--- title: "Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Melio the right Accounts Payable solution for you? Explore 405 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/184673/Melio/reviews/" page_type: "reviews" language: "en" --- Melio 4.2 (405) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated August 26th, 2026 # Reviews of Melio Ease of use 4.4 Customer Service 4.0 ## Pros and Cons in Reviews KS Krzysiek S managerTranslation and Localization, 2 - 10 employeesUsed the software for: I used a free trial. “It is a useful solution for managing invoices, sending payments, and keeping vendor payments better organized.“ June 22, 2026 BK Bridgette K ownerRetail, 2 - 10 employeesUsed the software for: 6-12 months. “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.“ November 10, 2025 KM Katsia M DirectorInformation Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “It is also a relief that users are able to review and approve items within Melio so I do not have to send follow-up approval requests.“ June 29, 2026 JM Julie M OwnerReal Estate, 2 - 10 employeesUsed the software for: Less than 6 months. “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!) “ November 19, 2024 LC Lin C CEOConsumer Goods, 2 - 10 employeesUsed the software for: More than 2 years. “We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable.“ January 5, 2026 TT Toni T OwnerAccounting, Self-employedUsed the software for: More than 2 years. “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 consistently causing issues for my clients and causing my payments to be late.“ September 8, 2023 GI Gabriel I FounderE-Learning, 2 - 10 employeesUsed the software for: Less than 6 months. “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 that you can make the payment arrive faster by paying 1%“ March 29, 2025 JM Julie M OwnerReal Estate, 2 - 10 employeesUsed the software for: Less than 6 months. “I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface...“ November 19, 2024 ## Showing most helpful reviews Showing 1-25 of 405 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use merroudj N. freelancer Computer Networking Used the software for: 1-2 years ### "fast and easy payment processing" September 26, 2022 5.0 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. Pros 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 Cons 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. Review Source VR Verified Reviewer Member Photography Used the software for: 1-2 years ### "Great for small businesses that want to keep track of contractors" January 3, 2023 5.0 I can pay contractors, keep track of their invoices easily, and also keep track of their total annual payments for my tax purposes much easier. Pros It's made my life easier keeping track of each contractor and how much I've paid them over the year making taxes less of a hassle. Cons I'd love to see Melio function with Quicken. I'd like more customization for my own branding with creating and how clients see and receive invoices, giving me logos, names, and branding color options. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Melio I've been paid by a colleague who uses Melio and loved how it worked. I haven't really considered anything else Review Source Response from Melio January 5, 2023 Hi Adam, we are glad to hear Melio has made your life easier and that you find the tool useful. Thank you for sharing this review. Best, Team Melio ER Ernesto R. Owner Construction Used the software for: 1-2 years ### "BEWARE+STAY AWAY+SCAM" April 24, 2025 1.0 Was decent at first, then went bad. downhill fast. Seems like Melio is having funding and financial problems. They will hold your money for long periods of time. BEWARE...!!! Pros Not much, I don't know. Let me see...? Hmmm...! Ummm,,,! Nothing! Cons Stay away from this company. They don't have a phone number. They double charged me fees.Also- my customers can't pay on the website for some reason? Review Source Response from Melio April 28, 2025 Hi Ernesto, thank you for sharing your feedback, though we’re sorry to hear about your experience. If a double charge did in fact happen we want to look into this as we take these concerns seriously. We were unable to find you in our system, so while our support team is available through chat, email, or phone if you are a Boost subscriber, please email us directly at reviews@melio.com, so that we can help resolve this matter for you as quickly as possible. All the best, Team Melio VR Verified Reviewer Founder Professional Training & Coaching Used the software for: 6-12 months ### "A simple ach solution " April 4, 2022 5.0 It’s a really positive experience. I use it and recommend it. Pros The ease of use is what I like best about melio. It took no time to setup the account, connect it to my bank and get going. It’s allows you to pay vendors and collect their Banking info in one place. That’s my favorite part. Cons My least favorite part is that it doesn’t appear to create 1099 from the platform though it’s listed in the features. If you can, it’s really tough to find so simplifying that would be helpful. