# Compare Melio vs Payoneer 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Melio and Payoneer based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/184673-187086/Melio-vs-Payoneer

---

# Melio vs Payoneer Features and Cost Comparison

Last updated March 13th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

MelioPayoneer2/4 selected

[Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.2 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

[## Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

Starting Price

$25.00/month

Value-for-Money

4.3

Functionality

4.1

Ease of Use

4.3

Customer Service

4

Reviews Sentiment

Based on [401 reviews](#user-reviews)

Positive

331

Neutral

9

Negative

61

[## Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.2 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

Starting Price

Contact vendor

Value-for-Money

4

Functionality

4.2

Ease of Use

4.2

Customer Service

3.8

Reviews Sentiment

Based on [762 reviews](#user-reviews)

Positive

638

Neutral

35

Negative

89

## Send this comparison chart to my inbox

### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.

What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 23,127 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

70%Fit

Missing features

Feature ratings

Data Security

4.4

Online Payments

4.3

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.2

Expense Tracking

4.3

\--%Fit

Missing features

Feature ratings

Data Security

4.4

Online Payments

3.7

Payment Fraud Prevention

NA

Debit/Credit Card Processing

NA

Expense Tracking

NA

User satisfaction

User satisfaction

4.2

User reviews[401](https://www.capterra.com/p/184673/Melio/reviews/)

Ease of use

4.3

Functionality

4.1

Value for money

4.3

Customer support

4.0

User satisfaction

4.2

User reviews[762](https://www.capterra.com/p/187086/Payoneer/reviews/)

Ease of use

4.2

Functionality

4.2

Value for money

4.0

Customer support

3.8

Price starts from

Price starts from

$25Per User, Per Month

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Caters to business owners and finance teams in the US to streamline AP and AR and improve cash flow. Also, ideal for US accountants seeking an AP solution.

Best for

Not provided by vendor

## User reviews

Pros & cons

LC

Lin C.

CEO

> "We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

BK

Bridgette K.

owner

> "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."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405)

LC

Lin C.

CEO

> "The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

JM

Julie M.

Owner

> "oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was incomplete!)..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

GI

Gabriel I.

Founder

> "One of my clients uses Melio as their payment gateway to their freelancers, so I can give the freelancer's point of view and it works amazingly well, I love..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6761402)

TT

Toni T.

Owner

> "Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden being declined..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___5016348)

NN

Nick N.

Owner

> "With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single payment."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884)

JM

Julie M.

Owner

> "I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

LC

Lin C.

CEO

> "Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

KW

Kimb W.

Owner

> "There is a chance of card payments to result in significant fees if you use the service frequently"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085)

CC

Charles C.

Director Marketing

> "It improved the entire invoicing process by having an accurate order of payments sent and received."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6772703)

KC

Kyle C.

CEO

> "It's such an obvious avenue for fraud it's stunning and the lack of urgency on fixing it will likely drive me to use a competitor."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

JR

Julian R.

Finance and foreign trade

> "The data is stored on a secure platform that allows payment tracking for more security"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6533634)

BM

Brandon M.

Owner

> "My only issue is that card payments aren't sent on weekends."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314)

ER

Erika R.

Real estate investor

> "Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7049231)

BK

Bridgette K.

owner

> "I wanted to love this software, but was unfortunately unable to truly experience its benefits."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405)

EL

Elizabeth L.

professional accountant

> "We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909)

RW

Robert W.

President

> "Melio used to be the best thing, however they have started having issues with NOT submitting payments to vendors after scheduled and refuse to say why..."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___3742582)

LC

Lin C.

CEO

> "The learning curve was very low, and it provided good value for money for our needs."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679)

VR

Verified Reviewer

Office Manager - Bookkeeper

> "We won't be using any paid methods of payment with Melio any longer because sadly they are at best dishonest in what they charge for and they don't see any..."

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760)

JM

Julie M.

Owner

> "It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. "

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

KC

Kyle C.

CEO

> "Security flaws are huge."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

NN

Nick N.

Owner

> "The thing I liked about Melio is that it is free of subscription payments and free to register."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884)

SK

Shawn K.

Director

> "We had some issues with some clients making payments where their bank declined to perform the transactions (not familiar with the services so they flagged..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229258)

KW

Kimb W.

Owner

> "It's the most suitable for business accounting software integration that will make everything smooth and clear"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085)

KC

Kyle C.

