At this point in the Melio Payments review, I can honestly say that it's worthwhile to try, particularly given that it's free. For freelancers, accountants, and small enterprises, it's a fantastic financial solution. The latter group may automate their bills or payments and handle all of their customers from a single platform.

A very tidy, straightforward, but effective tool for paying bills and invoices, Payment processing, is quite simple compared to its rivals; it is substantially more productive. This product's flawless integration with our accounting software is why we chose it. Additionally, it eliminates the inconvenience of printing and sending paper checks. Recipient changes of the payment method selected are seamless

Improved phone customer service is something I would like to see no other recommendations now. Vendors are added with their Melio links, and those vendors currently in QuickBooks should automatically connect. Now, when you do that, a new vendor is formed and is not connected to the one that presently exists in QuickBooks. Wishlist: It would be nice if there were an option to send international wire transfers in different currencies. If it is wholly linked with Wave Invoicing, it would be fantastic and allow a free connected workflow.

Great! I am very happy with all features Melio provides and will recommend it to anyone who needs a payment processing system.

I love Melio. It is very easy to use, and really convenient. I am able to provide more services while spending less time per client. Thank you!

I had a problem with a Wire transfer once, I haven't tried it again to know if the issue was fixed. Will update when I use it again.

Really poor customer service, no one is able to help or give advice, and it's a total waste of my time.

It was easy to set up an account and has a pleasing aesthetic. I was really excited to find it. It's easy to set up vendors and create an invoice (took just a tiny bit of trial and error, but it's very self explanatory).

It took 6 weeks and numerous emails and chat messages to get them to send a test payment to verify my company bank account. Finally someone who said they were a specialist or a manager said that they had put in a manual override to get my test payments sent. That should have been a warning sign. Then I tried to send my first payment to my vendor, and when I did it said the payment failed and I needed to contact compliance, with no additional information. I've gotten a dribble of requests asking for IRS letters and articles of organization. I've sent them in, but I have had no response as to why I was rejected, why they didn't ask for that information up front if it was going to be needed (it was very foreseeable), and there's no way to get a hold of anyone else. So, I've been waiting for 8+ weeks total and still don't have a functioning product, I don't have any idea what is wrong, and there's no way to contact anyone. The on-site chat rep tells me that they're not authorized to answer my questions and that I need to email the compliance team, but the compliance team is totally unresponsive.

I rely on it to pay and get paid.

It's effortless to set up. More importantly it's easy for my clients to accept and adopt the software into their business.

Web interface a bit clunky for desktop users.

Melio is super easy to set up and use. The integration is fast and simple, and works reliably. Being able to enter bills in QBO and have them in Melio, and if appropriate set up payments too so all the client has to do is approve them has been game changing for payables management and cash flow forecasting, especially for our distributed, international clients.

Melio is missing a few features. It really needs to require a W9 for certain vendors before it allows payment. It's also frustrating that it can't take pre-payments/retainers. We have clients that really need that, and other clients whose customers payments fail too often because they misunderstood that question and answered incorrectly. Overall, the A/P side is much stronger than the A/R side.

Melio has an excellent customer support and resolves any issues quickly.

We choose this product since it seamlessly integrates with our accounting software. It also allows us to send paper checks without the hassle of printing and mailing them.

There is nothing really to dislike about the software with how our company is using it right now. I do hope for a much better interface and a more informative dashboard in the future.

Up until the failed same-day payments, it had been a pretty good way for us to send out payments without having to get checks signed. I am very disappointed with the same day payment issues though.

It's free and can be used by the owner from his cell phone.

We had two critical payments that had to go out same day. We paid $30 to have them expedited and they both failed. Customer service could not tell me why and the issue was never resolved.

Easy to implement, and support is great!

The full integration with in QuickBooks online makes this an easy choice for streamlined and efficient processes.

It is difficult to know exactly when a vendor will receive a payment. Should be two days but sometimes has been five days. Especially in the beginning of using the software.

I am happy with the product, especially since it is free for the functionality I am using it for. I would be willing to pay a small fee (at least the cost of a stamp) to have live checks be processed and mailed on the same day that the payment is processed.

I love that I can pay all invoices without printing and mailing checks. It is also great that the program completely integrates with QuickBooks so the bills show up automatically in Melio, and with a few clicks I can pay all of the bills.

It takes over a week for a live check to be delivered to a vendor, which is a long time.

What sets Melio apart for me is its simplicity, especially when it comes to regular vendors. Sending payments is easy and the platform also allows me to keep a record of all payments made during the year. This is incredibly helpful come tax time.

I have been using Melio to manage payments to suppliers and contractors. The platform allows us to process ACH payments completely free of charge, which is an incredible benefit. You only incur a cost if you send more than two checks per month. I like its design and the speed at which payments are processed.

What I don't like is the customer support, it is very, very slow, and when you have a problem with a transaction it can be very tedious and time consuming.

We have to process many payments per day and with Melio I was able to upload and pay our invoices timely and quickly

This software is amazing and I like it because is user-friendly, quick and absolutely efficient.

There are no cons for me! This software is absolutely adequate for our business

Program does what we need it to do, and sends money into our bank account. Wish it would be able to name the payments so that our bank account can tie the invoice to the transaction name though.

- Adds processing fee to customer if they choose credit card- Gives option for FREE ACH

Invoice numbers not customizable or sequentialTransaction name comes into the bank as just Melio-xyz instead of Melio-invoicenumber

Melio has streamlined our accounting process internally and with our clients. it has given us the ability to work in remote situations and process payments for clients no matter where we are. The payment status and tracking has been key to making sure vendors receive payments and deposit them.

Melio is an easy app to setup. It's integration into the accounting software is key. It is easy to use and customer service can help with any issues like Stop payments or reissuing payments which saves time on the payables side. It is a benefit that vendors can receive ACH or Checks all with a click of a button!

