# Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra > 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/cimmra-einvoicing-and-ap-management/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 # Reviews of Melio Ease of use 4.3 Customer Service 4.0 ## Pros and Cons in Reviews LC Lin C CEOConsumer Goods, 2 - 10 employeesUsed the software for: More than 2 years. “We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable.“ January 5, 2026 BK Bridgette K ownerRetail, 2 - 10 employeesUsed the software for: 6-12 months. “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.“ November 10, 2025 NN Nick N OwnerTextiles, 11 - 50 employeesUsed the software for: 6-12 months. “With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single payment.“ October 8, 2025 JM Julie M OwnerReal Estate, 2 - 10 employeesUsed the software for: Less than 6 months. “oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was incomplete!) “ November 19, 2024 LC Lin C CEOConsumer Goods, 2 - 10 employeesUsed the software for: More than 2 years. “The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup.“ January 5, 2026 BM Brandon M OwnerAccounting, 2 - 10 employeesUsed the software for: Less than 6 months. “My only issue is that card payments aren't sent on weekends.“ April 13, 2025 GI Gabriel I FounderE-Learning, 2 - 10 employeesUsed the software for: Less than 6 months. “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%“ March 29, 2025 TT Toni T OwnerAccounting, Self-employedUsed the software for: More than 2 years. “Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden being declined consistently causing issues for my clients and causing my payments to be late.“ September 8, 2023 ## Showing most helpful reviews Showing 1-25 of 401 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use merroudj N. freelancer Computer Networking Used the software for: 1-2 years ### "fast and easy payment processing" September 26, 2022 5.0 At this point in the Melio Payments review, I can honestly say that it's worthwhile to try, particularly given that it's free. For freelancers, accountants, and small enterprises, it's a fantastic financial solution. The latter group may automate their bills or payments and handle all of their customers from a single platform. Pros A very tidy, straightforward, but effective tool for paying bills and invoices, Payment processing, is quite simple compared to its rivals; it is substantially more productive. This product's flawless integration with our accounting software is why we chose it. Additionally, it eliminates the inconvenience of printing and sending paper checks. Recipient changes of the payment method selected are seamless Cons Improved phone customer service is something I would like to see no other recommendations now. Vendors are added with their Melio links, and those vendors currently in QuickBooks should automatically connect. Now, when you do that, a new vendor is formed and is not connected to the one that presently exists in QuickBooks. Wishlist: It would be nice if there were an option to send international wire transfers in different currencies. If it is wholly linked with Wave Invoicing, it would be fantastic and allow a free connected workflow. Review Source VR Verified Reviewer Member Photography Used the software for: 1-2 years ### "Great for small businesses that want to keep track of contractors" January 3, 2023 5.0 I can pay contractors, keep track of their invoices easily, and also keep track of their total annual payments for my tax purposes much easier. Pros It's made my life easier keeping track of each contractor and how much I've paid them over the year making taxes less of a hassle. Cons I'd love to see Melio function with Quicken. I'd like more customization for my own branding with creating and how clients see and receive invoices, giving me logos, names, and branding color options. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Melio I've been paid by a colleague who uses Melio and loved how it worked. I haven't really considered anything else Review Source Response from Melio January 5, 2023 Hi Adam, we are glad to hear Melio has made your life easier and that you find the tool useful. Thank you for sharing this review. Best, Team Melio JM Julie M. Owner Real Estate Used the software for: Less than 6 months ### "Started off okay, then crashed and burned" November 19, 2024 1.0 It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. It wasn't the smoothest ever - seemed like lots of extra/unnecessary clicks to do what you need to do - but the best thing I could find at the time. (more than once I didn't ACTUALLY send a payment that I thought I did, because their process involves several steps of confirmation and the last step looks like a confirmation page... but you have to actually scroll down to the bottom of the page and approve the payment one more time, before it will be sent. And the page is formatted just long enough that the button is not visible on a regularly sized browser screen, you have to scroll down to see it). Support was slow and usually refused to answer my questions at first because I logged in with my Intuit account and apparently they couldn't match up the email address I'd send requests from with my Melio account. I learned I needed to tell them in the initial email that the email address I was using was my Intuit account and that's how I log in to Melio. Towards the end, support just flat out refused to respond to me at all - even when I reached out multiple times (all I wanted to do was cancel a recurring payment - that always failed b/c of aforementioned vendor name issue - but I couldn't log in anymore without paying for a plan). Later on as they began rolling out the paid version, the site became very buggy, I had issues with payments being processed that they couldn't explain, and overall became a total hair-pulling event