CEO

> "You have to just hope you dont have a disgruntled employee or book-keeper?"

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

EL

Elizabeth L.

professional accountant

> "It makes the whole process of paying bills easier and spending hours entering data."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909)

VR

Verified Reviewer

Office Manager - Bookkeeper

> "Even with the receipts they request they do not care even telling me that I should have read their policy article before using their service."

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760)

AH

Alton H.

owner

> "I was able to pay several vendors within minutes without headache or hassle."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6490526)

KC

Kyle C.

CEO

> "I'd stay away from Melio until this fixed."

[See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617)

AC

Ania C.

Assistant Manager

> "It has been a good experience and has relieved a lot the way credit card payments are processed."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586245)

Garrett B.

Owner

> "All I want to do is change my email address because the one on file doesn't work anymore."

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___6186544)

EL

Elizabeth L.

professional accountant

> "Now I only have to upload the bills and Melio does everything for me."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909)

KB

Kathleen B.

Founder, Virtual Assistant

> "I've had this happen twice now, and it's put a serious strain on vendor relations and made us look like zeros instead of heroes."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

LM

Lisa M.

Administrator

> "Melio is nice to sync all information of A/P and A/R to keep better track of what is paying out and what is coming in."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4927641)

JD

Jamie D.

Accountant

> "The processing of checks also seems to take a really long time, sometimes I will get a bill in and go immediately to setup payment and it states the..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

SS

Saurabh S.

Founder

> "online payment platform that allows small businesses to pay bills and vendors using bank transfers or debit cards, making the process easy and efficient."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775148)

JM

Julie M.

Owner

> "I found it very confusing and not a smooth process at all."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381)

PW

Peter W.

Vice President

> "Its integration with other apps, such as QuickBooks and Xero, makes payment processing seamless and efficient, saving time and increasing productivity."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774978)

KB

Kathleen B.

Founder, Virtual Assistant

> "It's been 24+ hours since we've contacted support and no one has said "boo" let alone an explanation for what thee payment failed."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

AC

Ada C.

CEO & Founder

> "Melio makes invoice processing quick and efficient - I can upload an invoice and it'll automatically populate the information, or I can manually input an..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466)

HH

Heidi H.

owner

> "It is glitchy when trying to add new clients and keeps old ghost bill data that isn't relevant even after it's been deleted."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430808)

SC

Sachin C.

Agritech

> "The platform offers a range of payment options, including credit card payments for bills that don't typically accept them, and automated recurring payments...."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774982)

KB

Kathleen B.

Founder, Virtual Assistant

> "However, the last two months have been a nightmare to deal with because of actions Melio took without communication or resolution."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

BH

Basim H.

Managing Member

> "One of its best features is that I am able to schedule vendor payments as invoices come in and later track and balance."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430567)

KB

Kathleen B.

Founder, Virtual Assistant

> "I've now had three instances of payments being stopped--critical payments I'd add."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

RS

Ryan S.

Manager

> "Overall, it keeps us from having to hand write checks, allows contractors to easily submit invoices, and helps us keep payments on auto draft."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169056)

KB

Kathleen B.

Founder, Virtual Assistant

> "Worst of all, support does nothing but say it's the "payer's responsibility" to check information."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

LR

Liz R.

Owner

> "It’s easy to use and all the functionalities you have to send payments is great!"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6624505)

LG

Laura G.

Office Manager, Bookkeeper

> "Unbeknownst to me, logging into my account this way created a duplicate account under our company ID, and I soon was contacted by their Compliance team to..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4358275)

AC

Ada C.

CEO & Founder

> "The free ACH option is great for small businesses and it's super helpful that Melio tells you when the money will be debited and when it will arrive so you..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466)

SM

Saviour M.

MANAGER

> "The user interface is not very much easy to use, as i had found it a bit confusing when I started using melio back then."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6168073)

Andrei P.

Data Scientist

> "The best thing about Melio is that it has no subscription, so you can use it as long as you want, and your vendor don't need a Melio account to receive..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4341001)

MC

Marialuisa C.

Owner

> "It's pretty limited and it had an issue once that I canceled a scheduled recurring payment but it continued to send payment to a vendor for months before I..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4236203)

JD

Jamie D.

Accountant

> "The ease of the app and ability of the integration with QBO is unprecedented and has seriously saved me hundreds of hours for each client that I handle..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

IL

Ivan L.

