# Page 8 | Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 8 - 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 8 - Reviews of Melio ## Showing most helpful reviews Showing 176-200 of 401 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use JW Jaime W. Bookkeeper Business Owner Accounting Used the software for: 6-12 months ### "Great Bill Payment Service " November 17, 2022 5.0 Melio is a user friendly platform and works smoothly. Pros Melio is a great bill payment service, especially using the ACH services. Cons The payment dates of 3 days is a little longer than I would need. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reason for choosing Melio The ACH option being free. Review Source Response from Melio November 18, 2022 Hi Jaime, 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 Dave C. COO Mental Health Care Used the software for: 6-12 months ### "A great option for small to medium businesses" November 17, 2022 5.0 Pros Making online payments with Melio is fast and easy, and it’s much easier (and cheaper!) to get started compared to using a bank or more complex service. Cons I wish I had found out about this sooner so we could’ve used it for vendors that we had to add to our antiquated Wells Fargo system. Review Source Response from Melio November 18, 2022 Hi Dave, 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 EL Enrique L. Engineer Construction Used the software for: 1-2 years ### "Great experience " January 3, 2023 5.0 Pros I love using Melio because it allows me to easily pay bills to my clients. The check is cut as soon as the same day and they keep me updated about the tracking and status. The fees are very low compared to the alternatives out there so its great for startups and growing companies trying to keep their costs down. Cons Nothing really, it does what is promises and I enjoy using it. My clients report good feedback as well. Alternatives considered [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) Reason for choosing Melio Low Fees Review Source Response from Melio January 4, 2023 Hi Enrique, we are glad you are finding Melio resourceful. Thank you for leaving this review. Best, Team Melio RM Rick M. President Automotive Used the software for: 6-12 months ### "These people are a fraud; checks to our vendors have bounced multiple times" March 30, 2023 1.0 Can't get customer service to answer during their business hours; they answer that they are closed. Pros none nada nothing at all They bounce their checks, they don't answer service phones and won't take care of their issues; they were very efficient in taking our money (theft) and charging for the privilege Cons Expensive fees for Melio's bounced checks (Melio's checks bounced at our vendors who were paid). Reason for choosing Melio It's an intuit / quikbooks online product Review Source Response from Melio April 4, 2023 Hi Rick, thank you for your feedback. We want you to know that we take inquiries of fraud very seriously, and we have thoroughly investigated your concerns. We have refunded your most recent check payment and our support team has been in contact with you via email to provide you with further details about the refund. If you have any further questions, we are available via live chat on Monday to Friday from 9am to 8pm EST to provide you with real-time assistance. We apologize for any confusion caused, and we remain committed to helping you resolve any payment issues you may encounter. Best, Team Melio JL Joshua L. President Wholesale Used the software for: 6-12 months ### "Extremely easy way to collect payments and invoice customers" May 2, 2023 5.0 Pros We loved Melio's ability to automatically "read" PDF invoices and import the data into the system. It made it very easy to quickly send a copy of the invoice and a payment link to our customers and to offer them a quick way to pay. Cons Not sure if Melio has this or not, but it would be nice to have a more robust integration with Quickbooks. Review Source Response from Melio May 10, 2023 Hi Joshua, thanks for sharing this review! We are happy to hear that you found the platform to be an easy way to collect payments and invoice customers, and that the ability to automatically import data from PDF invoices was particularly useful for your business. We'll be sure to pass this feedback along to our team. Best, Team Melio LF LaToya F. Owner Financial Services Used the software for: 1-2 years ### "Amazing system" March 31, 2022 5.0 It's been great since I switched from a very bad experience. Pros The system is very easy to navigate and use. Help is accessible and everything on the site is well explained. Cons Right now the system has all the features that I need. It would be great if I could use it for personal. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) I had too many problems. They did not update a bank account for one of my contractors when I had entered it and provided proof. They refused to take responsibility and were hard to get a hold of. Review Source BT Bouapha T. Diretor of Finace Media Production Used the software for: 6-12 months ### "Melio is amazing for small businesses" August 17, 2021 5.0 Pros I think that it syncs seamlessly with quickbooks and it gives us multiple options of how to pay our vendors. Cons We can't do stop payments on our own or change payment method. While your customer support is amazing, I'd like do somethings on my own. Switched from [Trustly Pay](https://www.capterra.com/p/211475/Online-Banking-Payments/) Melio is cheaper for us to use and more convenient. User interface is simple. Review Source Response from Melio September 9, 2021 Hi Bouapha, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and that our customer support team has been able to assist you. We appreciate your detailed feedback and will take it into account as we continue to improve our product and service. All the best, Team Melio mB melanie B. finance associate Hospital & Health Care Used the software for: 1-2 years ### "customer support is terrible" January 10, 2022 2.0 customer SUPPORT IS TERRIBLE. THE CONTACT NUMBER THAT QB GIVES OUT IS NO LONGER IN SERVICE HAVE HELD FOR A CSR FOR OVER 30 MINUTES. IS TERRIBLE SERVICE DUE TO USING FREE PRODUCT????? Pros it is easy to use but again customer support is terrible Cons customer support is terrible have waited for support for over 40 minutes with nothing said to assure me as a customer that i am recognized as waiting in que. Review Source CB Christal B. CEO Accounting Used the software for: 2+ years ### "Melio Makes a Good Inexpensive Bill Payment Option" July 27, 2023 3.0 Overall, Melio is good for small businesses and inexpensive option compared to other apps. Pros Melio is easy to setup and use in small businesses. Scheduling payments is easy, and it integrates with QBO. Cons I wish it was more detailed in setting up approvals process for employees. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Review Source Response from Melio August 4, 2023 Hi Christal, thank you for sharing this review. We're happy to hear you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team. Best, Team Melio PT Paige T. Payroll Administration Renewables & Environment Used the software for: 1-2 years ### "Great Product, highly recommend " January 3, 2023 5.0 Fantastic. I recommend Melio to my friends and vendors all the time. Pros Simple, easy and secure way to pay all my vendors. Cons It keeps telling me to reconnect my Quickbooks online account, I do not have a Quickbooks Online account. Review Source Response from Melio January 5, 2023 Hi Paige, thanks for leaving this review. Please connect with our support team if you keep receiving this notice-- we're happy to look into this for you. In all, we're glad to hear you find Melio resourceful. Best, Team Melio VR Verified Reviewer Ceo Consumer Services Used the software for: Less than 6 months ### "Easy to Use! Loved it!" April 4, 2023 5.0 I really am happy with my experience paying a vendor who only accepted a wire transfer with my credit card CS using my checking account. Pros How easy it is to use! And an alternative way to pay! Cons The verification process was a bit challenging. There’s a wait time to get support to respond to emails and it’s not instant help. Review Source Response from Melio April 11, 2023 Hi, thank you for sharing this review. We're happy to hear you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team. Best, Team Melio GT Graeme T. Managing Director Apparel & Fashion Used the software for: I used a free trial ### "Useless" June 6, 2023 1.0 Shocking!!! Just a waste of my time attempting to get anywhere. I am very angry that they seem to think I am a Rhodes Scholar to understand their sites. Pros I liked nothing at all. Badly designed sites, too difficult to navigate. Chat people have no product knowledge. Emoyed time wasters. Cons They are a wasted space. I would hate to have shares in this company. Reason for choosing Melio I didn't and won't be!!! Review Source Response from Melio June 12, 2023 Hi Graeme, thank you for taking the time to leave a review. We'd definitely like to understand your issue better. As there is limited information here, can you please send us an email at reviews@melio.com with the title "Urgent Review" so that we can take a deeper dive into this matter for you. Best, Team Melio Mar D. CEO Individual & Family Services Used the software for: 1-2 years ### "Excellent overall experience " October 29, 2025 5.0 The customer service experience and the value for the money. I purchased it for the ability to manage accounts. Pros The customer service experience and the value for the money. I purchased it for the ability to manage accounts. Cons There is nothing I dislike about melio. The customer service experience and the value for the money. I purchased it for the ability to manage accounts. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Melio Customer service, Price, and Ease of use Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Stripe treats small business owners incredibly bad. Review Source patrick E. customer service Hospitality Used the software for: I used a free trial ### "the real deal" November 18, 2022 4.0 Pros the product is very reliable and easy to use Cons i dont think the product lack any thing but other client might notice what i did not notice Review Source Response from Melio November 21, 2022 Hi Patrick, We're glad to hear you find Melio easy to use and reliable. Thank you for sharing this review with us and the community! Best, Team Melio LD Lisa D. Founder and CEO Apparel & Fashion Used the software for: 1-2 years ### "Melio Recommendation" January 3, 2023 5.0 Fantastic! It's easy to implement, easy to use, and easy for my clients to use. Pros Melio provides an easy-to-use format for invoicing and bill payment, as well as receiving payment from clients, customers, and vendors. Cons At first, there didn't seem to be a way to track past paid invoices, but now there is a record for all invoices paid by my company and paid to our company, so it's great. Reason for choosing Melio Easier to use and had a free option that worked best for my small business. Review Source Response from Melio January 5, 2023 Hi Lisa, we are so glad to hear that Melio is the best option for your small business' AR and AP needs. Thank you for sharing this review with us and the community. Best, Team Melio JB Jo B. Accountant Accounting Used the software for: 1-2 years ### "Customer service is friendly and easy to access" November 7, 2022 4.0 Most of the time, I rarely think about Melio because it just works Pros It is super easy to use an approval process for AP. Cons After a check has been written and cleared Melio's account, I wish a copy of the check could be posted to the payment for ease of access. Review Source Response from Melio November 9, 2022 Hi Jo, we're happy to hear that you find Melio helpful and easy to use. Thank you for sharing your review with us and the community. Best, Team Melio RRY Ryan Rey Y. Accountant Real Estate Used the software for: 6-12 months ### "Payment Solution that works" May 20, 2021 5.0 Melio has an excellent customer support and resolves any issues quickly. Pros We choose this product since it seamlessly integrates with our accounting software. It also allows us to send paper checks without the hassle of printing and mailing them. Cons There is nothing really to dislike about the software with how our company is using it right now. I do hope for a much better interface and a more informative dashboard in the future. Alternatives considered [Tebra](https://www.capterra.com/p/129169/Tebra/) Reason for choosing Melio Melio integrates with our accounting software Switched from [Venmo](https://www.capterra.com/p/222572/Venmo-/) It is integrated with our accounting software. No need to re-enter vendor information on Melio. Review Source Response from Melio May 31, 2021 Hi Ryan, thank you for taking the time to post this review. We are delighted to hear you find Melio useful and that our customer support team has been able to assist you. We appreciate your detailed feedback and will take it into account as we continue to improve our product and service. All the best, Team Melio JS Julie S. Co-Founder Leisure, Travel & Tourism Used the software for: I used a free trial ### "Terrible experience signing up and no response from customer service" August 4, 2021 1.0 I tried to sign up with Melio to process business payments, and went through the entire process of providing all my business information (enough to be very dangerous). I received a confirmation email that everything was complete, and I just had to verify the 2 deposits in my bank account. Then I waited, and waited, and the deposits never came. I contacted customer service by email and they wrote back a vague email about not being able to verify my account. I inquired further, and they stopped replying. 5 emails later I found a phone number to call, and the customer service rep told me they were aware of the issue and would resend the 2 deposits. Again I waited, and waited - no deposits. I called customer service AGAIN and this time I was told that I needed to contact their compliance department, and the only way to do that was by email. He could not help me whatsoever. So I emailed the compliance department, doubting I would get a reply. No reply - it's been 5 days and 2 emails later I still haven't heard back. What a terrible experience, no explanation as to what is going on, no one could give me any information, and I didn't get any reply to my emails. I don't know how they are still in business with customer service this terrible. Pros seemed to be what I needed for making business payments Cons Terrible customer service, never heard back on 5+ emails, and the customer service rep told me to just email again. Review Source Response from Melio August 12, 2021 Hi Julie, we are sorry to hear about your experience. Without publicly getting into the specifics, we have confirmed that our compliance team has reexamined your case and resolved the issue. Your micro-deposits should now go through so you can verify your account. We apologize for any inconvenience this incident may have caused. We will also have a member of our team reach out to you directly. Sincerely, Team Melio AS Anna S. Bookkeeping Manager Accounting Used the software for: 1-2 years ### "Melio is Amazing!!!" May 2, 2023 5.0 Excellent! Pros User-friendly platform, you can decide to approve or not the payments, which makes a great team work environment, and also allows you to just have bills already approved, if you want to give someone more independence, in any case, that works great! Cons Sometimes we need more support