# Page 2 | Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - 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 2 - Reviews of Melio ## Showing most helpful reviews Showing 26-50 of 401 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use LC Lin C. CEO Consumer Goods Used the software for: 2+ years ### "Easy-to-Use Payment Platform" January 5, 2026 5.0 Overall, my experience with Melio has been positive. The learning curve was very low, and it provided good value for money for our needs. We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable. Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues. Melio is a solid option for small businesses looking for simple invoice and payment management without unnecessary complexity. Pros Melio is very easy to use with a minimal learning curve. The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup. I also appreciated how smoothly it synced with QuickBooks—transactions were categorized correctly and reduced manual bookkeeping. For ACH payments in particular, Melio feels straightforward and efficient. Cons While Melio works well for basic ACH payments, it can feel limited for more complex transaction management or advanced invoice workflows. Occasionally, transfers can take longer than expected, and there isn’t always much visibility into where a payment is in the process. Some additional reporting or customization options would be helpful. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[Wave](https://www.capterra.com/p/178021/Wave-Apps/) Reason for choosing Melio We chose Melio primarily because of its competitive processing fees compared to Wave and QuickBooks. Melio offered lower costs for ACH payments, which made it a better fit for our billing needs—especially as we were sending invoices to vendors who paid via ACH. The overall fee structure felt more transparent and affordable without sacrificing essential features. In addition, Melio’s user experience and QuickBooks integration were strong differentiators. The platform was very easy to use, and syncing payments directly to QuickBooks saved us time on reconciliation and reduced bookkeeping errors. While competitors like Wave and QuickBooks Payments have their merits, Melio struck the best balance of cost-effectiveness, ease of use, and reliable transaction management for our specific use case. Review Source ER Erika R. Real estate investor Real Estate Used the software for: Less than 6 months ### "Simple, Reliable, and Perfect for My Real Estate Business" November 21, 2025 5.0 Being able to send payments by bank transfer or credit card gives me the flexibility I need depending on my cash flow, especially during busy months with listings and closings. I also like that Melio keeps everything organized, so I never miss a payment and all my vendors receive their funds on time. Melio has become an essential tool for my business. Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments. Pros For my type of business, where I work with different service providers and need quick, reliable payments, Melio has been a great tool. I definitely recommend it to other real estate agents or small businesses looking to simplify their payables. Pros: •Very easy to use •Flexible payment options (ACH or credit card) •Great for managing multiple vendors •Keeps payments organized and on time Cons I honestly haven’t experienced any real cons so far. Everything has worked smoothly for my needs. The only ‘con’ is that I wish I had started using it earlier, it really simplified my payments. Review Source VR Verified Reviewer Administrateur International Affairs Used the software for: 1-2 years ### "Un outil simple et efficace pour les paiements B2B." August 5, 2025 5.0 J'ai choisi d'utiliser melio à cause de sa gratuité de paiement ACH et l'intégration facile avec QuickBooks. Pros Melio est incroyablement simple à utiliser, même pour quelq'un qui n'as pas pas une grande expérience comptable. j'apprécie particulièrement la possibilité d'envoyer des paiements par ACH et l'option de payer par carte bancaire même si le fournisseur ne l'accepte pas. Cons Le support client pourrais être plus réactif dans certains situations.Aussi les fonctionnalités avancées comme les paiements internationaux ne sont pas encore disponible dans tout les cas . Review Source Response from Melio August 11, 2025 Hi there, thank you for sharing your feedback! We’re glad to hear that Melio’s ease of use, ACH payments, and credit card payment flexibility have been helpful for your business. We also appreciate your note on customer support responsiveness and advanced features. Your input helps us improve, and our team is actively working on enhancing our support experience and expanding international payment capabilities. Thanks for choosing Melio! All the best, Team Melio FA Fethudin A. Finance Director Religious Institutions Used the software for: 2+ years ### "The Worst Experience With Melio" June 23, 2025 1.0 Pros Please don't integrate