Sales

> "My clients reported constant calls from Melio at any time, which I think is something that no one should do if the person that uses the software doesn't..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231067)

JW

Julieanne W.

Systems expert

> "Melio makes it easy to keep all of your bill payments in one place, know when each payment is due and take care of it automatically for you so that your..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231548)

KB

Kathleen B.

Founder, Virtual Assistant

> "hours is not good enough for a payment processor."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152)

CN

Carmen N.

Head of Corporate Affairs

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

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229360)

KC

Kari C.

executive director

> "I tried integrating with QuickBooks, but it didn't work right, maybe because it assumes accrual and not cash based accounting."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169998)

CT

Christie T.

Owner, Lead Bookkeeper

> "As a bookkeeper, it is important that Melio allows me to have my client approve their payments before they are processes, and the process is easy for the..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125)

VR

Verified Reviewer

CFO

> "Support line - 1 hour waiting, not able to resolve issue, international payment option does not work - money held indefinitely"

[See full review](https://www.capterra.com/p/184673/Melio/#GetApp___3766965)

LM

Lisa M.

Administrator

> "I think with some work on the accounts receivable side this program will be even better."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4927641)

CH

Chris H.

Founder

> "One issue I ran into with independent contractors:When dealing with many vendors you are paying, the main name to search for is the "company name"."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225)

BM

Brandon M.

Owner

> "Great experience overall, great support and pricing."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314)

CH

Chris H.

Founder

> "Individuals working as independent contractors sometimes don't understand and put in funny names as company name. If it's the vendor who set it up like..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225)

CM

Carisa M.

Accounting Manager

> "it has given us the ability to work in remote situations and process payments for clients no matter where we are."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775311)

CR

Christine R.

Owner

> "My payment was scheduled for a date and time, payment never sent, multiple emails never have been answered. "

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3713303)

BA

Bianca A.

Accounting

> "Melio offers an easy to use user interface."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6367683)

PK

Paige K.

CEO

> "It overall wasn't the most cost effective option for our company and other options allowed for more tailored options for our needs."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4225057)

SP

Sonny P.

Owner

> "The integration with QBO brings efficiencies that allows me to offer better A/P services to clients."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430)

MR

Markos R.

Business Delvelopment Manager

> "Customer service does not seem to provide accurate information as it pertains to when vendors payment will be deposited. "

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3832555)

BW

Ben W.

Manager

> "The drag & drop invoice functionality works great 99% of the time, and they make it super easy to set up recurring payments as well."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168757)

SP

Sonny P.

Owner

> "Trying to print to the payment activity to pdf from the web browser never works."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430)

Ginger B.

Court reporter

> "This has been the only site that I have found that allows me to pay my contractors via credit card and float my expenses!"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4716945)

AM

Allie M.

Owner

> "I use this service solely because my accountant uses it to send bills my way, and as a result I am on the receiving end of intrusive sales-targeted..."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3440097)

JD

Jamie D.

Accountant

> "I love how it gives you options, you pay the fee or your customer does, they make the call on how they want to be paid via check or ACH."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716)

AB

Amanda B.

Executive Assistant

> "Melio cannot make payments to Guyana, which is unfortunate as our organization has vendors in that country."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169273)

Ryan M.

Executive Administration

> "It is nice being able to have rewards being built for credit card payments, less 1099's, and simple payment tracking"

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715228)

KM

Katherine M.

Office Manager

> "I don't like the new feature of how invoices are listed in the inbox."

[See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168638)

[View Reviews](https://www.capterra.com/p/184673/Melio/reviews/)

Vivek K.

Founder

> "Users can transfer funds between Payoneer accounts quickly and securely, enabling efficient financial management across different currencies and..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6319766)

AS

Anabelle S.

Owner

> "This has occurred more than 10 times. Because of these repeated delays and lack of follow-through, I have been unable to access my own funds,..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7058395)

Vivek K.

Founder

> "Payoneer allows users to withdraw funds to their local bank accounts or prepaid Mastercard, providing flexibility and convenience."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6319766)

JS

Jocelyn S.

Veterinary Nurse and Client Care Representative

> "I did end up cancelling my account afterwards as I didn't feel it offered me anything different to what PayPal might offer; however this thought..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7085044)

Portia A.

Nurse

> "I like how easy it is to receive payments from different platforms and in different currencies."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7141363)

Dwight M.