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/)[Wave](https://www.capterra.com/p/178021/Wave-Apps/) This a streamlined and didn’t have any fees to receive payments. Review Source CC Charles C. Director Marketing Chemicals Used the software for: 6-12 months ### "It allows for better workflow management." April 9, 2025 5.0 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. 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. Review Source Response from Melio April 10, 2025 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 Greg C. Founder Accounting Used the software for: 1-2 years ### "Many other better solutions" May 2, 2023 3.0 Pros The user interface is basic, but that's actually a good thing in this case Cons dispute resolution was atrocious - still unresolved over nearly 6 months Alternatives considered [Corpay One](https://www.capterra.com/p/200179/Roger/) Reason for choosing Melio I did not intentionally choose this product, it was forced onto me by a client Review Source Response from Melio May 10, 2023 Hi Greg, thank you for sharing this feedback. We'd love to turn this experience around for you and will need a bit more info to investigate this further. Please send us your contact details at reviews@melio.com so that one of our team members can assist you. Best, Team Melio KK Kara K. Accountant Accounting Used the software for: 1-2 years ### "Hands down my favorite AP software" May 8, 2025 5.0 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. Review Source Response from Melio May 12, 2025 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 RS Ruby S. Content Creator Internet Used the software for: 1-2 years ### "The best in the software market" October 12, 2025 5.0 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. Review Source NN Nick N. Owner Textiles Used the software for: 6-12 months ### "Helps paying bills" October 8, 2025 5.0 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. Review Source KW Kimb W. Owner Design Used the software for: 1-2 years ### "Smooth Business Transactions" March 16, 2025 5.0 I have to say that I've had a so-so experience with Melio for payments processing Pros It's the most suitable for business accounting software integration that will make everything smooth and clear Cons There is a chance of card payments to result in significant fees if you use the service frequently Review Source Response from Melio March 17, 2025 Hi Kimb, Thank you for taking the time to share your feedback. We're glad to hear that you find our software suitable for business accounting integration and that it helps keep things smooth and clear! While we're sorry to hear that your experience with Melio hasn’t fully met your expectations, and we truly appreciate your honesty. We’d love the opportunity to correct this and improve your experience. Please feel free to reach out to us at reviews@melio.com, and we'll do our best to address any concerns you have. We're here to help! KB Kemoi B. Project Manager Marketing and Advertising Used the software for: 1-2 years ### "Melio is user friendly and get the job done consistently " May 4, 2023 5.0 It saves me time with invoicing. I have been using this tool for years and I enjoy using it. Pros It's free and it's an essential tool to run my business. I can send invoices and collect payments with ease. Cons The processing time on paid invoices. I can't mark invoices as paid within Melio Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Melio It's affordable and I can connect to QuickBooks. And it has a user-friendly interface. Review Source Response from Melio May 10, 2023 Hi Kemoi, thank you for taking the time to share your experience with Melio. We're glad to hear that our user-friendly platform has been an essential tool for running your business and that you find it easy to send invoices and collect payments. We appreciate your feedback. Best, Team Melio BA Bill A. President Machinery Used the software for: 1-2 years ### "Exhausting Melio" July 31, 2024 1.0 Using Melio increased the time I spend on book keeping. That should tell you all you need to know. Pros There is nothing about Melio that makes my job any easier Cons Having it forced on me by Quickbooks Inability to talk to a real person Holding my money for 10 days AND charging me a fee for paper checks Cancelling payments for no apparent reason, to vendors previously paid, only referred to TOS to find the reason. Ugh. Review Source Response from Melio August 5, 2024 Hey Bill, Thanks for sharing your review with us and the community—we really appreciate it! Our goal is to ensure a smooth experience for all our customers, so we're sorry to hear that