# Page 4 | Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - 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 4 - Reviews of Melio ## Showing most helpful reviews Showing 76-100 of 401 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use VR Verified Reviewer Développeur logiciel Wholesale Used the software for: 2+ years ### "un outil efficace et simple pour gérer sa comptabilité" August 31, 2023 4.0 Pros Il est facile à prendre en main, intuitif et sécurisé. Il me fait gagner du temps et de l'argent en automatisant certaines tâches comme la relance des impayés ou la génération des rapports comptables. Cons Le fait de payer un abonnement mensuel pour accéder à toutes les options, il n'est pas adapté aux entreprises qui ont une comptabilité complexe ou qui ont besoin d'un expert-comptable Review Source Response from Melio October 11, 2023 Hi, Thank you for sharing this review. We're thrilled to hear that our platform has made your experience easy, intuitive, and secure. It's great to know that our automation features, like following up on unpaid bills and generating accounting reports, have saved you time and money. We'll be sure to pass this feedback along to our team. 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 cN calvin N. Owner Accounting Used the software for: 1-2 years ### "Save you a full time employee " November 17, 2022 5.0 Very positive, I love the billing Pros The billing is where melio shine, there is no match Cons It don’t work that well with accounting software for big client Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Melio Melio is price great for small businesses Review Source Response from Melio November 18, 2022 Hi Calvin, 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 JS James S. CEO Design Used the software for: 2+ years ### "Simplify Accounts Payable" November 7, 2022 5.0 Melio has simplified our accounts payable process. We have sent less than 20 checks during the last 2 years that we have been using Melio, down from hundreds of checks written and mailed in the years before. Simple to use, with some additional features that are sometimes needed, including "fast" ACH. Pros Melio is simple to use, fast to set up, and has allowed us to stop sending 90% of the checks we used to send. We have found that most of our vendors and contractors prefer electronic payments instead of paper checks. Cons Does not integrate with Quickbooks Desktop software. Review Source Response from Melio November 9, 2022 Hi James, we're so 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 BT Brad T. President Health, Wellness and Fitness Used the software for: 2+ years ### "I use with QBO, but it's better on it's own." April 4, 2023 4.0 I would pay a monthly fee for telephone support. Pros I use Melio payments primarily to pay 1099 Independent Contractors through Quickbooks Online. It took me a while to figure out I could go outside QBO directly to Melio and set up direct deposits in seconds rather than hours in QBO. Literally, that much difference!Melio is free unless you send an expedited payment, so it's a great deal - and better than bill.com which I also use... Cons Melio used to have outstanding phone support (still grateful to \[sensitive content hidden\] for al her help), but about a year ago, cut all that outl. Now you have to either go through email or chat and hope for the best. It's scary to trust you bank accounts to a company that doesn't even have a phone number. Review Source Response from Melio April 11, 2023 Hi Brad, thank you for sharing this review! We're happy to hear you find Melio useful and easy to use. If you need any further assistance, Our support team can always be reached via live chat Monday - Friday 9AM-8PM EST. Best, Team Melio NB Neilia B. Bookkeeper Printing Used the software for: Less than 6 months ### "Horrible Product, No Customer Care" August 12, 2022 1.0 Just terrible. I can't say I'd ever recommend this product to anyone. Ours is a small business and I shudder to think what a nightmare it would be for a larger company with more vendor payments. Pros None. It was terrible in every way. They've taken money from my client's account erroneously and I can't get a response from them as to when we can expect a refund. Cons Sending my vendors one check per each invoice. They called saying this made more work for them. Why no consolidation of payments on one check? Also, Melio took funds from my client's account erroneously and a month later, I still can't get them refunded and don't have any method of contacting Melio except through emails to its anonymous support team. Review Source Response from Melio September 14, 2022 Hi Neilia, Thank you for bringing this to our attention. We would love to turn this experience around for you and make things right. Kindly also send us an email at support@melio.com with the subject line "Capterra review". Please include the description of your issue, contact/ account details, and ticket number (if you have one)- Once we have your details, we'll take it from there and a support team member will reach out within 1-2 business days. Additionally, we're releasing the ability to combine payments, so you can pay multiple invoices with one check. Thank you for your cooperation and understanding. Team Melio KC Karen C. Research and Bookkeeping Specialist Commercial Real Estate Used the software for: 6-12 months ### "Worst customer