# Page 5 | Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 5 - 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 5 - Reviews of Melio ## Showing most helpful reviews Showing 101-125 of 401 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use LC Lisa C. Owner Accounting Used the software for: Less than 6 months ### "Zero stars, if I could!" March 21, 2022 1.0 I used this platform as a backup for payments. The problem... they were supposed to send me an email to tell me when a payment was due being processed and I never received one. There was absolutely nowhere that I could go to cancel the payment and trying to wait on hold through their chat was painful at best. I held on for nearly two hours and when I finally got a name of someone that could potentially help me, it was only so they could post that they were then unavailable to discuss anything. I've tried canceling the product, the service, and all the above and there's zero capability of doing so. This is THE worst payment platform that I have ever used! I just wanted them to right the wrong, but they have absolutely no interest in righting any wrongs on their part... it's really quite sickening. Now I get to explain to my client why they've just double-paid. You get what you pay for! Pros There's nothing I like about this platform. Cons Everything! Zero customer service, zero ability to do what needs to be done. When I actually got someone emailing me and I explained the problem, they told me to go back to their non-existent customer service. Reason for choosing Melio It looked easy to use and a good backup until I had a more permanent platform... really bad mistake. Review Source Response from Melio March 23, 2022 Hi Lisa, thanks for reaching out. As we are unable to locate your case with the information provided, please reach out to our team at support@melio.com with your name, company name, and context regarding your issue and we will have someone be in touch ASAP. We would be happy to take a look into resolving this for you quickly. Thanks for your patience. Best, Team Melio DP Dan P. Finance Manager Non-Profit Organization Management Used the software for: 2+ years ### "Great product, especially the ACH and integration " April 4, 2023 5.0 My overall experience has been great! Pros I love the ACH payments that we can make to vendors for free. It is super simple and easy! I also like it integrates with our accounting software, QuickBooks. Cons They recently raised prices on bill pay, which I understand, but has made us move away from them for bill pay items. Reason for choosing Melio It was free option that allowed us to send ACH payments, which we really wanted to start doing. Review Source CH Christian H. Owner Wine and Spirits Used the software for: 2+ years ### "Easy to use, but QB sync messed up my books" November 17, 2022 4.0 Just stick to sending money. The invoicing systems are unnecessary, and make the product worse. Just be venmo for businesses. Pros It's easy to use and a cheap way to send payments. Cons Quickbooks integration was a nightmare when they rolled it out. I had been manually creating payments and bills in quickbooks, and all of a sudden I had duplicates of almost every transaction. I had to go through manually and delete and re-link everything. Review Source Response from Melio November 21, 2022 Hi Christian, thank you for taking the time to post this review and provide us with valuable input. We're glad to hear you find Melio useful and easy to use. Best, Team Melio RG Ricky G. Owner Transportation/Trucking/Railroad Used the software for: 1-2 years ### "Melio Helps My Business " May 2, 2023 5.0 Melio really helped my business when it came to payments, professionalism and making my small business just as accessable as a large corporation. It is great in helping building your brand as one of the "big wigs," even if you're not there yet! Pros Melio was very easy to implement with my business. Setup was incredibly simple. Cons As of now, Melio offers more features than my business really even needs. I'd say everything I do need is there in the platform and I love it all. Reason for choosing Melio I liked it best, overall. Review Source Response from Melio May 11, 2023 Hi Ricky, thank you for sharing this review. We're happy to hear Melio was easy to implement with your business. We'll be sure to pass this feedback along to our team. Best, Team Melio OB Ochana B. Accounting Manager Construction Used the software for: 1-2 years ### "Love Melio for Large Orders!" January 3, 2023 5.0 Pros In our line of contracting, we purchase houses from the mainland. Melio allows us to pay large amounts of money through ACH. It saves us wire xfer costs. Cons Waiting for Business to Customer or SoleProp Sub-Contractors payments. Only B2B xfers allowed at this time. We need to pay individual subcontractors and refund clients at certain times and the ACH is the best way to accomplish