# Page 10 | Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 10 - Is Melio the right Accounts Payable solution for you? Explore 401 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/184673/Melio/reviews --- Melio 4.2 (401) 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 March 13th, 2026 # Page 10 - Reviews of Melio ## Showing most helpful reviews Showing 226-250 of 401 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use KB Kate B. CFO Staffing and Recruiting Used the software for: 6-12 months ### "Melio Feedback" December 17, 2020 4.0 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. Pros 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. Cons It takes over a week for a live check to be delivered to a vendor, which is a long time. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio I loved the fact that it was free, and had all of the functionality that I was looking for. Review Source Response from Melio December 20, 2020 Hi Kate, thank you for taking the time to post such an excellent review. We are glad Melio has been able to save you time and busywork. We are currently working on a fast check feature and it should be available soon, so stay tuned. All the best, Team Melio KK Kemal K. CEO Information Technology and Services Used the software for: 1-2 years ### "We lost money" December 19, 2022 3.0 Payment processing takes too long. At best an average/OK service. Pros When I started using Melio for our company Debit Card processing was free. After it established itself it started charging for Debit Card Processing.I can ask my customer to pay for the transaction fees. Cons I ask a customer to make a payment for a service. I receive an email from Melio that their payment is accepted. I provide the service. 1-2 days later I get another email from Melio that the payment has been rejected. I already provided the service. Good luck getting paid. I never had this type of issue with PayPal before so it is very annoying and costly. This happened to me several times. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Debit Card Processing was free. (not anymore) I could ask Customer to pay transaction fees. Review Source KS Khash S. Founder Information Technology and Services Used the software for: Less than 6 months ### "Should not be in business... " August 4, 2022 1.0 The money came out of our account very quickly sat on their site for over a week, and then in 3rd week, it showed as deposited... The vendor never got the money... One payment bounced, and when I reached out, they said, " Oh, we can refund that to you after 3 to 5 days... For the other two payments, we have to wait or talk to your bank... From now on, I will use my own bank ACH and pay the $45 ach fee... Since this tranx cost me 15% late fees to my vendor which is about $2k... As a start-up we can't afford this kind of BS.... WILL NEVER USE THIS SERVICE and am seriously questioning my usage of QUICKBOOKS... NOT SURE WHY THEY PICKED THESE FOLKS... Pros It seemed to be integrated with Quickbooks, so I thought it would be easy to use... Review Source Response from Melio August 10, 2022 Hi Khash, Thank you for bringing this to our attention. We would love to turn this experience around for you and make things right. Our support team is looking into your case with extremely high priority, but we'll need a bit more info to proceed. Kindly send us an email at support@melio.com with the subject line "Capterra review". Please include a description of your issue, contact/ account details, and ticket number (if you have)- we'll take it from there and ensure your case is responded to by a member of our support team within 1-2 business days. Thank you for your cooperation and understanding. Team Melio KB Krystal B. Accounting Associate Accounting Used the software for: Less than 6 months ### "Straight Forward" January 3, 2023 4.0 So far pretty easy to use Pros Pretty user friendly and straightforward. Cons Uploads are limited to one item so when backup is needed I have to manually combine docs into one file rather than uploading multiple files. Review Source Response from Melio January 4, 2023 Hi Krystal, thanks sharing this review. We're glad you are finding Melio helpful and easy to use. We'll be sure to pass your feedback along. Best, Team Melio BH Basim H. Managing Member Restaurants Used the software for: 6-12 months ### "Bill Paying made Easy" January 3, 2023 5.0 Pleasant experience overall and definitely would recommend Pros One of its best features is that I am able to schedule vendor payments as invoices come in and later track and balance. Cons Some glitches I had with the software when vendors were paid by a single use card even though they didn’t request it. Review Source Response from Melio January 5, 2023 Hi Basim, thanks for leaving this review for us and the community. We are glad to hear Melio has made bill paying easier for you. Best, Team Melio SR Steven R. President Management Consulting Used the software for: 1-2 years ### "Easy to use Payment Processing" January 3, 2023 5.0 Very satisfied Pros Simple, no cost method to pay your suppliers and subcontractors electronically with direct deposit. Cons No dislikes. I hope they continue to build out the product and platform and keep it cost effective. Review Source Response from Melio January 5, 2023 Hi Steven, thanks for sharing your review. We are glad to hear you are finding Melio