Cloud Solution Architect Manager

> "What I don't like about payoneer is that you can only accept payments from Payoneer partner companies and other user accounts that already have..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6485272)

Armando R.

Project Manager

> "This has been a very reliant software that has provided me a safe and easy way to withdraw money as a freelance contractor."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6866560)

Portia A.

Nurse

> "The fees can sometimes feel a bit high, especially when converting currencies or withdrawing to a local bank account."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7141363)

Elena D.

Global Marketing Manager

> "Payoneer is a virtual online platform that allows quick transactions between different units."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6761588)

Dwight M.

Cloud Solution Architect Manager

> "I have used Payoneer for over 10 years and they have features that other payment processors don't have but I feel they have missed the opportunity..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6485272)

Armando R.

Project Manager

> "Their customer support could benefit from spanish speaking providers since i live in LatAm."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6866560)

DR

David R.

Dive Operation Manager

> "Seasonal workers are impacted by verification processes, and ticket resolution is delayed as bugs intervene in transaction status."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6881504)

JE

Jackie E.

Director of Risk Management

> "Payoneer offers almost all the features available in PayPal."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6870050)

Григорий Р.

chief

> "thats a very rigid illogical system that judges and blocks indefinetely without any real discretion whatsoever, i find it mean and incompetent"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7053238)

MQ

Michelle Q.

Medical Records Analyst

> "With the hardwork you have put on everyday, payoneer makes it so much easier for you to get the money you worked hard for."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6323214)

Antonino P.

Freelance translator

> "What should be a straightforward technical fix has turned into months of frustration, endless back-and-forth emails, and absolutely no resolution."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7053944)

Dionne Joy M.

CEO

> "Payoneer is excellent and trusted global payment platform."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7068631)

JC

Jacqueline C.

Brand Designer

> "The fees are quite high, eating into your profits bottom line once you get into anything over $100, which is all our transactions. When we had an..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6649688)

JT

Jessica T.

MD

> "It appears easy to use. If working with a reputable party it’s as easy to use as WISE."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7050882)

VR

Verified Reviewer

It manager

> "The fees can be a bit high sometimes, especially for currency conversion."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7127445)

Phyllis Wanjiku G.

Data Scientist

> "It is also easy to create an account and link to my local bank account if you live in countries other than the US."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6329913)

VR

Verified Reviewer

It manager

> "Also, customer support can be slow to respond when there’s an issue."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7127445)

Niel Winston T.

Scale AI annotators

> "I like transfering payoneer to another account it has no charges im very very very satisfied and happy using payoneer"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6334355)

LA

Lukman A.

Manager

> "They also have some weird policies which makes the customer support clueless on the cause of a problem and possible solutions."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6810348)

Dionne Joy M.

CEO

> "Payment was received quickly."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7068631)

JK

Jeff K.

Controller

> "They lock up your money for weeks at a time with no real explanation."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7117100)

JK

Jeff K.

Controller

> "The only positive about them is they have a decent Website."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7117100)

Vadim D.

Assistant

> "Payoneer provides inaccurate information on its website, misleading users and it is the user who pays for these mistakes."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6635140)

VR

Verified Reviewer

It manager

> "My overall experience with Payoneer has been mostly smooth and reliable."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7127445)

VR

Verified Reviewer

CTO

> "Also, you are often forced to change your password, but since your account is blocked while changing the password, you have to solve this through..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6361372)

AZ

Ahmed Z.

Online Gaming Account Merchant

> "Customer service for Payoneer is excellent, every customer service agent will offer his best to try and help you out."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6720056)

YM

Yana M.

CG Artist

> "They blocked my account and funds under the guise of an “internal check”."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6833445)

DA

David A.

Supervisor

> "What I like must service and the security, Payoneer is so secure and the service is good and amazing"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6318297)

LA

Lukman A.

Manager

> "They have some weird policies and the customer service seems unprofessional and ineffective."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6810348)

GCS

Gil C S.

President

> "The fees were an issue, but for international payments it worked very well"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6691532)

JT

Jessica T.

MD

> "They will not offer assistance with claim backs."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7050882)

Souleymane D.

Training assistant

> "Payoneer also integrates with third-party platforms such as Upwork, Airbnb, Amazon, and more."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4980383)

VR

Verified Reviewer

CTO

> "The security system is paranoid, they force you to provide a bunch of documents (more than in a regular bank)."