we fell short of that with your recent experience. Our support team is available on weekdays from 9 am to 8 pm EST. You can chat with a live agent for any assistance you may need. We'd also love to investigate your cancelled payments and the 10-day payment further, but we need more information from you. Please reach out to us at reviews@melio.com, and we'll look into these issues for you. Looking forward to getting this sorted out with you soon! All the best, Team Melio DZ Dana Z. Owner Accounting Used the software for: 1-2 years ### "Great option, cheaper than Bill" June 12, 2025 4.0 Pros Easy to use, software is modern and clean looking and the payment delivery dates are clear when you pick your options. Cons The fee structure can be a bit confusing when you are getting started. Some payments don't have a fee though which is lovely. Review Source Response from Melio June 24, 2025 Hi Dana, Thank you for the thoughtful review! We're glad to hear you're enjoying the clean design and clear payment delivery options — and it's great to know the fee-free payments have been a nice bonus. We hear you on the fee structure being a bit confusing at first. We're actively working on making that clearer for new users, so your feedback is super helpful. If you ever have questions or want a quick walkthrough of how fees apply, don’t hesitate to reach out — we’re always happy to help. Thanks again for being part of the Melio community. All the best, Team Melio BM Brandon M. Owner Accounting Used the software for: Less than 6 months ### "Great for Small Businesses. " April 13, 2025 5.0 Great experience overall, great support and pricing. Pros I really like the simple navigation and that it does the tasks it claims well Cons My only issue is that card payments aren't sent on weekends. Review Source Response from Melio April 14, 2025 Hi Brandon, thank you so much for your feedback — we truly appreciate you taking the time to share your thoughts with us! It’s always helpful to hear directly from our users, and your input plays an important role in helping us improve! Best, Team Melio AC Ania C. Assistant Manager Consumer Services Used the software for: 1-2 years ### "Melio is really good" November 19, 2024 4.0 It has been a good experience and has relieved a lot the way credit card payments are processed. Pros It allows processing payments via Credit Card online in a secure way Cons It's easier for the customer to use as a guest instead of login in because it can become confusing. Review Source Response from Melio November 22, 2024 Hi Ania, Thank you for your positive feedback! We're delighted to hear that you find Melio secure and effective for processing payments. Your insight about the guest login experience is greatly appreciated—ease of use is a priority for us, and we’ll keep working to make the platform even more intuitive. It’s wonderful to know that Melio has made managing payments simpler and more efficient for you. If you ever have additional feedback or need assistance, feel free to reach out. We’re always here to help! All the best, Team Melio JR Julian R. Finance and foreign trade Retail Used the software for: 1-2 years ### "satisfied payment experiences" October 9, 2024 4.0 It allows me to have a more detailed payment report and better manage payment accounts Pros It makes all payment management easier to carry out and gather financial information on a single platform to have control and order of each invoice. The data is stored on a secure platform that allows payment tracking for more security Cons I like everything about Melio, I have felt pleased to use this platform that gives me a better job Review Source Response from Melio October 10, 2024 Hi there, thank you for sharing your insights with us! We're glad to hear that we've helped streamline your payment management and improve your overall workflow. We'll make sure to pass your feedback along to our internal teams—it’s insights like yours that help us continue to enhance our service. If you ever have more feedback, feel free to reach out to our support team via live chat or by submitting a ticket through our help center, available weekdays from 9am to 8pm EST! Take care, Team Melio KC Kyle C. CEO Restaurants Used the software for: 2+ years ### "Glaring Security Problems" July 25, 2024 4.0 Pros I enjoy the ease of collaboration, having multiple separate accounts linked and the ease of training. Also vendors find it easy to use too. It's a simple system. Cons Security flaws are huge. I have reached out numerous times and get no serious response. Literally any employee or CPA or bookkeeper that I give access to Melio can at will change any vendor ACH information? Anyone. There is no way to prevent it. You have to just hope you dont have a disgruntled employee or book-keeper? What's worse is that there is no alert. No way to be informed. No way to approve. Anyone can change that information if they have access to my Melio account. 