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Melio vs SumUp: Which is a better fit?

Updated on December 3rd, 2024
Capterra offers objective, independent research and verified user reviews. We may earn a referral fee when you visit a vendor through our links.
What's your intended use case?
Summary
Key features rated by users
Features selected based on 21,035 reviews from Payment Processing users.
% Fit
Missing features
Feature ratings
Data Security
4.4
Payment Fraud Prevention
NA
Online Payments
4.3
Debit/Credit Card Processing
4.2
Mobile Payments
4.2
% Fit
High performer
Feature ratings
Data Security
4.2
Payment Fraud Prevention
4.3
Online Payments
4.5
Debit/Credit Card Processing
4.3
Mobile Payments
3.9
User satisfaction
4.2
User reviews381
Ease of use
4.3
Functionality
4.1
Value for money
4.3
Customer support
4.0
4.5
User reviews1,437
Ease of use
4.6
Functionality
4.4
Value for money
4.4
Customer support
4.4
Price starts from
--
Not provided by vendor
Free version
Free trial
Monthly subscription
Free version
Free trial
Best for

Small business owners and finance teams in the US who want to simplify payments, maximize cash flow, and enhance efficiency. Also ideal for US accountants seeking a more effective AP solution with se

Retail, QSR, Cafes, Bakeries, Delis, Salons and Spas

User reviews
pros & cons
1 / 4
View Reviews
1 / 4
View Reviews
Video reviews
Xavier C
Founder
5.0

Xavier: Hi, I'm Xavier. I'm the founder of Mixtons. We are a team of six, and I would give Melio a rating of five out of five. So prior to Melio, we used to do everything manually and it made both cash flow and forecasting very difficult. So integrating into Melio allowed us to streamline our processes with our finances and just have a much more seamless process when dealing with smaller accounts, particularly those that were either within Europe or in the US as well. So we chose Melio because frankly, it was the simplest to use. The UX and UI is very intuitive. For me, I'm a dyslexic, so I typically like things to be very simple and Melio ticks all of those boxes, and I know for the rest of the team, for them to integrate and to use, particularly from a payroll and from a cash flow perspective, the feedback from them has been tremendous, and we're going to continue using Melio well into the future. So Melio is probably one of the easiest platforms that I've ever onboarded with. They've got really intuitive UX and UI, but on top of that, they've got really helpful guides. And through their email, they actually send out some really useful handbooks that allow you to understand different parts of their processes. And I didn't actually realize how much they did, but every time they send me another email, it seems that their product and software is much more powerful than I even realized. So I'm still learning, I'm still figuring it out, but in terms of onboarding, it was very simple. So in onboarding with Melio, the only thing I would recommend is making sure that you sit with your team and you make sure that everybody is up to speed on what the changes are going to be, particularly if you're coming from a manual background. Because it's so simple, sometimes it can feel a little bit too good to be true, and some team members may find it more difficult to switch over from old processes onto new ones. So I'll just make sure team clarity is up there as a priority.

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Michael O
President
4.0

Michael: Hi, this is Michael I'm president of a tour company, I give FiveStars four stars. For more reviews like this click down below. Before I found FiveStars I was using Square, Square Payments, as my onsite payment processor, and it worked okay, I thought it was a little bit limited in its functionality, but the one thing I didn't like about it is you it didn't have a rewards or a promotional aspect to it. I chose FiveStars basically because I saw the great opportunity in marketing directly to my customers, gathering phone numbers, and setting up a reward/marketing promotion program with FiveStars that I couldn't ease with my previous application. It was real easy to onboard FiveStars, the websites really good, the apps really intuitive, and they also have really good support available on the website, so I really didn't have any problem onboarding. I think it'd be easy for anybody. I would recommend anybody considering FiveStars to go ahead and give it a try, it's risk free, and it's just really an invaluable tool as far as gaining customer phone numbers and emails, and it's a great marketing tool for a small business, basically.

How Capterra sources reviews
View all video reviews
User interface
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1 Video
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1 Video
184673
5 screenshots
170673
3 screenshots
Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

Logo Img
--%
Logo Img
--%
ACH Payment Processing
207
Important
Activity Dashboard
388
Important

Melio

5/35
  • Activity Dashboard
  • Alerts/Notifications
  • API
  • Cryptocurrency Processing
  • Customizable Branding
  • Data Import/Export
  • Data Security
  • Debit/Credit Card Processing
  • Digital Wallet Payments
  • eCommerce Integration
  • Electronic Signature
  • In-Person Payments
  • Loyalty Program
  • Mobile Payments
  • Multi-Currency
  • Multiple Payment Options
  • Online Payments
  • Partial Payments
  • Payment Fraud Prevention
  • Payment Gateway Integration
  • Payment Links
  • Payment Reconciliation
  • PCI Compliance
  • Point of Sale (POS) Integration
  • Real-Time Data
  • Receipt Management
  • Recurring/Subscription Billing
  • Search/Filter
  • Status Tracking
  • Transaction Monitoring
  • ACH Payment Processing
  • Billing & Invoicing
  • Expense Tracking
  • Reporting/Analytics
  • Self Service Portal
See All features
Hide Payment Processing Software Features -

SumUp

Top Features
6/35
Show Payment Processing Software Features +
Melio
Deployment
  • Cloud, SaaS, Web-Based
  • Desktop - Mac
  • Desktop - Windows
  • Desktop - Linux
  • Desktop - Chromebook
  • On-Premise - Windows
  • On-Premise - Linux
  • Mobile - Android
  • Mobile - iPhone
  • Mobile - iPad
Support
  • Email/Help Desk
  • FAQs/Forum
  • Knowledge Base
  • Phone Support
  • 24/7 (Live rep)
  • Chat
Training
  • In Person
  • Live Online
  • Webinars
  • Documentation
  • Videos
SumUp
Deployment
  • Cloud, SaaS, Web-Based
  • Desktop - Mac
  • Desktop - Windows
  • Desktop - Linux
  • Desktop - Chromebook
  • On-Premise - Windows
  • On-Premise - Linux
  • Mobile - Android
  • Mobile - iPhone
  • Mobile - iPad
Support
  • Email/Help Desk
  • FAQs/Forum
  • Knowledge Base
  • Phone Support
  • 24/7 (Live rep)
  • Chat
Training
  • In Person
  • Live Online
  • Webinars
  • Documentation
  • Videos
Melio
  • By Melio
  • Located in United States
  • Founded in 2018
SumUp
  • By SumUp
  • Located in Brazil
  • Founded in 2012
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