Melio with your QuickBooks Online account. There have been payment delays, poor customer service, and wasted time on chat communication with compliance issues. Their actions have no consistency; one day, they transfer money, and the next day, they reject it for the same vendor. Alternatives considered [Tipalti](https://www.capterra.com/p/236980/Tipalti/) Reason for choosing Melio This was a mistake for me to choose Melio over others Review Source Response from Melio June 24, 2025 Hi Fethudin, Thank you for sharing your experience. We're sorry to hear that you’ve encountered delays and inconsistencies — especially when it comes to something as important as paying vendors. We strive to make the integration with QuickBooks Online smooth and reliable, but it's clear we fell short here. Compliance reviews can sometimes add unexpected friction, but that’s no excuse for poor communication or lack of clarity. We want to fix that. If you’re open to it, I’d love the chance to personally look into your case and help make things right. Please reach out to us at reviews@melio.com so we can follow up directly and ensure you get the support you need. We appreciate the feedback — and the opportunity to do better. All the 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 LB Lindsay B. Social Media Manager Restaurants Used the software for: Less than 6 months ### "Simple payment processing manager" January 12, 2026 5.0 Pros It is a real pal when you are launching a business. You can send an invoice to clients and they pay how they want. No hidden service fees, you will receive 100% in your bank account. Cons The credit card fee is standard, but some clients don't want to pay extra fees when they are paying a small invoice. So it is better for consequent payments. Review Source 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 BK Bridgette K. owner Retail Used the software for: 6-12 months ### "Great software, if the payment is successful. " November 10, 2025 4.0 Pros The software is straight forward and does not require much of a learning curve. The customer support is quick to respond, usually within 20 minutes via the chat support. I chose this software to assist with money transfer and the managing of invoices. I do not recall any fees or charges associated with the software. Set up took all of about thirty minutes, if that. Cons I wanted to love this software, but was unfortunately unable to truly experience its benefits. I have been in business over ten years and have used multiple invoice software companies with no issues. What attracted me the most to Melio was same day and next day ACH transfer. This never happened. 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. The software has great promise, but not much follow through. 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 JF Jonah F. Writer Writing and Editing Used the software for: 1-2 years ### "Simple Option for Paying Bills" May 14, 2025 5.0 Pros Lets me send payments by bank or card, even if the other person doesn’t use Melio Cons Some payments take a bit longer to go through, but it gets the job done well Review Source Response from Melio May 21, 2025 Hi Jonah, Thank you so much for your thoughtful feedback. We really appreciate you taking the time to share your experience! Don't hesitate to reach out if there’s anything you need help with - we’re always here to help! 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 RW Ryan W. CEO Furniture Used the software for: Less than 6 months ### "Easy Accounts Payable Solution" March 3, 2025 5.0 very easy to setup and continue using. Invoices can be easily updated and fields with info from invoices are automatically populated. Very easy to integrate with Quickbooks Pros Makes accounts payable easy to track and make payments Cons 0.50 per ACH fee after 20 ACH per month. If I'm already paying a subscription it should include free ACH. Also wish the drop down for category could be customized. it would save me time instead of having to scroll almost all the way to the bottom Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Melio Melio was easier to use and I liked the workflow over Quickbooks Payable option. Review Source Response from Melio March 5, 2025 Hi Ryan, thanks for your feedback! We understand your concerns about ACH fees and category dropdown customization. We’re always looking for ways to improve, so we’ll pass this along to our team for consideration. If you have any other suggestions or need assistance, feel free to reach out! All the best, Team Melio BM Brittany M. Owner Alternative Dispute Resolution Used the software for: 6-12 months ### "Love this app" January 19, 2025 5.0 Pros 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 Cons There’s nothing I don’t like!!! It’s amazing Review Source Response from Melio January 21, 2025 Hey Brittany, thanks for sharing your feedback with us. We're happy to know that you are enjoying our product! If you ever have any questions or