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. I just can't take the risk of my money being stolen because we all know Melio will not do much to get it back once it's gone. I'd stay away from Melio until this fixed. Review Source Response from Melio August 2, 2024 Hi Kyle, thanks so much for sharing this review with us— we truly appreciate it. Collaboration is crucial to enhancing teamwork, and we are fully committed to supporting your team and improving your overall teamwork experience. When it comes to the accountant role in your Melio account, they have partial access. This means they can add bills, include a delivery method, and sync with accounting software. However, there are some limitations to this role, such as not being able to set a default payment method, add other team members, or edit company details. For a detailed list of permissions, please visit our help center and head to the "managing your team" section. We also apologize for the missed outreach, and we want to make it right. Please reach out to us via email at reviews@melio.com, and we will be more than happy to assist you with any questions or queries you may have. We are here for you and your team every step of the way. All the best, Team Melio RG Reed G. Sole Propietor Real Estate Used the software for: Less than 6 months ### "Absolute HELL. Stay AWAY!! Horrible, horrible, horrible." September 17, 2022 1.0 First hopeful. Then confused. Later frustrated and anger. Now disgust and acceptance. Overall a very negative experience when dealing a payment processing service. Pros It’s free, it’s advertised nicely, but there are actual NO pros because they are not a professional service. Cons Customer support is a joke. They responded to my email with 1 sentence that was so vague, I didn’t have any idea what they had requested from me. In summary, they discrimate against sole proprietorships, freelancers, contractors, and self-employees persons. They specify say that they DON’T do this and think that makes everything okay. That’s why I say this is not a professional service. They are fishing for high volume businesses so they can make money on credit card processing. They are dishonest in their advertising. I am being put out and payments are being delayed due to this weird and terrible company. It’s all a con. Reason for choosing Melio Lack of fees Review Source TT Toni T. Owner Accounting Used the software for: 2+ years ### "No Longer An Asset to My Clients or Practice" September 8, 2023 1.0 Terrible!! Pros There is absolutely nothing I like about Melio anymore. This payment service is not ideal. Most of my clients do not use it. And for the one's who do, I am working to remove them from the platform. Cons Melio declines all expedited payments no matter the amount. 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 consistently causing issues for my clients and causing my payments to be late. Again I am working to remove the remaining few from this platform and encouraging them to use other AP platforms that come with bill pay or simply use their banks. So far I've removed 13 clients and I now need to remove 4 more and I can be done with the nightmare. Review Source Response from Melio November 7, 2023 Hi Toni, thanks for sharing this feedback. We're so sorry this has been your experience. We would like to take a look into your client's accounts and see why these payments have been declined. However, we understand if you've already stopped using Melio. Should you decide to use Melio again down the line, please don't hesitate to reach out to us at reviews@melio.com with any questions or feedback. We want to make this a better experience for you. Best, Team Melio NL Noah L. Owner Food & Beverages Used the software for: 1-2 years ### "Saves me hours every week, for free! " March 31, 2022 5.0 So easy to use, good service, fast, and free! Pros It's like the best bank bill pay ever! Easy to set up recurring payments and see delivery times. Cons Wishlist - if it integrated fully with Wave Invoicing, that would be cool, and that would provide an entirely free connected workflow. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[Corpay One](https://www.capterra.com/p/200179/Roger/) Reason for choosing Melio Free and much easier workflow Review Source KS Kyle S. NA Real Estate Used the software for: 2+ years ### "Great system" August 13, 2021 5.0 It has been great, my only cons are relatively minor issues, and the system is very useful for my business. Pros Melio is a great payment processor, I have a much better experience with them than with their only real competition, Plastiq. While Plastiq has IRS-esque customer service, Melio really go out of their way to ensure a positive user experience. Melio is also faster at processing ACH payments, which is a huge plus. Cons It would be really helpful if Melio offered wire transfers, and aggregate payments (ie, charge 10k to card 1 and 10k to card 2 so as to issue a single payment of 20k). Also, sometimes compliance reviews cause payment delays. They could perhaps offer a cut off before which compliance reviews will not cause delays if the review is passed, that would make the system have more reliable timing. Review Source Response from Melio September 9, 2021 Hi Kyle, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and that our customer support team has been able to assist you. We appreciate your detailed feedback and will take it into account as we continue to improve our product and service. We do have some good news on this front already: Partial payment options that will allow you to use multiple payment methods for a single bill and create installments are currently in development, and we hope to roll them out soon. Wire transfers are also in the works, so stay tuned. All the best, Team Melio JB Joel B. Marketer Marketing and Advertising Used the software for: 1-2 years ### "Melio my Invoice Maker " May 2, 2023 5.0 I'm able to Create Invoices for my Customers.It makes it easier for me to create invoice for my Customers and Clients to do some job Pros I love the Invoicing aspect of Melio so much, It makes it Very easier for me to create invoice for my Customers and Clients to do some job Cons I don't have any problem with MelioIt's Perfect Review Source Response from Melio May 11, 2023 Hi Joel, thank you for sharing this review. We're happy to hear you love the invoicing aspect of Melio. We'll be sure to pass this feedback along to our team. Best, Team Melio TP Troy P. Accountant Accounting Used the software for: 6-12 months ### "Lost our Money" November 21, 2021 1.0 We received notices from Melio for client scheduled payments for $2100 and $455 on \[SENSITIVE CONTENT\]. They were both in the list "In-Progress" on the Melio site/dashboard. \[SENSITIVE CONTENT\] we alerted by one client payment was rejected for no apparent reason (they paid ach) ($455). The other payment for $2100 and totally disappeared from the system - not in anywhere in the Melio dashboard (Paid, In -Progress, unsent or sent). I have grave concerns about their ability to handle transactions. I attempted to contact support but you cannot call - only chat or email and they are of course closed on the weekend. 1 star is for issues as well as lack of ability to contact them for urgent issues like this. This product while I had very high hopes still seems VERY BETA. Not going to gamble my money to help another company test their code. Pros Low cost, simplicity of system, integration with QuickBooks online Cons Support is a challenge. Software is unstable and buggy. Clients are declined for ACH - not sure how or why and payments just disappear ? Product is more beta than stable release. Reason for choosing Melio Cost and integration with QuickBooks online Review Source Response from Melio December 1, 2021 Hi Troy, thank you for taking the time to share your experience. Upon taking a look, it appears our Risk & Compliance team was unable to support these transactions as they were personal in nature. As is clearly stated on our website, in our terms of service, and within our payment flow, Melio is strictly a B2B payment solution and, for regulatory reasons, can only facilitate payments where both parties are registered business entities. We can confirm our team has made efforts to reach you via email regarding the processing of these payments. For further assistance, please respond to our team directly at compliance@melio.com. All the best, Team Melio KF Kallie F. Marketing Lead Online Media Used the software for: 2+ years ### "Melio saved us in a crunch and we've stayed for years!" May 2, 2023 5.0 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. Pros 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. Cons 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. Review Source Response from Melio May 17, 2023 Hi Kallie, thanks for sharing this five star review. We're delighted to hear that Melio has allowed you to process payments quickly, safely, and conveniently. Our goal is to consistently deliver the support and assistance you require for your business. We greatly appreciate your continued support over the years and we'll be sure to pass this feedback along. Best, Team Melio Oumarou S. CEO Internet Used the software for: 6-12 months ### "Melio transformed my business billing" March 31, 2022 5.0 My overall experience with this product is awesome. My business billing and accounting became easier than ever tongues to Melio Pros This Product is full of good features but what I like the most are the mobile payment and invoice history. Cons I do recommend Melio to keep going on that way. I am so happy using this product. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.