this. Please enable this function so that we aren't limited to whom we send money to with your product. We also cannot have customers pay us through Melio... sometimes payments of over $100K for building are needed, and we have to send them to the bank to do a wire xfer. Please enable C2B payments. Alternatives considered [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) Reason for choosing Melio We use them both. Quickbooks limits payments to $50K Review Source Response from Melio January 5, 2023 Hi Ochana, thanks for sharing this review. We are happy to hear you are finding Melio useful and we appreciate this feedback. If we offer the option of consumer to business payments in the future, please know we'll be sure to make this known. Best, Team Melio JL Jen L. Lead Ignitor Internet Used the software for: 6-12 months ### "The BEST FREE EVER!" November 17, 2022 4.0 So far, it's a GREAT LIFE CHANGING TOOL! You get paid faster, and payments are easier for your clients to make. It's also very easy to send money to vendors Pros My favorite feature is that the end user pays the credit card fee Cons You cannot issue refunds when necessary. That part blows Reason for choosing Melio Melio is BEST IN FIELD right now. You will be hard pressed to find a platform better than this one. Review Source Response from Melio November 21, 2022 Hi Jen, 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 MR Markos R. Business Delvelopment Manager Transportation/Trucking/Railroad Used the software for: 1-2 years ### "Faulty System" September 14, 2022 1.0 Customer service does not seem to provide accurate information as it pertains to when vendors payment will be deposited. Several calls has to be placed day after day to for the same payments. Their system seems to be faulty. Pros Web Interfact looks good and easy to use Cons We use Melio via Quickbooks for Accounts Payable. The system is faulty. Whenever payments are scheduled, they get stuck in the "Schedule" queue. There is no phone number to reach their support staff. Communication is done via a live chat. The customer service representatives assure payment was pushed only to find out days / weeks later the vendors still have not gotten paid. This has a negative impact on the health of our business. Reason for choosing Melio No choice. We use it through Quickbooks Online Review Source cN carmen N. Head of Corporate Affairs Restaurants Used the software for: 2+ years ### "Melio softare is just great!" November 17, 2022 5.0 We have to process many payments per day and with Melio I was able to upload and pay our invoices timely and quickly Pros This software is amazing and I like it because is user-friendly, quick and absolutely efficient. Cons There are no cons for me! This software is absolutely adequate for our business Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio Because it was very intuitive and the client support very responsive Review Source Response from Melio November 18, 2022 Hi Carmen, 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 Founder Accounting Used the software for: 2+ years ### "Great Solution!" November 17, 2022 5.0 Pros I've been using Melio with most of my clients for a while. Excellent customer service. We use Melio to pay our vendors. It has been a really positive change in our business practices. It works so well with QuickBooks. Highly recommend! Cons No Phone support. Also, it does take a few days for payments but its industry standar. Review Source Response from Melio November 18, 2022 Hi, 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 Christine A. Gestion de clientèle Financial Services Used the software for: 1-2 years ### "Outils de payement " September 18, 2023 5.0 Pros Très facile à utiliser et surtout le traitement en ligne et électronique Cons Je recommande ce logiciel dans tout les pays Review Source Response from Melio November 7, 2023 Hi Christine, thanks for sharing this 5-star feedback. We're glad to know you are finding Melio to be a resourceful tool that you'd recommend. Best, Team Melio VR Verified Reviewer co-founder Consumer Goods Used the software for: 1-2 years ### "It's a good low cost option for paying vendors and works for remote teams" November 9, 2022 5.0 Pros It eliminates paper checks. We also have a remote bookkeeping team so it lets them prep bills for us to approve easily. Cons Payees seem to be confused about onboarding with Melio, it works fine for paying smaller companies but for bigger entities the online onboarding seems to be a roadblock. Sometimes we have multiple emails and phone calls with their accounting people before they figure out what to do. Could make that way more streamlined. Review Source Response from Melio November 10, 2022 Hi, thank you for taking the time to post this review and provide us with valuable input. We're happy to hear you find Melio useful and easy to use. Best, Team Melio MC Mary C. Owner Food & Beverages Used the software for: 2+ years ### "Great Product for small business owners" November 19, 2022 5.0 I've recommended Melio to all small business owners that I've met across the board and utilize it for all 5 of my own companies. This helps me so much in terms of organization and cash flow. Pros I love that I can control cash flow easily using Melio - it will remind me about when bills are due, I can easily see what I have outstanding, search for paid/unpaid invoices by vendor and plan out when my bills are best paid. Cons I would love to add an entry area to specify the difference between "delivery date" and "due date". Reason for choosing Melio Ease of functionality, easy to maintain for several different companies and ease of setting up vendors/payment systems Review Source Response from Melio November 22, 2022 Hi Mary, 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 RW Richard W. Owner Automotive Used the software for: 6-12 months ### "A time saver for all small businesses" October 7, 2021 5.0 So far, any issues were an my side, and they corrected any problem in 24 hours. Pros Schedule payments in advance, so we are never late, user controls to allow the smaller bills paid that so not require my approval. Side benefit, saves on postage. Cons Nothing, much better than any banks bill pay. Reason for choosing Melio Free Service, unless you use Credit Card, or need same day transfer, and even same day is cheaper than a Wire Fee Review Source Response from Melio October 26, 2021 Hi Richard, 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. All the best, Team Melio VR Verified Reviewer Owner Design Used the software for: Less than 6 months ### "They Cancelled My Account " June 15, 2021 1.0 Not dandy, not happy Pros I have no idea if I cannot use it, I cannot know Cons My client wanted to pay with a bank transfer, so I signed up for Melio. I set up the account, verify the deposit, all looked like it is working properly. Now my client signed the contract, I sent him a payment request, he paid and a day later I get notified that my account could not be verified and the payment won't go through. This is so embarrassing. Instead of them contacting me and request whatever proof they need, do this discreetly, and continue the process, they just kicked me off. I have no idea why. Why not at the time I signed up. Why am I verifying my bank account last week was not enough? It is a business account. This payment is business to business. My business has been around since 2011. I really don't know. Now I either have to find another payment method or somehow get this back working and ask my client again to pay. It is just not a reliable way for me to do business. They will wonder if I cannot even get their payment coming through what kind of service I will provide. That is a bad way to build trust with a new client. Thanks, Melio Review Source Response from Melio June 28, 2021 Hi, our Risk & Compliance team determined we are unable to support your transactions. While we cannot publicly discuss the details of your case, if you would like to provide us with further information and appeal our decision you can reach out directly to: compliance@melio.com. Sincerely, Team Melio MF Melissa F. CFO Accounting Used the software for: 1-2 years ### "Missing Payments and No Customer Service" June 1, 2022 1.0 Numerous payments were never received by vendors. If payments are expediated they are supposed to be sent out via Fed-Ex yet they are unable to provide tracking information. The only way to contact them is via chat and there is no way to speak to anyone other than the rep you get. They will not escalate any issues Pros In the beginning, they were ok. It was a low cost option Cons Transaction dates import incorrectly. No way to track payments. Customer service is terrible. No phone support no way to escalate. Review Source Response from Melio August 15, 2022 Hi Melissa, thanks for sharing your review. We would love the chance to turn this experience around for you and are currently investigating further to see if your case has been resolved or if you need further assistance. To make sure we have all the correct info, kindly send an email to support@melio.com with the subject line "Capterra review", including your account name, full contact details and a brief explantation of the issue you experienced. Please also include a ticket number (if you have one). We'll ensure your case is responded to by a member of our support team within 1-2 business days. If you have any further questions, you can reach us via live chat during regular business hours (EST). Thank you for your cooperation and understanding. Team Melio AU Alan U. owner Entertainment Used the software for: Less than 6 months ### "Good when it works, horrible when it does not" October 1, 2021 1.0 good idea when it works, horrible when it is does not. Pros integrates well with QBO, pricing is great, easy