service ever!!" September 30, 2022 1.0 Pros No pros at this point. I thought that this was going to be a great choice, but it is not! Cons I processed 13 bill payments on 9/6, the funds were withdrawn from my account immediately. I started to receive phone calls from my credit card accounts, bank, insurance companies saying that payment was never received. I immediately looked at the QBO account, then my checking account. I reached out to MELIO via a chat and email. I was able to chat with a representative who eventually told me that "Unfortunately there was a bug in the system that prevented the payments from going out." REALLY?? And you couldn't even make your clients aware of this when it was occurring or even afterwards?! NOPE, now I have incurred late fees, and penalties. I requested that they overnight mail these checks to my vendors with an explanation of what occurred on their end, but was told that there was no way for the system to expedite payments, but could give me promotions for future payments as long as I was eligible. I requested contact with someone in a supervisory role, but have never heard from anyone. Again, all their fault, but no responsibility taken on their end. This company is just a joke, and I have expressed my concern with their business practices to Quickbooks as well. If you are thinking of a billpay service--stay away from MELIO!! Review Source BM Beverly M. Accountant Hospital & Health Care Used the software for: 2+ years ### "Good unless you need a critical payment to be processed immediately" April 28, 2022 4.0 Up until the failed same-day payments, it had been a pretty good way for us to send out payments without having to get checks signed. I am very disappointed with the same day payment issues though. Pros It's free and can be used by the owner from his cell phone. Cons We had two critical payments that had to go out same day. We paid $30 to have them expedited and they both failed. Customer service could not tell me why and the issue was never resolved. Reason for choosing Melio Price, ease of use Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Bill.com charged us and had a very complicated "clearing" process. I could never get it reconciled. I hated it. Review Source KS Kari S. Bookkeeper Accounting Used the software for: 6-12 months ### "Bookkeepers dream come true" August 20, 2021 4.0 It is a huge time saver and very convenient not to have to print and mail checks. It is also faster than many bank bill-pays. Pros It easily integrates with online accounting software and helps me pay bills for multiple clients in one place. Cons I wish it would not sync recurring payments into online accounting software until it occurs because I don't want to pre-record a whole year of payments. Switched from [Insite Banking System](https://www.capterra.com/p/17060/Insite-Banking-System/) one of my clients introduced me. Review Source Response from Melio September 9, 2021 Hi Kari, thank you for posting your review. We are very happy to hear you find Melio useful for you and your clients. We would also like to thank you for providing valuable input that will help us make Melio even better. All the best, Team Melio JD Joe D. CEO Marketing and Advertising Used the software for: 1-2 years ### "Melio Almost Put Me Out of Business" January 12, 2023 1.0 Horrible customer experience when I was hacked last month. It is still not resolved. Someone set themselves up as a vendor and then attempted to pay themselves. The fraudulant contacts are still not out of my account and my account has been frozen for over a month despite claims that it is all cleared up. Foolishly I believed them and attempted to pay my key suppliers again. I came back over the holidays to find that no payments had gone out and almost lost my biggest supplier/vendor. Multiple chats and even a message to one of their executives on LinkedIn (his response illustrated why their customer experience is so poor) have yielded nothing. Despite the headache to set up all my vendors again on another service, that is what I am doing. DON'T USE THIS SERVICE. Pros easy to set up and use -- had been reliable until my account was hacked over a month ago. Since then it has been inop. Cons unbelievably poor customer support. They have no phone option and are limited on chat. They will promise you a quick email response, but then it never happens. Review Source Response from Melio February 6, 2023 Hi Joe, thanks for sharing this feedback. We take inquiries related to fraud seriously and would like to investigate this issue further. We cannot find any correspondence with your information. Please email our support team with "Capterra: urgent" in the subject line and we'll be sure to get to the bottom of this. Please know this is of top priority to us. Best, Team Melio MP Marlin P. ISO Auditor - Trustee Legal Services Used the software for: Less than 6 months ### "Complance team and Account Manager non-resposive" March 19, 2022 2.0 We need to be able to hold someone and Melio accountable when they make a mistake, when a transaction is blocked we have no way to track down the individual who blocked the transaction, determine why and resolve the issue. the lack of transparence, and responsiveness is forcing me to seek alternative platforns even though I have been happy with \[SENSITIVE CONTENT\], my account rep. He seem to have no authority, or visibility into