[See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6361372)

TA

Tamer A.

Art director

> "What I like is that it is free, easy to open an account, and also has multiple currencies."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6513830)

JM

Jerry M.

Sales Representative

> "Very Very Bad; have a lot of regrets of Payonner taking over Paypal. If only i had know about their exorbitant fees, I would not have set up an..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6885653)

LA

Lukman A.

Manager

> "The platform is robust and easy to use."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6810348)

MJ

Milomir J.

Customer Support Representative

> "Creating an account was easy but getting a card was very complicated, especially since they asked me to receive my first payment before I could..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6608357)

EO

Elvis O.

Audit Associate

> "The platform is easy to use, the transfers are reliable, and the customer support is helpful"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6644260)

Antonino P.

Freelance translator

> "Payoneer's customer support is absolutely incompetent."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7053944)

ACF

Ana Clara F.

Administrative director

> "The website/app interface is uncomplicated and intuitive, making it easy for a layman like me to use. And payments have a small fee, which makes..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6225183)

LB

Linda B.

Contractor

> "They steal your money and then subject you to AI genersted processes & conversations thst just keep looping around & around"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6676562)

Souleymane D.

Training assistant

> "Payoneer is at your disposal for your international online payments, secure transactions, and more."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4980383)

Elena D.

Global Marketing Manager

> "the verification process for setting up a Payoneer account is cumbersome or time-consuming."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6761588)

SB

Sujata B.

Influencer

> "I also like the fact that we can see how much will our money amount to in our own local currency and from there we can plan further."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4916914)

YM

Yana M.

CG Artist

> "So, under the guise of an “internal review” that will last forever, they will simply steal your money, as it happened to me"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6833445)

Vivek K.

Founder

> "Responsive customer support and extensive knowledge base"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6319766)

VR

Verified Reviewer

Web Developer

> "Concerned about the safety of my funds, I reached out to Payoneer's client support for information on the return process. Despite my expectations..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6094683)

Md R.

Graphics Designe

> "I'm working on Fiverr and Upwork as a freelancer and I use Payoneer for withdraw money. And I'm happy for Payoneer service."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4835888)

AD

Aamir D.

CEO

> "My payments are on hold and account is appearing as inactive in Walmart Canada."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6754409)

GCS

Gil C S.

President

> "Simple to use and with international reach that makes working with non-U.S. companies quite easy"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6691532)

JK

Jeff K.

Controller

> "They do not care about their customers. "

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7117100)

AJ

Alan J.

Analista de Sistemas

> "I have little to complain about this amazing international transaction app."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6763718)

Rajna S.

Architect

> "They practically force people and expose them to more stress by not doing anything to resolve money theft, the process of reversing unauthorized..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6129035)

JT

Jamuna T.

CMO

> "Payoneer is a payment processor that will allow us to receive, hold and send money globally. And best of all, they offer local bank deposits..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3615945)

New melchizedec S.

Director

> "Also they wanted the customers to create a payoneer account to pay, instead of just a credit card to pay. And make it really difficult to cancel..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6190928)

GT

Ganga T.

Owner

> "With Payoneer, we can access our money directly in local currency, make payments, and get paid in more than 200 countries and territories."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3644143)

LB

Lindsay B.

Social Media Manager

> "The support is absent."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7082870)

Rodrigue N.

Project Manager

> "Payoneer allows its users to obtain accounts in foreign banks with a reliable and secure address. Besides being able to make international..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4469552)

Suzette V.

Educator

> "The payment withdrawal limit has a negative impact on staff as they can only access their money once they have made enough to reach the payoneer..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6036981)

AS

Adeel S.

Software Developer

> "The biggest plus being their global reach."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6599651)

JM

Jerry M.

Sales Representative

> "I would like to warn others of this super high charge by this company."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6885653)

TP

Teju P.

Chief Marketing Officer

> "Payoneer allows us to receive funds from all over the world and also allows us to easily withdraw to our local bank account in nepal."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3569982)

Patricia M.

Content Creator

> "Not very flexible"

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7069326)

FG

Fikru G.

Project Manager

> "It is perhaps the best payment platform I have utilized as it permits a simple account opening, enables linking different bank accounts to it,..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4699213)

Vadim D.

Assistant

> "Contacted Payoneer support to ask why the company's policy on the website misleads users."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6635140)

SK

Sagar K.