concerns, feel free to contact us, and our team will be happy to help. All the best, Team Melio GI Gabriel I. Founder E-Learning Used the software for: Less than 6 months ### "Great platform for paying out freelancers and contractors" March 29, 2025 5.0 As a freelancer, recieving payments is an awesome experience. Pros 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% Cons I dont have any complaints. Everything works like it should. Review Source Response from Melio April 3, 2025 Hi Gabriel, we're so glad to hear that you've had a positive experience using Melio! Making payments smooth, fast, and hassle-free is exactly what we strive for, and it's great to know the 1% faster payment option has been helpful for you. Thanks for sharing your feedback—we appreciate it. 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 aH alton H. owner Arts and Crafts Used the software for: 6-12 months ### "Melio is Awesome" September 14, 2024 5.0 Pros Melio offers my business the luxury of paying vendors and receiving payments without high subscription fees or a lengthy set up. I was able to pay several vendors within minutes without headache or hassle. My vendors received payments within days and not weeks. This is an awesome and much appreciated feature for my small business. Cons All the current features met my business needs and expectations at this time. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Quickbooks sometimes puts a pause on payments while verifying, this can sometimes be a headache waiting on payments. Also, quickbooks is not within my price point at this time. Melio offers invoice services for a fraction of the cost. Review Source Response from Melio September 16, 2024 Hi Alton, Thank you for your thoughtful feedback! We're thrilled to hear that Melio has made managing vendor payments quick and hassle-free for your business. It's great that you've found value in our affordable invoice services. We appreciate your support and look forward to continuing to serve your business needs! All the best, 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 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. Switched from [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) It was forced on me by Quickbooks. They contracted to use Melio and disabled my ability to use my own bank's bill pay system which had been previously integrated into Quickbooks. 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 MA Miriam A. Admin Associate Education Management Used the software for: I used a free trial ### "Melio- reliable and easily to use " April 27, 2025 5.0 Pros Malio is quick to learn and start using immediately. Can create a streamlined workflow easily Cons There is extended free trial unfortunately. More options at different price points would be ideal Review Source Response from Melio April 29, 2025 Hi Miriam, Thank you so much for your thoughtful feedback! We’re thrilled to hear that you find Melio easy to use and that it helps streamline your process — that’s exactly what we strive for. We also appreciate your note about the free trial and pricing options. We’ll be sure to share your feedback with our team as we continue to explore ways to better serve our users. All the best, Team Melio BA Bianca A. Accounting Accounting Used the software for: 2+ years ### "Melio Review" July 1, 2024 5.0 We have been using Melio for years. We are happy with the platform and it serves its purpose for what we need. Pros Melio offers an easy to use user interface. It is easy to navigate through the platform and is visually appealing. Cons The character count in the Invoice # and note to self section. It is only 50 characters which limits how many Invoice #'s we can enter. Review Source Response from Melio July 2, 2024 Hi Bianca, thank you for taking the time to share your feedback with us; we greatly appreciate it! We are thrilled to hear that you have been a Melio customer for a while and that our easy-to-use interface helps you navigate your business's workflow seamlessly. We will make sure to pass your feedback along about the character limit for the invoice and note to self sections for future improvements. We are looking forward to continuing to serve your business and implementing many new features that you would like! Cheers, Team Melio DM Dawn M. Notary Public Legal Services Used the software for: Less than 6 months ### "Can’t get paid" June 10, 2024 1.0 Apparently my experience is awful because I can’t get my money Pros I am a Notary in the state of Florida. I currently have 2 customers who are attempting to use Melio to pay me. I have tried numerous times and different ways to set up my ACH payments to my bank account. Melio will not recognize my bank. Unfortunately now Signature Mobil Services refuses to pay me any other way and CAC has been trying to pay me thru Melio and is unable. Cons I still can’t get paid and I’m disgusted with the process there are no phone numbers to call and I get nowhere when I