to seup. When all work well is a good experience. Cons Horrible, almost non-existent customer support. TWICE, in just a few months of using Melio, they have sent out duplicate payments that were only entered once by me. First time they caught it and notified me a few days later, second time (a few days ago), vendors started calling me saying they got paid for an invoice that they had already been paid for 2 weeks ago. First time dinged my account for $60K, this time $26K. No explanation on what happened either time. Spent 2 days on Chat with no help whatsoever and promises to call me never happened. No phone number to call to talk with anyone, just have to email and wait many days for replies. No one seems at all concerned that I can't pay my bills dues to vendors since they took $26K out of my account or may bounce a lot of checks. There MUST be a number to call someone in emergency situations like this. Switched from [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) ACH deposits Review Source Response from Melio October 26, 2021 Hi Alan, 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. Please send us your contact details to support@melio.com so that a team member can reach out and resolve your issue. Sincerely, Team Melio JH Jason H. President Media Production Used the software for: 6-12 months ### "A Cut to the Chase Solution" December 15, 2020 4.0 Customer service is second to none. You really get the sense that the people speaking to you care about the product and care about how you are using it. I've had several people reach out to me just to make sure everything was okay and that we were getting the most out of the product. The interface needs a little work to make it easier to use, feels a bit clunky at times, that and the other things listed above are some issues that need to be incorporated in but other than that we love using Melio for our needs. Pros Melio is a great product we recently had the opportunity to discover. I was very impressed at how easy it integrated to our accounting in Quickbooks. This is the main reason I found it so vital in our operation. Before we started using Melio there never really was a great solution for paying people by different means. We had some vendors who wanted printed checks and still others who preferred an electronic payment. Melio makes it easy for your company to pay people safely and quickly. Cons I have to say I really like the software so far but there are a couple of items I would really like to see and these items almost stopped me from deciding to use the product. First, the paper checks really need an overhaul to look more professional and branded from a specific company. I've had freelancers who wonder if the check is legitimate because it doesn't have our logo or they can't see that it's coming from us. Paper checks definitely need some work...also, the ability to run a simple payroll out of Melio wold be helpful so that you can eliminate printing checks in your office completely. It would be nice to be able to simply pay employees through Melio as well as freelancers. I know that there are work arounds, but we need a dedicated way to pay employees added. Review Source Response from Melio December 20, 2020 Hi Jason, thank you for posting such an amazing review. We are very happy to hear you find Melio's various payment options useful and that our service is able to save you time and hassle. Also, thank you for your valuable insights into our product - we will pass them along to the relevant teams. All the best, Team Melio AC Ada C. CEO & Founder Consumer Goods Used the software for: 1-2 years ### "Great for small businesses" May 2, 2023 5.0 Pros Melio makes invoice processing quick and efficient - I can upload an invoice and it'll automatically populate the information, or I can manually input an invoice and link it to an existing vendor. The free ACH option is great for small businesses and it's super helpful that Melio tells you when the money will be debited and when it will arrive so you can communicate dates to vendors. It also makes it easy to save payment details & information from vendors. Cons Wish it could scan more than just PDF invoices - sometimes we receive word docs & excel files. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Melio Cost & ease of use Review Source Response from Melio May 17, 2023 Hi Ada, thanks for taking the time to share this review. We're delighted to hear that Melio has been quick, efficient and helpful for your business. We'll be sure to pass this feedback along to the team. Best, Team Melio VR Verified Reviewer Gestion de clientèle Accounting Used the software for: 1-2 years ### "Mon avis sur Melio " October 16, 2023 5.0 Pros Logiciel n'est si compliqué à utiliser et rend facilement aux moyens de paiement Cons Je l'apprécie le moins bon car c'est destiné aux grandes entreprises surtout Review Source Response from Melio November 7, 2023 Hi there, 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 Melio seem as if it's aimed at large companies. Email us at reviews@melio.com, we'd love to chat. Best, Team Melio TT Travis T. Owner Telecommunications Used the software for: 1-2 years ### "Great For Small Business" May 2, 2023 5.0 Haven't had one issue with Melio Pros Advancing payments and the ease to use the no fee option. Cons I don't have any issues with melio at all Review Source Response from Melio May 10, 2023 Hi Travis, thanks for taking the time to leave a review. We're glad to hear that you find Melio convenient for advancing payments and easy to use. We appreciate your feedback and we'll be sure to pass this along to the team. Best, Team Melio AK Antoine K. Gestion de clientele Accounting Used the software for: 1-2 years ### "Special logiciel" November 21, 2023 4.0 Pros melio est une très bonne application surtout pour les factures en ligne Cons seulement que pour blés entreprise qui n'ont pas beaucoup d'agent financier peuvent l'utiliser Review Source Response from Melio November 29, 2023 Hi Antoine, thank you for sharing your feedback. We are glad to know you're finding Melio to be such a useful tool especially when using online invoices. We appreciate your feedback and will be sure to pass it along. Best, Team Melio JB Jonathan B. Founder and Senior Accountant Accounting Used the software for: 1-2 years ### "Why use Melio with QuickBooks" March 31, 2022 5.0 Excelleent Pros The built-in integration with QBO and QuickBooks Desktop allow easy flow from invoice entry to payment. The ability to schedule to send either ACH or Check within QuickBooks is critical to our workflow. If we don't have the ACH info the ability to request it securely from the vendor is great Cons No batch payment, the ability to pay more than one bill with a single payment would be a great addition. Also showing how credits are applied to a bill would be extremely helpful. We send a "bill & applied payments" to our vendors so they will know. Just an extra step that we would like to eliminate Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Built-in to QBO, don't have to go to another website. Review Source KM Katherine M. Office Manager Wine and Spirits Used the software for: 2+ years ### "My review for Melio " November 7, 2022 4.0 Overall my experience with Melio has been a positive one. There were a couple times where I had an issue but I was able to resolve it fairly quickly. Pros I like that this software directly links with my QuickBooks account. Payments are very easy to be made and are made in a timely manner. Cons I don't like the new feature of how invoices are listed in the inbox. It should be listed in the order that I entered the bills and they are not. Review Source Response from Melio November 9, 2022 Hi Katherine, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and easy to use. Best, Team Melio KF Kristen F. Owner Accounting Used the software for: 2+ years ### "I wish I could give a better review" November 21, 2022 2.0 The software has developed a lot of bugs and customer support is severely lacking. I contacted support a month ago because I get an error message EVERY time I try to process a bill payment. If I log directly into Melio I can see that sometimes it has in fact gone through. Sometimes it does not and I have to initiate the payment directly from Melio. I manually mark the bill as paid in QBO and at some point the bill payment syncs so it looks like I have overpaid every invoice I process via Melio. I then have to go through each and figure out which payment is the correct one to remove from QBO. For smaller issues, I usually figure out a workaround before I ever hear back from support. Pros I like that is used to sync with Quickbooks Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio Cost Review Source Response from Melio November 29, 2022 Hi Kristen, we take issues with our user experience very seriously so please know our support team has escalated your concerns to our technical team and we're actively working on a resolution. Our support team can always be reached via live chat 9am- 8pm EST, Monday-Friday and please know we are here to assist you. We will be in touch soon. Best, Team Melio HH Heidi H. owner Accounting Used the software for: 2+ years ### "Excellent for small business" January 3, 2023 4.0 Pros Melio integrating with QBO is the biggest plus for our accounting firm - it's easy to train our team how to use and the interface is consistent for every client. Cons It is glitchy when trying to add new clients and keeps old ghost bill data that isn't relevant even after it's been deleted. Review Source Response from Melio January 5, 2023 Hi Heidi, thanks for leaving this review for us and our community. We're happy to hear Melio has been helpful with your accounting firm. Best, Team Melio Talk to a Capterra advisor for free and get results within 15 minutes.