every time I signed in. Completely incompatible with running a professional business. I shifted all my banking to Relay that has built in support for bill payment. I'm paying a bit for the service, but it does everything Melio claimed to do except better, and the integration with QBO is much more intuitive. And you can get a knowledgeable human on the phone within 10 minutes if you have a question! Wish I'd made that switch ages ago. Pros I liked having a central place to pay my bills from. Worked decently at first... but then... Cons Melio became a raging dumpster fire for me right around the time they started rolling out their paid plans. I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface... all things that had operated fine (if not flawlessly) before. I was willing to put up with a certain amount of hassle factor in exchange for the service, but when service quality noticeably deteriorated simultaneously with them rolling out a required paid plan, I couldn't run away fast enough (I see now there's a limited free option, but initially that wasn't there). Also, yes it integrates with QBO, but not in a logical way to my non-bookkeeper mind. I found it very confusing and not a smooth process at all. Uploading invoices and pulling info from them is good in theory but rarely worked in practice. Bad info would get pulled in and I'd have to edit. It would drop vendor names and I'd have to re-enter. (oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was incomplete!) I could choose to not upload invoices, but then sometimes payment would fail because there was no invoice! Overall maddening. Review Source Response from Melio December 2, 2024 Hi Julie, Thank you for sharing your feedback with us. We’re sorry that your time with Melio didn’t meet your expectations. Your insights about the challenges you faced are invaluable to us as we strive to improve our service. We understand how frustrating it must have been to encounter system errors, failed payments, and difficulties with vendor management—especially when you’re trying to keep your business running smoothly. We regret any inconvenience or disruption this has caused. Our team aims to provide clear and timely assistance to all customers, and we will address these gaps to ensure that we respond effectively and consistently. We take your feedback seriously and will share it with our internal team as we always look for ways to improve. While we’re glad you’ve found a solution that works well for your business needs, we’d love to regain your trust if you ever consider giving Melio another try. All the best, Team Melio VR Verified Reviewer Founder Professional Training & Coaching Used the software for: 6-12 months ### "A simple ach solution " April 4, 2022 5.0 It’s a really positive experience. I use it and recommend it. Pros The ease of use is what I like best about melio. It took no time to setup the account, connect it to my bank and get going. It’s allows you to pay vendors and collect their Banking info in one place. That’s my favorite part. Cons My least favorite part is that it doesn’t appear to create 1099 from the platform though it’s listed in the features. If you can, it’s really tough to find so simplifying that would be helpful. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/)[Wave](https://www.capterra.com/p/178021/Wave-Apps/) This a streamlined and didn’t have any fees to receive payments. Review Source CC Charles C. Director Marketing Chemicals Used the software for: 6-12 months ### "It allows for better workflow management." April 9, 2025 5.0 It improved an entire process that required more attention and more hours of work. By being able to automate processes, it has made it more efficient and more detailed. Pros Melio has been a very secure application for making on-time payments to all suppliers without any issues and with precise dates. With reminders, you can always be up to date. It improved the entire invoicing process by having an accurate order of payments sent and received. It allows me to group invoices into a single payment, which has allowed me to speed up the process and avoid having to make payments one by one. I like all of its tools, and they fit everything I needed. Cons It has met my needs without any issues. It has provided me with the necessary service, and I have never felt dissatisfied. Review Source Response from Melio April 10, 2025 Hi Charles, Thank you for sharing your feedback—it's greatly appreciated. We're pleased to hear that Melio has significantly improved your payment and invoicing processes. Delivering this level of efficiency and reliability is exactly what we strive for. Best, Team Melio Greg C. Founder Accounting Used the software for: 1-2 years ### "Many other better solutions" May 2, 2023 3.0 Pros The user interface is basic, but that's actually a good thing in this case Cons dispute resolution was atrocious - still unresolved over nearly 6 months Alternatives considered [DOKKA](https://www.capterra.com/p/191519/DOKKA/)[Corpay One](https://www.capterra.com/p/200179/Roger/) Reason for choosing Melio I did not intentionally choose this product, it was forced onto me by a client Review Source Response from Melio May 10, 2023 Hi Greg, thank you for sharing this feedback. We'd love to turn this experience around for you and will need a bit more info to investigate this further. Please send us your contact details at reviews@melio.com so that one of our team members can assist you. Best, Team Melio EL Elizabeth L. professional accountant Financial Services Used the software for: 1-2 years ### "Simple way to make payments" December 3, 2024 4.0 It makes the whole process of paying bills easier and spending hours entering data. It is quite useful for making online payments very quickly. Pros We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner. Previously, bill payments were made one by one and this