resourceful and easy to use. Best, Team Melio VR Verified Reviewer Founder Marketing and Advertising Used the software for: 6-12 months ### "Sorry we don't accept credit cards - has that bothered you before? " February 2, 2020 5.0 Overall it's given me the freedom, and the recipients all flexibility to make transactions fast and convenient. I also particularly like support. They are real people and treat their customers as real people. Fintech can often get caught up in the tech side, and forget that it's is still humans housing the product. Pros The onboarding is fast and easy. It is a direct solution and no ambiguity. The support was fantastic and has helped when needed it, and that was user error, not the platform. What I like most is that Melio gives you the flexibility that you wouldn't get in your financing and A/R flex. It's also something that has actually helped our client's more than it's helped us. Cons There are some limits to what you can use it for, while I understand those limits, sometimes you'll run into sites that it might not work with. Perhaps a bit more detail on the progress of transactions, and an audit trail. It's a great solution to a simple gap, doing one thing well it's hard to find faults. That said I don't use it every day. Review Source Lettie T. Owner Real Estate Used the software for: 1-2 years ### "Easy to use" May 2, 2023 5.0 Overall, my experience with Melio had been good and I do recommend them to others. Pros I love that I can set up recurring payments to my contractors. Cons The online platform is not the most user-friendly for me, but I can usually figure things out after reading through their help files. Review Source Response from Melio May 10, 2023 Hi Lettie, thanks for sharing this review. We are delighted to hear that the recurring payments feature and our help center have been valuable resources for your business. We appreciate your feedback and we'll be sure to pass it along. Best, Team Melio CH Chris H. Founder Consumer Goods Used the software for: 1-2 years ### "Excellent for paying for contract labor" November 7, 2022 5.0 Melio makes my life a lot easier. Pros Very easy to schedule ACH payments.Very easy to assign roles and permissions. Cons 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".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 this, you can't change it as payer. Review Source Response from Melio November 9, 2022 Hi Chris, we're happy to hear that you find Melio useful and easy to use. Thank you for sharing your review with us and the community. Best, Team Melio MB Max B. Brand Manager Consumer Goods Used the software for: 1-2 years ### "A Great Tool for Small Businesses" November 7, 2022 5.0 Pros I love the easy to use interface and the flexibility to pay vendors all over the world. Cons The connection to Quickbooks hasn't worked perfectly for us, but isn't a deal breaker. Review Source Response from Melio November 9, 2022 Hi Max, we're happy to hear that you find Melio useful and easy to use. Thank you for sharing your review with us and the community. Best, Team Melio EB Eric B. Co Founder Leisure, Travel & Tourism Used the software for: 6-12 months ### "Company Stole $4,000 - No Customer Support " December 10, 2023 1.0 Pros Nothing at all. They should be arrested for criminal activity. Cons They are thieves that steal money - check the reviews on other platforms. #Crooks Review Source Response from Melio December 18, 2023 Hi Eric, thank you for taking the time to share your feedback, and we apologize for any negative experience you’ve had. We have reviewed your interactions with our support team and can confirm your payment was completed and delivered on 12/12. Our support team has also followed up with you via email to address any additional concerns you may have. If you have any further questions or concerns, our support team can be reached via live chat Monday through Friday from 9 AM to 8 PM EST. We appreciate your patience as we work to improve your experience. Best, Team Melio CS Charles S. Owner Accounting Used the software for: 1-2 years ### "Melio" November 18, 2022 5.0 new pricing will force me to seek alternatives, other than that I like using Melio within QBO and had been recommending to my clients, but am now looking for alternatives due to the pricing. Pros Integration with QuickBooks Online, ability to send ACH or paper checks Cons new pricing for payments, delay in funding to vendors Reason for choosing Melio integration with QBO Review Source Response from Melio November 21, 2022 Hi Charles, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful. Best, Team Melio DT David T. Office Manager Food & Beverages Used the software for: 6-12 months ### "Fantastic, easy to use product" December 8, 2020 5.0 I have cut back on hand written checks by 90%, which saves me 2-3 hours and ACH transactions are more secure and immediate than mail. Pros I like how easy it is to use and the product feels very secure. Cons Copying vendors between stores under the same company would be a great feature. I found the Quickbooks integration clunky, as every time I made a payment it made several entries, but it's fast enough to manually enter payments. Review Source Response from Melio December 20, 2020 Hi David, thank you for posting such a great review. We are glad to hear using Melio saves your business so much time - it's what we're here for! We would also like to thank