like a call, not an email, but they replay fast, but I like more having or a live chat or a call instead of waiting. Reason for choosing Melio The user-friendly platform and deals, we are overall a team Review Source Response from Melio May 17, 2023 Hi Anna, 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. BW Ben W. Manager Food & Beverages Used the software for: 1-2 years ### "Simple & easy ACH payment processing for small businesses" November 7, 2022 4.0 Pros We struggled for years to find a solution for sending ACH payments to vendors without involving our local bank or complicated online systems, and Melio makes things so easy. The drag & drop invoice functionality works great 99% of the time, and they make it super easy to set up recurring payments as well. Cons I'm sure there are other functions we may not use that might not be what we're looking for, but the ACH payment processing, the bill scheduling and recurring payment setup is all stellar, so no real complaints with the functions we actually use. Review Source Response from Melio November 9, 2022 Hi Ben, 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 JW Julieanne W. Systems expert Management Consulting Used the software for: 1-2 years ### "The best tool for service providers to manage their bill payments" November 17, 2022 5.0 When you have a business it usually comes with a lot of bills to pay that that can become messy. Melio makes it easy to keep all of your bill payments in one place, know when each payment is due and take care of it automatically for you so that your services aren't interrupted. Really great solution that is super easy to use! Pros Things that I like most about Melio...The ability to keep every penny of your invoice and say goodbye to payment processing fees.No monthly fees for using MelioMelio’s one-time setup that takes 5 -10 mins maxSimple & Easy to use with no learning curveIntegrates with your bookkeeping softwareSafe & SecureReduces paperwork for an environmentally friendly footprintAll your business payments (incoming & outgoing) in one placeSaves time and creates efficiencyYour business customers don’t need to sign up to pay Cons Doesn't integrate with my CRM. If it did, that would be a huge benefit for me. Review Source Response from Melio November 21, 2022 Hi Julieanne, 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 HF Henry F. Treasurer Non-Profit Organization Management Used the software for: 6-12 months ### "A must have for Volunteer Fire Companies " April 5, 2023 5.0 Pros The ease of use and ease on integrating it into my workflow Cons I would like more freedom in adding internal notes to a payment for audit purposes Review Source Response from Melio April 11, 2023 Hi Henry, thank you for sharing this review! We're happy to hear you find Melio useful and easy to use. We'll be sure to pass this feedback along to our team. Best, Team Melio VR Verified Reviewer Partner Telecommunications Used the software for: 6-12 months ### "Melio changed the way we pay bills and receive payments" January 29, 2020 4.0 \- Reduce waiting times for customer payments (via check) to arrive - Cash flow leverage - I can use a credit card to pay my bills - Take advantage of credit card reward programs while paying bills - No need for us to charge customers for credit card processing fees Pros \- I can use any payment method (all major credit cards, debit cards, bank accounts) to pay my bills - Easy ACH payment implementation for paying bills - I can receive payments from customers quickly, relieving them of the need to mail checks and providing various options to pay me Cons \- it seems that many features are still in development and not necessarily thought over yet - communication about incoming payments and their status needs to be more transparent Review Source JC John C. Principal Accounting Used the software for: 1-2 years ### "Great ap with great qb integration " November 7, 2022 4.0 Pros The easiest payment system to integrate with quickbooks online. Affordabl Cons Ach payments can take a while. Could be a better way of dealing with payments that receiver doesn’t input information Alternatives considered [Veem](https://www.capterra.com/p/234815/Veem/)[BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/)[Corpay One](https://www.capterra.com/p/200179/Roger/) Reason for choosing Melio Price and integration Review Source Response from Melio November 9, 2022 Hi John, thank you for taking the time to post this review. We are delighted to hear you find Melio easy to use and are enjoying the features we offer. Best, Team Melio VR Verified Reviewer CEO Internet Used the software for: 1-2 years ### "I recommend melio" December 23, 2022 5.0 Excellent! I am very satisfied with Melio and will recommend it Pros it Work on receipt installment companies, contractors, and free or low-cost bank transfers.Pratical for beginners because of There are no ongoing monthly fees. Cons So far, everything has gone well, without any complications. Review Source Response from Melio December 28, 2022 Hi there, thank you for leaving this review. We are happy to hear this has been your experience with Melio. Best, Team Melio Talk to a Capterra advisor for free and get results within 15 minutes.