CMO

> "It helps us to accept payment from different freelance platforms and allows us to transfer to our local bank account with a very low transaction..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3945125)

SG

Stav G.

Owner

> "They will not issue a refund or guarantee that these transactions will not recur."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6660559)

GF

Guadalupe F.

Legal Assistant

> "It has different currencies to use and is easy to understand."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6560955)

Ben L.

.

> "I only got to experience their customer support and that is terrible."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6866297)

JS

JOCILENE S.

Administrador

> "Great rates, fast transfers and conversions, payment enters the account well before the deadline."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6147967)

JH

Julian H.

Website Design Freelancer

> "Don't pay the registration fee!I opened an account to be able to get funds from Europe. But when trying to add a payer, the system would not allow..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___5096267)

YD

Youcef D.

Marketer

> "I like it's ease to use and it's importance for marketers like me who work with people from all regions in the world as it removes the payment..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6036483)

JH

Julian H.

Website Design Freelancer

> "I opened an account to be able to get funds from Europe. But when trying to add a payer, the system would not allow me stating that it did not..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___5096267)

TP

Teju P.

Chief Marketing Officer

> "In that situation, Payoneer gives us the solution to accept payment from our clients and helps us to globalize our eCommerce business."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3569982)

VR

Verified Reviewer

Graphic designer

> "I had to go to the website (initially I was using the app) to lay complaints and that was when I found out I couldn't get access to my bank..."

[See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___5028313)

[View Reviews](https://www.capterra.com/p/187086/Payoneer/reviews/)

## User interface

4.21 (401)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)

4.21 (762)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

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

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

Melio

Top features

18/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   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
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/184673/Melio/#features)

Payoneer

9/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   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
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/187086/Payoneer/#features)

### Recognition

Melio is recognized as a top-rated tool in 5 Capterra Shortlist reports

Payoneer is recognized as a top-rated tool in 3 Capterra Shortlist reports

### Deployment & support

Melio

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   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

Payoneer

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   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

### Company Details

Melio

-   By Melio
-   Located in United States
-   Founded in 2018

Payoneer

-   By Payoneer
-   Located in United States
-   Founded in

## Popular Comparisons

[Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

$25/month

Price

$38/month

4.1

Features

4.3

4.3

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/184673-190778/Melio-vs-QuickBooks-Online)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

vs

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,395)](https://www.capterra.com/p/207944/PayPal/reviews/)

Contact vendor for pricing

Price

$0.29

4.2

Features

4.6

4.2

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/187086-207944/Payoneer-vs-PayPal)

[Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

$25/month

Price

$25/month

4.1

Features

4.3

4.3

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/120109-184673/Xero-vs-Melio)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

vs

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.2

Features

4.6

4.2

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/187086-222572/Payoneer-vs-Venmo-)

[Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/)

$25/month

Price

$2210/year

4.1

Features

4.4

4.3

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/174984-184673/QuickBooks-Enterprise-vs-Melio)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,335)](https://www.capterra.com/p/123889/Stripe/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.2

Features

4.5

4.2

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-187086/Stripe-vs-Payoneer)

[Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[Stampli](https://www.capterra.com/p/147301/Stampli/)[4.82 (463)](https://www.capterra.com/p/147301/Stampli/reviews/)

$25/month

Price

Contact vendor for pricing

4.1

Features

4.7

4.3

Ease of Use

4.8

[View full comparison](https://www.capterra.com/compare/147301-184673/Stampli-vs-Melio)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

vs

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.2

Features

4.6

4.2

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/170278-187086/Square-Payments-Processing-vs-Payoneer)

[Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,558)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/)

$25/month

Price

$1922/year

4.1

Features

4.3

4.3

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/184673-212058/Melio-vs-QuickBooks-Desktop-Pro)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

Contact vendor for pricing

Price

$38/month

4.2

Features

4.3

4.2

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/187086-190778/Payoneer-vs-QuickBooks-Online)

[Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,035)](https://www.capterra.com/p/135757/NetSuite/reviews/)

$25/month

Price

Contact vendor for pricing

4.1

Features

4.2

4.3

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-184673/NetSuite-vs-Melio)

[Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/)

vs

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,029)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Contact vendor for pricing

Price

$0/month

4.2

Features

4.5

4.2

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/187086-275802/Payoneer-vs-Square-Point-of-Sale)