month

Free Trial

Free Version

$0.00

per user, per month

Plan includes:

5 free ACH transfers per month
10 free syncs with QuickBooks Online & Xero
Pay by card or bank—vendor receives check, ACH, or wire transfers
Easy bill management: Upload, scan, or import bills
Dedicated email for automatic bill capture
Global payments in USD or local currencies
Recurring and partial payments
Instant payments
Free mobile app (iOS & Android)
Accept payments via custom links

Core

$25.00

per user, per month

Plan includes:

Try all of Melio's features free for 30 days before you choose a plan.
Send 20 free ACH transfers/month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay multiple bills at once
Combine payments into one transaction
Roles, permissions, and user management
Automated approval workflows
W-9 collection & auto 1099 sync
Automatic capturing of bill line items

Boost

$55.00

per user, per month

Plan includes:

Try all of Melio's features free for 30 days before you choose a plan
Send 50 free ACH transfers/month
2-day ACH transfer eligibility
Advanced multi-user approval workflows
2-way auto-sync with QuickBooks Desktop
Advanced bill attributes (classes & locations)

Unlimited

$80.00

per user, per month

Plan includes:

Try all of Melio's features free for 30 days before you choose a plan
Melio Unlimited includes everything in Melio Boost, plus:
Unlimited free ACH transfers per month
Unlimited user seats
Dedicated account manager
White-glove onboarding

Confused about pricing? We've got you covered.

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Melio Features

Popular features found in Accounts Payable
ACH Payment Processing
Audit Trail
Compliance Management
Document Management
Duplicate Payment Alert
ERP integration
Expense Tracking
Mobile Access
Multi-Currency
Process/Workflow Automation
More features of Melio
1099 Preparation
Accounting Integration
Accounts Payable
Accounts Receivable
Approval Process Control
Approval Workflow
Bank Reconciliation
Billing & Invoicing
Billing Portal
Bookkeeping Services Integration
Cash Management
Check Processing
Check Writing
Client Management
Contact Database
Credit Card Processing
Customer Statements
Customizable Invoices
Customizable Reports
Customizable Templates
Dashboard
Data Import/Export
Data Security
Debit/Credit Card Processing
Deferred Billing
Due Date Tracking
Dunning Management
Electronic Funds Transfer
Electronic Payments
Financial Management
For Accountants
For CPA Firms
For Medical Purposes
For Small Businesses
Fraud Detection
General Ledger
Invoice Creation
Invoice History
Invoice Management
Invoice Processing
Mobile Payments
Multi-Period Recurring Billing
Multiple Payment Options
Online Invoicing
Online Payments
Partial Payments
Payment Processing
PCI Compliance
Project Billing
Receivables Ledger
Recurring Invoicing
Recurring Payments
Recurring/Subscription Billing
Remote Access/Control
Reporting/Analytics
Reporting & Statistics
Search/Filter
Self Service Portal
Status Tracking
Task Management
Third-Party Integrations
Transaction History
Vendor Management

Melio Integrations

QuickBooks Online

Integration rated 4.7 from 63 reviews

QuickBooks Online Advanced

Integration rated 4.2 from 27 reviews

FreshBooks

QuickBooks Desktop

Melio User Reviews

Overall Rating

4.2

Ratings Breakdown

66%

17%

12%

Secondary Ratings

Ease of Use

4.3

Value for money

4.3

Customer support

4.0

Functionality

4.1

Mar D.

Verified reviewer

Individual & Family Services

2-10 employees

Used monthly for less than 2 years

Review source

Reviewed October 2025

Excellent overall experience

The customer service experience and the value for the money. I purchased it for the ability to manage accounts.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The customer service experience and the value for the money. I purchased it for the ability to manage accounts.

Cons:

There is nothing I dislike about melio. The customer service experience and the value for the money. I purchased it for the ability to manage accounts.

Reasons for choosing Melio

Customer service, Price, and Ease of use

Reasons for switching to Melio

Stripe treats small business owners incredibly bad.

Charles C.

Verified reviewer

Chemicals

1001-5000 employees

Used daily for less than 12 months

Review source

Reviewed April 2025

It allows for better workflow management.

It improved an entire process that required more attention and more hours of work. By being able to automate processes, it has made it more efficient and more detailed.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Melio has been a very secure application for making on-time payments to all suppliers without any issues and with precise dates. With reminders, you can always be up to date. It improved the entire invoicing process by having an accurate order of payments sent and received. It allows me to group invoices into a single payment, which has allowed me to speed up the process and avoid having to make payments one by one. I like all of its tools, and they fit everything I needed.

Cons:

It has met my needs without any issues. It has provided me with the necessary service, and I have never felt dissatisfied.

Vendor Response

Hi Charles, Thank you for sharing your feedback—it's greatly appreciated. We're pleased to hear that Melio has significantly improved your payment and invoicing processes. Delivering this level of efficiency and reliability is exactly what we strive for. Best, Team Melio

Replied April 2025

Oscar S.

Verified reviewer

Printing

2-10 employees

Used monthly for more than 2 years

Review source

Reviewed September 2025

What happend?

Previously 4

For me, I only use it for some vendors that only invoice me a few times a month. I found that just using my banks bill pay is just as efficient.

Ratings Breakdown

Ease of use

Value for money

Previously 5

Customer support

Previously 5

Functionality

Previously 4

Pros:

It's still fairly easy to use. If you are doing a minimal amount of bill pay, you will have no issues.

Cons:

A lot of the services that were once provided as free are now not. Write a check, pay. Use a CC, pay.