you for your valuable feedback and will pass it along to the team to see what can be improved. All the best, Team Melio ZH Zachary H. Self-Employed Professional Training & Coaching Used the software for: 1-2 years ### "Melio is Ultra Easy with Free Invoicing and Payment Processing" November 17, 2022 5.0 Pros Setting up Melio was a breeze, learning the platform took only a minute, integrating with Quickbooks Online was trouble free, and creating my first invoice was done in only a few steps. Best part, my business client received the invoice and the money was in my account within days, fee-free! Cons I would like to see the feature if I send an invoice to an email address that's already associated with Melio, then my client would automatically see the invoice in their Pay Inbox on Melio. I know this is possible with a unique email address, but why not link it to their Melio profile address. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Melio offered the same service without a monthly subscription Review Source Response from Melio November 21, 2022 Hi Zachary, thanks for sharing this review with us and the community! We're glad to hear you find Melio useful and easy to use. Best, Team Melio VR Verified Reviewer Blogger Information Technology and Services Used the software for: I used a free trial ### "Free trial " May 2, 2023 5.0 Pros Simplicity and Intuitiveness of the Platform Cons Just testing out...everything so far. All important features are available as per my need. Review Source Response from Melio May 10, 2023 Hi, thank you for sharing this review. We're happy to hear you find Melio intuitive and easy to use. We'll be sure to pass this feedback along to our team. Best, Team Melio TB Terah B. Winemaker Wine and Spirits Used the software for: 1-2 years ### "Terah wine co" May 2, 2023 4.0 Pretty good Pros Free ach for my customers online payments is fastest way to secure funds Cons Having to use a secondary software to send invoices Review Source Response from Melio May 10, 2023 Hi Terah, thanks for sharing this review. We're glad to hear that you find Melio resourceful and a quick way to secure funds. Currently, you can also send invoices from your Melio account! For further information on sending invoices, you can view our help center article here at the following link: (https://melio.zendesk.com/hc/en-us/articles/4446966050322-Start-getting-paid-with-Melio) We'll also be sure to pass this feedback along. Best, Team Melio SC Sol C. Operations Manager Marketing and Advertising Used the software for: 6-12 months ### "Quick, safe and easy!" April 12, 2023 5.0 No issues as of now. You can schedule payment and have an ETA to share with your vendors or whoever you are sending funds to. Pros I like how quick and easy it is to set up payments through Melio. Cons The one thing I find annoying is that you cannot back out if you create a new account by mistake. Reason for choosing Melio Quick and easy set up and no extra fees. Review Source Response from Melio April 13, 2023 Hi Sol, thanks for sharing this review with us and the community. We're glad to know you're finding Melio resourceful. If you ever make a mistake in your account, please reach out to our support team. They're available and happy to help via live chat M-F 9am- 8pm EST. Best, Team Melio VN Veronica N. Business Consultant Wholesale Used the software for: Less than 6 months ### "Quick set up and cheapest solution to receive ACH payments" June 5, 2021 5.0 Melio has smooth our collection process by providing the easiest way to receive online payments from our customers. Is easy to set up, easy to use, clean and smooth for our customers, and the best it is free for our customers to send ACH. Pros I love the interface is easy to use and the setup with our bank was super simple. I love this solution is simple and basically free of charge if your customers pay with ACH. Cons I would like a kind of integration with Quickbooks Desktop in order to keep the payments updates automatically Reason for choosing Melio Pricing Review Source Response from Melio June 13, 2021 Hi Veronica, thank you for posting your review. We are very happy to hear Melio made your life easier - that was and remains our goal. We have good news! We are currently working on an integration with QuickBooks Desktop, and it should be available soon, so stay tuned. All the best, Team Melio SR Sue R. Owner/ Founder Entertainment Used the software for: I used a free trial ### "Invoice" June 30, 2021 5.0 Outside of the invoice problem, I can't find fault. Pros I like the ease of use. I also like that it offers what PayPal doesn't...I can allow my clients/customers to pay using their credit/debit card without having to create a account. Thats what I'm looking for, at an affordable price...melio got it Cons in order to complete a transaction the client/customer will have to add a invoice....ummmm...thats NOT going to work. I will loose money like that. Tried sending a message...NOONE is there to respond. Time to move on to a competitor Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/)[PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) Paypal forces clients or customers to create a account to make a transaction via the personal link. Review Source Response from Melio July 5, 2021 Hi Sue, thank you for taking the time to post this review and provide us with valuable input that will help us make Melio even