The cost per check can be a con of the product, since we went from using it on its inception it was an inconvenience to have to start paying a fee per payment. however the application is still less expensive than the alternative products. The process time is a bit slow, you have to anticipate about 7 business days before payment is received by a vendor.

Excellent- it takes so much of the organizational hassle out of our billing and payouts.

It just takes everything off my plate. I don't have to write checks, it has free ACH transfers (for both sides), quickbooks integration, invoice cataloging, payment scheduling, and my favorite... being able to tie multiple company profiles under one admin account! As someone who owns a few [very different] small businesses with different teams, I can keep everything separate and organized, but all under the same login.

I wish there was some way to store W9's to a contractor's profile in Melio. I don't even need to be able to file 1099s via Melio (although that would be awesome) but this tiny little organizational tool would be really helpful in staying compliant since no one else (like Quickbooks) has this.

Horrible customer experience when I was hacked last month. It is still not resolved. Someone set themselves up as a vendor and then attempted to pay themselves. The fraudulant contacts are still not out of my account and my account has been frozen for over a month despite claims that it is all cleared up. Foolishly I believed them and attempted to pay my key suppliers again. I came back over the holidays to find that no payments had gone out and almost lost my biggest supplier/vendor. Multiple chats and even a message to one of their executives on LinkedIn (his response illustrated why their customer experience is so poor) have yielded nothing. Despite the headache to set up all my vendors again on another service, that is what I am doing. DON'T USE THIS SERVICE.

easy to set up and use -- had been reliable until my account was hacked over a month ago. Since then it has been inop.

unbelievably poor customer support. They have no phone option and are limited on chat. They will promise you a quick email response, but then it never happens.

It can be hard to find a trustworthy site to send money but we always felt safe with Melio and they have great support to help at any time. Their rules and timing for sending money are simple so once you read those, everything is straightforward and you know exactly when your money will arrive / vice versa.

We needed to make a payment fast and were having some issues with our bank which required an in person appointment. Finding Melio saved the day and we were able to process the payment quickly, safely, and very conveniently. The cost to use a credit card is the standard 2.9% fee which is invaluable when you want to leverage credit but are in a space where many companies only accept wire transfers.

I had a payment or two rejected before I knew that you could only select the "I have already received the goods" for my industry but other than that, I had a perfect experience with Melio.

Absolutely the worst customer service. Why? because there isn't any. I have been trying since Dec to resolve an issue and it just keeps getting worse. The last straw was when I deleted my account and re entered it only to be connected to a former clients account that I have no access to at all. There was a 2 week period that I called every single day and left a message and never did I receive a call back. Just the worst! I've been on a chat with them this morning and they just stopped responding after a few minutes. So frustrating

it worked great until you have a problem then everything comes to a complete stop with no help

Support, there isn't any. They suspended a clients account but didn't notify us. When I finally reached someone who could help, I was told what to do and still nothing. This happened in Nov 2021 and still no resolution. I tried to delete my account and sign up again and it connected to a QB account that I have no affiliation with which is scary. They said they would look into it and nothing yet Four months later and nothing but empty promises

It's been excellent! It's a key part of my work with multiple clients!

It's easy to use and inexpensive. When needed, the customer service is excellent.

It would be useful to have the ability to pass on the $1.50 check fee to vendors who refuse to use an electronic payment option.

Not dandy, not happy

I have no idea if I cannot use it, I cannot know

My client wanted to pay with a bank transfer, so I signed up for Melio. I set up the account, verify the deposit, all looked like it is working properly. Now my client signed the contract, I sent him a payment request, he paid and a day later I get notified that my account could not be verified and the payment won't go through. This is so embarrassing. Instead of them contacting me and request whatever proof they need, do this discreetly, and continue the process, they just kicked me off. I have no idea why. Why not at the time I signed up. Why am I verifying my bank account last week was not enough? It is a business account. This payment is business to business. My business has been around since 2011. I really don't know. Now I either have to find another payment method or somehow get this back working and ask my client again to pay. It is just not a reliable way for me to do business. They will wonder if I cannot even get their payment coming through what kind of service I will provide. That is a bad way to build trust with a new client. Thanks, Melio

Before discovering Melio, I tried dozens of other products and found every single one of them lacking in some way. Either they were too expensive for what they offered or they didn't offer key features we needed. We didn't even need a lot! Just needed to be able to pay vendors and track payments. Direct deposit was a bonus! Melio provided everything and for the unbelievable cost of $0.

Vendor payments, direct deposit, and account reports and the super low price.

I wasn't able to make payments to my social media manager in Jamaica. That is the only thing I've been unable to do.

So easy to use, good service, fast, and free!

It's like the best bank bill pay ever! Easy to set up recurring payments and see delivery times.

Wishlist - if it integrated fully with Wave Invoicing, that would be cool, and that would provide an entirely free connected workflow.

Excellent! I am very satisfied with Melio and will recommend it

it Work on receipt installment companies, contractors, and free or low-cost bank transfers.Pratical for beginners because of There are no ongoing monthly fees.

So far, everything has gone well, without any complications.

Melio has simplified our accounts payable process. We have sent less than 20 checks during the last 2 years that we have been using Melio, down from hundreds of checks written and mailed in the years before. Simple to use, with some additional features that are sometimes needed, including "fast" ACH.

Melio is simple to use, fast to set up, and has allowed us to stop sending 90% of the checks we used to send. We have found that most of our vendors and contractors prefer electronic payments instead of paper checks.

Does not integrate with Quickbooks Desktop software.

Qbo integration is Amazing and can have a firm account with many users permissions

Takes longer for ach processing as vendors expect it sooner