email Review Source Response from Melio June 14, 2024 Hi Dawn, thanks for sharing this feedback. We're so sorry this has been your experience. We would like to take a look into your accounts and see why you haven't been able to add your bank account. In order for us to further investigate this issue, please don't hesitate to reach out to us at reviews@melio.com with any questions. We want to make this a better experience for you. franck stephane M. Consultant Computer Hardware Used the software for: 1-2 years ### "Evaluation melio" April 29, 2024 4.0 Globalement ici melio ma facilité les transactions et mes paiements ainsi que ma gestion des factures donc pour moi globalement j’aime bien . Pratique simple et bonne prise en main Pros \-pas de frais d’abonnement inscription gratuite -le paiement à l’international des fournisseurs -possibilité de combiner des paiement Cons Le seul inconvénient que j’ai pu constater ici c’est juste des lenteurs parfois et aussi l’application consomme assez de données Review Source Response from Melio April 30, 2024 Hi Franck, thank you so much for sharing. Our goal is to offer an easy-to-use user experience, and we are glad to hear that you've found it to be just that. We take your feedback very seriously, and we'd like to hear more about what makes the Melio app slow and data-consuming. Email us at reviews@melio.com, we'd love to chat. Best, Team Melio Julien Fara C. Entrepreneur Venture Capital & Private Equity Used the software for: 6-12 months ### "JC avis Melio" December 27, 2022 5.0 Depuis que j'utilise cette application, je gère bien ma facturation avec mon entreprise. Et j'effectue également des paiements en ligne. Pros J'ai bien aimé le fait de facilement faire mes paiements et régler mes factures en ligne. Cons Pas grandes choses à dire. Juste corriger certains beug au niveau de la connexion à l'application. Review Source Response from Melio June 7, 2023 Hi Julien, Thank you for sharing this review! We're happy to hear our you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team. Best, Team Melio MM Melissa M. President Accounting Used the software for: 1-2 years ### "Melio helps me get my vendors paid easily and on-time FOR FREE!" March 31, 2022 5.0 Pros Melio integrates VERY WELL with QBO. I'm able to set up vendor bills/payments with a simple approval workflow quickly and easily. My vendors can choose how they are paid (paper check or direct deposit) and I can choose how to pay them (bank account or credit card). Paying with a bank account is FREE! Cons I'm finding that my vendor addresses don't carry over from QBO to Melio, so the first time I pay a vendor in Melio I have to type in the vendor address in Melio, even though it's already set up in QBO. It's a minor inconvenience that I'm hopeful Melio will fix. (Their customer support is great!) Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio Bill.com is SO EXPENSIVE Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) We switched to Melio because we wanted a cost-effective way to pay vendors without printing paper checks in the office. Review Source JD Jamie D. Accountant Accounting Used the software for: 2+ years ### "Melio is the best and works seamlessly with QBO" November 17, 2022 5.0 There were a few kinks at first but most of them have been worked out, the customer service is great. I have enjoyed working with them to fix issues or work out bugs. 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 bookkeeping for. I love how quick and easy it is, and it's all in one platform, incoming, outgoing and history. I love everything about Melio. Pros The fact that it is free for ACH and has the integration with QBO. It has become my go to for my clients and bill paying and payment processing. I can track all of there A/R and A/P and submit payments or receive payments with a click of a button, makes it so easy and simple. I recommend to my clients and I use it myself almost daily. 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. It just makes sense. Cons The fact that the ACH option still takes sometimes 3, 5 or even 7 days to receive does put a strain on cash flow for some clients. 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 received date would still be after the due date which makes it frustrating at times. I appreciate the 2 checks a month for free before charging and realize it can't all be free, but it was nice when it was free. I also wish they had more business to person options, not just B2B. This would be super valuable for Non-profits to save on processing fees as well as some MLM businesses. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Because of the ease of use and the automatic integration that saves so much time with data entry. The recurring payment setup is the best. Review Source Response from Melio November 29, 2022 Hi Jaime, thank you 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 Talk to a Capterra advisor for free and get results within 15 minutes.