other departments. Pros The workflow and interface are idea. If the the staff supporting the product were at the level of the software this would be a wining offering Cons The compliance team blocked two payments for maintance on properites the trust manages. We provided FEIN, notarised trust documents, 2021 form 1041 tax returns, copies on invoices from vendors for service on the showerhead and HVAC and all I have heard is silence. My trustee and attorney are furious and my accountant is dissapointed and researching alternatives. The property manager and I have repeatedly called the support number as well as making use if the on-line support group.I have reentered the reciepts as my melio account rep sugggested but when I go to schedule payment it goes to \[SENSITIVE CONTENT\] blocked so I assume this account is flagges/banned. We are not violating any term of service and are engaged in management of 2 owned properties inherited from my family into a irrevocable Form 11041 spendthrift trust with its own bank account, FEIN, attorney, accountant and trustee and board Reason for choosing Melio I chose it due to cost and ease of use Review Source Response from Melio March 22, 2022 Hello Marlin, thanks for reaching out. Upon taking a look into your case, we can confirm our Compliance team notified you as of today, March 22nd that your account could not be approved as they were unable to verify your account under our criteria. Best, Team Melio KV Kara V. Owner Health, Wellness and Fitness Used the software for: 6-12 months ### "False Advertising" December 7, 2023 2.0 Because of they did not deliver payments as advertised and because they did not respond to my inquiry regarding my payment not being expedited. I do not recommend their service. Pros Easy to setup and start using. Integrates with Quickbooks. Cons They advertise that payments will be sent to vendors in 2-3 business days. My vendors told me that payments took 5 business days. You can pay additional for next day payment delivery, which I tried. The payment still took 5 business days. I emailed customer service and received no response. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Trying another service because I don't love the interface of bill.com. Review Source Response from Melio December 18, 2023 Hi Kara, thank you for taking the time to leave a review. We appreciate your feedback and understand that timely payments are crucial for you and your vendors. At Melio, we follow the standard ACH processing timeline of 3 business days (excluding weekends), as set by the Federal Reserve Bank and our partnering banks. We understand that this timeline may not always be convenient for our customers, which is why we offer the option to schedule a payment via debit or credit card for a faster delivery with a processing fee. We would like to work with you to resolve any issues you may have encountered. If you have any concerns, please contact us via email at reviews@melio.com. You can also reach out to our live chat support, available Monday to Friday from 9 am to 8 pm EST or via email through the help center on melio.com. We value your satisfaction, and we are committed to delivering exceptional service that exceeds your expectations. Best, Team Melio Josh P. CEO Internet Used the software for: 2+ years ### "One of the best tools for small businesses" March 31, 2022 5.0 Pros It's rare that you're offered a low cost or free option that actually works but in Melio's case they promised to deliver an easy way to take payments from our clients and that's exactly what they delivered. We have never had an issue sending our payment link to clients and they've always been very happy to use the tool, pay our invoices, and quickly settle accounts. It's been great seeing new features added over the last few years and I look forward to working with Melio into the future. Cons International payments would be sensational but I understand that's difficult. Review Source AA Alicia A. Owner Accounting Used the software for: 6-12 months ### "Missing key to remote work" March 31, 2022 5.0 Pros Super easy to use! Do you have the option to integrate it with your QuickBooks or use it as a standalone product which is great! This has eliminated my need to go to clients offices to write checks and I am introducing this product to all my clients to make their life easier! Cons The refund feature could use some improvement such as getting a refund when I accidentally mail a check to the wrong address and the check gets returned, I understand there’s a little bit of work that goes into this and each time I reached out to customer support they have resolved it for me quickly. I imagine this feature will continue to improve over time Review Source Response from Melio April 1, 2022 Hi Alicia, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and appreciate your feedback regarding our check refund process. We will pass that along to our team! All the best, Team Melio Ophelio T. Copywriter Computer Networking Used the software for: Less than 6 months ### ""Melio : Le logiciel de gestion financière idéal pour les petites entreprises"" February 6, 2023 5.0 "J'ai récemment adopté Melio pour gérer les finances de mon entreprise et je suis ravi du résultat. C'est facile à utiliser et m'a permis d'automatiser les tâches administratives fastidieuses." Pros Facilité d'utilisation même pour ceux qui n'ont pas