Reasons for switching to Melio

Cost basis.

Vendor Response

Hi Oscar, thank you for sharing your feedback with us. We’re glad to hear you find Melio easy to use for your bill pay needs. We understand your concerns about some services that previously had no fees now having associated costs. Our goal is to be transparent and provide flexible payment options while continuing to improve the value we offer. We appreciate you highlighting how you use Melio and how it compares to your bank’s bill pay—it helps us better understand what’s most important to our users. Your feedback will be shared with our team as we continue working to enhance our services. All the best, Team Melio

Replied September 2025

Fethudin A.

Verified reviewer

Religious Institutions

2-10 employees

Used monthly for more than 2 years

Review source

Reviewed June 2025

The Worst Experience With Melio

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Please don't integrate Melio with your QuickBooks Online account. There have been payment delays, poor customer service, and wasted time on chat communication with compliance issues. Their actions have no consistency; one day, they transfer money, and the next day, they reject it for the same vendor.

Reasons for choosing Melio

This was a mistake for me to choose Melio over others

Vendor Response

Hi Fethudin, Thank you for sharing your experience. We're sorry to hear that you’ve encountered delays and inconsistencies — especially when it comes to something as important as paying vendors. We strive to make the integration with QuickBooks Online smooth and reliable, but it's clear we fell short here. Compliance reviews can sometimes add unexpected friction, but that’s no excuse for poor communication or lack of clarity. We want to fix that. If you’re open to it, I’d love the chance to personally look into your case and help make things right. Please reach out to us at reviews@melio.com so we can follow up directly and ensure you get the support you need. We appreciate the feedback — and the opportunity to do better. All the best, Team Melio

Replied June 2025

Erika R.

Verified reviewer

Real Estate

2-10 employees

Used weekly for less than 6 months

Review source

Reviewed November 2025

Simple, Reliable, and Perfect for My Real Estate Business

Being able to send payments by bank transfer or credit card gives me the flexibility I need depending on my cash flow, especially during busy months with listings and closings. I also like that Melio keeps everything organized, so I never miss a payment and all my vendors receive their funds on time. Melio has become an essential tool for my business. Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

For my type of business, where I work with different service providers and need quick, reliable payments, Melio has been a great tool. I definitely recommend it to other real estate agents or small businesses looking to simplify their payables. Pros: •Very easy to use •Flexible payment options (ACH or credit card) •Great for managing multiple vendors •Keeps payments organized and on time

Cons:

I honestly haven’t experienced any real cons so far. Everything has worked smoothly for my needs. The only ‘con’ is that I wish I had started using it earlier, it really simplified my payments.

Kara K.

Verified reviewer

Accounting

2-10 employees

Used daily for less than 2 years

Review source

Reviewed May 2025

Hands down my favorite AP software

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Melio is very user-friendly and has great integration with QuickBooks

Cons:

I'm not a fan of the recent move to a subscription-based service, but the value provided is still the best on the market for the price point.

Vendor Response

Hello Kara, Thank you so much for your thoughtful feedback! We're truly grateful to hear that Melio is your favorite AP software and that you've found our QuickBooks integration and user experience valuable. We completely understand your concerns about the shift to a subscription-based model. Changes like this can be frustrating, and your perspective is incredibly important to us! Our goal remains to provide the best value possible, and we're committed to continuously improving our platform to support your business needs. Thanks again for your support and for being a valued part of the Melio community! Best, Team Melio

Replied May 2025

Ruby S.

Verified reviewer

Internet

Self-Employed

Used weekly for less than 2 years

Review source

Reviewed October 2025

The best in the software market

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I like how seamless it makes handling payments, saves time, keeps everything in one place and allows payments without the usual hassles.

Cons:

There's nothing to complain about Melio, it feels effortless to manage business finances. Overall, it’s been a smooth and reliable experience.

Bridgette K.

Verified reviewer

Retail

2-10 employees

Used monthly for less than 12 months

Review source

Reviewed November 2025

Great software, if the payment is successful.

Ratings Breakdown

Ease of use

Customer support

Functionality

Pros:

The software is straight forward and does not require much of a learning curve. The customer support is quick to respond, usually within 20 minutes via the chat support. I chose this software to assist with money transfer and the managing of invoices. I do not recall any fees or charges associated with the software. Set up took all of about thirty minutes, if that.

Cons:

I wanted to love this software, but was unfortunately unable to truly experience its benefits. I have been in business over ten years and have used multiple invoice software companies with no issues. What attracted me the most to Melio was same day and next day ACH transfer. This never happened. I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal review. The software has great promise, but not much follow through.

Nick N.

Verified reviewer

Textiles

11-50 employees

Used weekly for less than 12 months

Review source

Reviewed October 2025

Helps paying bills

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The thing I liked about Melio is that it is free of subscription payments and free to register. With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single payment.

Cons:

Because I have not been extensively using it, I realized that it does not have enough integrations. Neither does it offer native invoice creation and sending capabilities, as QuickBooks does.

Jonah F.

Verified reviewer

Writing and Editing

Self-Employed

Used weekly for less than 2 years

Review source

Reviewed May 2025

Simple Option for Paying Bills

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Lets me send payments by bank or card, even if the other person doesn’t use Melio

Cons:

Some payments take a bit longer to go through, but it gets the job done well

Vendor Response

Hi Jonah, Thank you so much for your thoughtful feedback. We really appreciate you taking the time to share your experience! Don't hesitate to reach out if there’s anything you need help with - we’re always here to help! Best, Team Melio

Replied May 2025

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