better. All the best, Team Melio DM Deena M. Office Manager Consumer Goods Used the software for: 1-2 years ### "Melio is a great program for paying bills" November 7, 2022 4.0 Pros I like that it links with QBO and you an auto sync anytime. You can choose a specific date to withdraw from the bank and a specific date to pay your bills. Cons There's really not much I do not like about it! Review Source Response from Melio November 9, 2022 Hi Deena, thank you for taking the time to post this review. We're delighted to hear you find Melio useful and are enjoying the features we offer. Best, Team Melio sP sandy P. accountant Accounting Used the software for: 6-12 months ### "Melio is a great option for sending and receiving payments" March 31, 2022 4.0 I have been extremely happy with the ability to have payments come directly into my bank account from the customer, and the fees are fair. Pros This product integrates very well with Quickbooks Online, and is fairly easy to use once it is set-up. Customer Service is great Cons Set-up takes a little bit of computer saavy, but customer service is very helpful. It takes a little bit longer than I would like to get the funds in my bank account after a customer has made the payment when they pay from their bank account. Alternatives considered [Veem](https://www.capterra.com/p/234815/Veem/) Reason for choosing Melio I did not need to process any international payments Switched from [QuickBooks Money](https://www.capterra.com/p/170065/QuickBooks-Money/) Quickbooks payments fees are too high, and the time it takes to get the money too long Review Source MM Markus M. Owner Media Production Used the software for: 6-12 months ### "Great payment tool" January 22, 2020 5.0 I'm excited to use this new platform, the customer service team is fantastic, they immediately respond and they're quick in understanding your 'concern' and will address it accordingly. If it's a new feature idea, they'll let you know that it's been on their list but that other features may currently have priority, appreciate that honesty to not create false hope. Pros Ease of setting up all my vendors so they can be paid via ACH with a few clicks (for free) Upload/scan of invoices Quickbooks integration, crucial!! Customer service Cons I look forward when they allow me to send out a link to new vendors so they can do their own onboarding (put in their contact & bank details) so that I don't have to chase them myself and input manually. Alternatives considered [Gusto](https://www.capterra.com/p/131882/Gusto/) Reason for choosing Melio I liked the 'simplicity' of use of Melio, it's exactly what my type of business needed. Review Source NS Nicole S. Owner Accounting Used the software for: 6-12 months ### "Great AP option!" December 21, 2021 5.0 Melio cuts down on the need for checks and you are able to schedule ACH payment for free. Pros It connects to QBO will ease. You can search for vendors or create a new one on the fly. Set parameters so the admin has to approve payments before they are scheduled. ACHs are free, unless you need it expedited. If you do not have the vendors bank details, it will send a request for them to enter it themselves. Cons I have not used the check feature yet, but ACHs take 3 days to process. I also have to manually record in Quickbooks desktop, as Melio only connects to QBO. Review Source Response from Melio December 22, 2021 Hi Nicole, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and are enjoying the features we offer. Sincerely, Team Melio SC Sachin C. Agritech Dairy Used the software for: Less than 6 months ### "For me every time find useful " May 2, 2023 4.0 Pros The platform offers a range of payment options, including credit card payments for bills that don't typically accept them, and automated recurring payments. While Melio charges fees for certain payment methods and processing times can be slow, the platform appears to be reliable and user-friendly, with responsive customer support. Overall, Melio is a solid choice for businesses looking for a simple and convenient way to manage their payments. Cons Change your website ui only payment page Review Source Response from Melio May 12, 2023 Hi Sachin, thank you for sharing this review. We're happy to hear you find Melio to be a useful tool for your business. We'll be sure to pass this feedback along to our team. Best, Team Melio MC Marni C. CEO Performing Arts Used the software for: Less than 6 months ### "Easy payments for small businesses " November 7, 2022 5.0 Pros I have ADHD, so I get overwhelmed easily, but Melio is so streamlined and easy to use! I'm so happy that my friend introduced me to it. It's just me paying independent contractors, and Melio makes it a snap! Cons I was scared of using a new software at first – and I wish that money could be transferred immediately without fees, but I understand why there needs to be a waiting period. Switched from [Venmo](https://www.capterra.com/p/222572/Venmo-/) I was using Venmo before I incorporated, but I love that Melio takes payments directly from my business account and makes it super easy to track where the money goes! Review Source Response from Melio November 9, 2022 Hi Marni, we're happy to hear that you find Melio useful and easy to use. Thank you for sharing your review with us and the community. Best, Team Melio Talk to a Capterra advisor for free and get results within 15 minutes.