de connaissances en comptabilité.Automatisation des tâches administratives Suivi en temps réel de tous les activitéstravailler en temps réel avec leur équipe et leurs comptables. Cons Limité aux petites entreprises Fonctionnalités limitées il peut ne pas inclure certaines fonctionnalités avancées que certaines entreprises peuvent exiger.Support limité le coût peut encore être prohibitif pour certaines petites entreprises. Review Source Response from Melio February 10, 2023 Hi Ophelio, thanks for sharing this review with us and the community. We appreciate your feedback and we're glad to know Melio has been a great resource for your business. Best, Team Melio AL Amalia L. Owner Food & Beverages Used the software for: Less than 6 months ### "Lovely interface, but broken functionality" October 2, 2021 1.0 Overall, I'd say Melio is an alpha product that was released to the market too fast. Their UI is beautiful, but their underlying software is really disappointing. I'd steer clear until they've had time to build a reliable product. Pros The user interface design of Melio is really pretty, and the features seem really nice and simple visually, at least. Cons The visual design is great, but so far, all the major functionality I've tried is broken. Credit Card Payments I tried to pay a vendor via the credit card functionality, but since credit card verification takes days, I ended up running out of time and had to just go pay my bank for a wire transfer. So Melio cost me time and money! And I was embarrassed about the late payment. My card was fine; it's just the address Melio had for it was wrong. I couldn't tell because Melio doesn't show you your credit card details on the dashboard. I also couldn't tell because the credit card form is broken in Chrome! Vendor Management I gave Melio a second chance and added my vendors for my other business into it. The vendor info request functionality is broken! The first email doesn't send. The "resend" email has image buttons in it with broken links, so your vendor can't access Melio even if they get the email! I have yet to have a successful experience using Melio, and I hate how it has only made me look bad to my vendors so far. Reason for choosing Melio I would like to find an alternative product. Review Source Response from Melio October 26, 2021 Hi Amalia, we are sorry to hear about your experience on our platform and would like to thank you for providing valuable feedback, which we will use to improve our product. Sincerely, Team Melio LM Lisa M. Administrator Building Materials Used the software for: Less than 6 months ### "Helpful as can be" July 20, 2023 4.0 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. I don't have to write as many checks and mail out invoices. I think with some work on the accounts receivable side this program will be even better. You have to wait sometimes for items to sync. Can't really complain too much when most transactions are free. That's really nice. Pros I like how Melio syncs with my QBO. I put in a bill and it shows up in my to pay list of vendors. From there I can schedule it to be paid and its paid on time. Cons Much improvement is needed in the accounts receivable. My invoices sometimes don't show up for me to send and it's hard for some of my customers to sign up to make payments to me or they don't want to give out their banking information. Review Source Response from Melio July 24, 2023 Hi Lisa, thanks for sharing this review and leaving this feedback. We're glad to hear you're finding Melio to be a resourceful tool. We appreciate the feedback and would like to hear more about the issues you're facing so we can help make this experience even better. Please email us at reviews@melio.com, we're happy to help. Best, Team Melio GA Gina A. Controller Non-Profit Organization Management Used the software for: 1-2 years ### "Invaluable application" November 8, 2022 5.0 This product makes remote work possible. We have not missed a beat transitioning from paper to electronic payments. Pros Our organization is 100% remote making check writing obsolete. Melio has filled the gap! It is so easy to use that even the least tech savvy people have no trouble using the application. No training necessary and our vendors love it! Cons The accounts receivable side of Melio isn't quite as friendly. Review Source Response from Melio November 9, 2022 Hi Gina, 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 AT Aaron T. Executive Assistant Real Estate Used the software for: 6-12 months ### "Fantastic Product" November 7, 2022 5.0 My overall experience with Melio has been a positive one. We have multiple locations and the approval process on each invoice being processed has been seamless. Pros The ease of set up and implemenation on this software is outstanding. The immediate synch with Quickbooks has been a time saver. Cons This software was free when we started using and now is charging per transacation. I am not a fan as part of our attraction to this software was no fee. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio Cost Review Source Response from Melio November 10, 2022 Hi Aaron, thanks for leaving this review. We're happy to hear you are finding Melio useful and easy to use. To clarify, our new check fee covers printing, postage and handling. There is also an additional layer of security to sending checks with Melio - your bank details are never on the check, helping protect you from fraud and check forgery. Please note, our ACH bank transfer feature remains free of charge. Best, Team Melio RL Rachel L. Bookkeeper Accounting Used the software for: 6-12 months ### "No Protection Against Fraud" March 25, 2023 1.0 I am being sued for negligence because I used Melio for a client whose account was hacked. Client's position is that I should have known Melio did not provide any protections. Pros I liked Melio user interface - not much benefit when thousands of dollars are stolen. Cons Melio does not protect its users against fraud. Their position is that it is your own fault if your account gets hacked. Review Source Response from Melio April 3, 2023 Hi Rachel, we see our compliance and support teams have been in touch via email in attempt to resolve this issue. Pursuant to Melio's terms of service, customers are responsible for all activity that occurs in association with their Melio account and are responsible for safeguarding their password and other authentication details. In this case, Melio has attempted in good faith to recover the funds, but these efforts have unfortunately not been successful. Melio cannot guarantee a specific outcome and cannot guarantee the restitution of lost funds in the case of fraud. We do apologize for any hardship faced here and as noted via email, we are here to assist. Best, Team Melio Ryan M. Executive Administration Automotive Used the software for: 1-2 years ### "Simple yet awesome product" April 4, 2023 5.0 Pros It is nice being able to have rewards being built for credit card payments, less 1099's, and simple payment tracking Cons Not really friendly yet for QB Desktop users. We have a lot of features we would like including chain and price driven approval system and other nice feature would be more medium to large business friendly would be nice. If you are small business this tool is great but I see a future with this product working more and more for the medium to large business area. Review Source Response from Melio April 11, 2023 Hi Ryan, 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 CT Corinne T. Accounting and Operations Manager Accounting Used the software for: 6-12 months ### "I lead teams with interns and newbies and Melio has saved my sanity! " August 12, 2021 5.0 Pros Simple to set-up, train and use - Melio has been a lifesaver in my accounting team processes. The approval functionality allows for training of interns and newbies with some control and the automated notifications help keep our suppliers informed and happy. Love being able to preschedule payments to pay per supplier terms which helps keep cash in the bank as long as possible yet avoiding late fees. Cons Just wish that there was a notification for suppliers as soon as the payment was set up vs just when it’s sent. Review Source Response from Melio September 9, 2021 Hi Corinne, thank you for posting your review. We are very happy to hear Melio made your life easier - that was and remains our goal. We appreciate your feedback and will take it into account as we continue to improve our product and service. All the best, Team Melio DW Dan W. Founder Non-Profit Organization Management Used the software for: 2+ years ### "Great product!" November 17, 2022 5.0 It's been excellent! It's a key part of my work with multiple clients! Pros It's easy to use and inexpensive. When needed, the customer service is excellent. Cons It would be useful to have the ability to pass on the $1.50 check fee to vendors who refuse to use an electronic payment option. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio Lower price. Review Source Response from Melio November 18, 2022 Hi Dan, 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 VM Vic M. President Accounting Used the software for: 1-2 years ### "Melio pays" November 17, 2022 5.0 I rely on it to pay and get paid. Pros It's effortless to set up. More importantly it's easy for my clients to accept and adopt the software into their business. Cons Web interface a bit clunky for desktop users. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio Price mostly but clients seem to like it better than bill.com. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Price. Review Source Response from Melio November 21, 2022 Hi Vic, 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 TA Talal A. President Marketing and Advertising Used the software for: 2+ years ### "Melio makes it easy to send payments (and get paid in full)" May 2, 2023 5.0 Program does what we need it to do, and sends money into our bank account. Wish it would be able to name the payments so that our bank account can tie the invoice to the transaction name though. Pros \- Adds processing fee to customer if they choose credit card- Gives option for FREE ACH Cons Invoice numbers not customizable or sequentialTransaction name comes into the bank as just Melio-xyz instead of Melio-invoicenumber Alternatives considered [FreshBooks](https://www.capterra.com/p/142390/FreshBooks/) Reason for choosing Melio Free ACH and Credit Card passing to customer. Review Source Response from Melio May 16, 2023 Hi Talal, thanks for sharing this 5 star review. We're glad to know you're finding Melio useful. Please know, we take your feedback very seriously. Thanks for sharing! Best, Team Melio Talk to a Capterra advisor for free and get results within 15 minutes.