took hours due to the complexity of entering data. Now I only have to upload the bills and Melio does everything for me. I like it because it does the boring work of entering data. Cons I don't think anything went wrong. The only thing I would change is the customer service because they don't provide fast service. Review Source Response from Melio December 9, 2024 Hi Elizabeth, thank you for sharing your experience with us. It’s great to know that our platform is helping streamline your processes. Ensuring timely support is a priority for us, and we’re continually working to improve this aspect of our service to better meet your needs. Your insights are valuable, and we’re grateful for your input as we strive to improve. If there’s anything specific you’d like assistance with, don’t hesitate to reach out—we’re here to help! All the best, Team Melio KW Kimb W. Owner Design Used the software for: 1-2 years ### "Smooth Business Transactions" March 16, 2025 5.0 I have to say that I've had a so-so experience with Melio for payments processing Pros It's the most suitable for business accounting software integration that will make everything smooth and clear Cons There is a chance of card payments to result in significant fees if you use the service frequently Review Source Response from Melio March 17, 2025 Hi Kimb, Thank you for taking the time to share your feedback. We're glad to hear that you find our software suitable for business accounting integration and that it helps keep things smooth and clear! While we're sorry to hear that your experience with Melio hasn’t fully met your expectations, and we truly appreciate your honesty. We’d love the opportunity to correct this and improve your experience. Please feel free to reach out to us at reviews@melio.com, and we'll do our best to address any concerns you have. We're here to help! DZ Dana Z. Owner Accounting Used the software for: 1-2 years ### "Great option, cheaper than Bill" June 12, 2025 4.0 Pros Easy to use, software is modern and clean looking and the payment delivery dates are clear when you pick your options. Cons The fee structure can be a bit confusing when you are getting started. Some payments don't have a fee though which is lovely. Review Source Response from Melio June 24, 2025 Hi Dana, Thank you for the thoughtful review! We're glad to hear you're enjoying the clean design and clear payment delivery options — and it's great to know the fee-free payments have been a nice bonus. We hear you on the fee structure being a bit confusing at first. We're actively working on making that clearer for new users, so your feedback is super helpful. If you ever have questions or want a quick walkthrough of how fees apply, don’t hesitate to reach out — we’re always happy to help. Thanks again for being part of the Melio community. All the best, Team Melio ER Ernesto R. Owner Construction Used the software for: 1-2 years ### "BEWARE+STAY AWAY+SCAM" April 24, 2025 1.0 Was decent at first, then went bad. downhill fast. Seems like Melio is having funding and financial problems. They will hold your money for long periods of time. BEWARE...!!! Pros Not much, I don't know. Let me see...? Hmmm...! Ummm,,,! Nothing! Cons Stay away from this company. They don't have a phone number. They double charged me fees.Also- my customers can't pay on the website for some reason? Review Source Response from Melio April 28, 2025 Hi Ernesto, thank you for sharing your feedback, though we’re sorry to hear about your experience. If a double charge did in fact happen we want to look into this as we take these concerns seriously. We were unable to find you in our system, so while our support team is available through chat, email, or phone if you are a Boost subscriber, please email us directly at reviews@melio.com, so that we can help resolve this matter for you as quickly as possible. All the best, Team Melio KB Kemoi B. Project Manager Marketing and Advertising Used the software for: 1-2 years ### "Melio is user friendly and get the job done consistently " May 4, 2023 5.0 It saves me time with invoicing. I have been using this tool for years and I enjoy using it. Pros It's free and it's an essential tool to run my business. I can send invoices and collect payments with ease. Cons The processing time on paid invoices. I can't mark invoices as paid within Melio Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Melio It's affordable and I can connect to QuickBooks. And it has a user-friendly interface. Review Source Response from Melio May 10, 2023 Hi Kemoi, thank you for taking the time to share your experience with Melio. We're glad to hear that our user-friendly platform has been an essential tool for running your business and that you find it easy to send invoices and collect payments. We appreciate your feedback. Best, Team Melio AH Andrew H. Accountant Accounting Used the software for: 1-2 years ### "Best Software For Any Business" November 7, 2022 5.0 Amazing! Pros It is very intuitive, and the integration with QBO makes AP and AR processes efficient and automated. All that with a low price makes this a win win for any business. Cons I would like to see more integration with other accounting software platforms like QB Desktop, Xero and SAP. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Price, ease of use and customer service are way better with Melio. Review Source Response from Melio November 9, 2022 Hi Andrew, 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 JR Julian R. Finance and foreign trade Retail Used the software for: 1-2 years ### "satisfied payment experiences" October 9, 2024 4.0 It allows me to have a more detailed payment report and better manage payment accounts Pros It makes all payment management easier to carry out and gather financial information on a single platform to have control and order of each invoice. The data is stored on a secure platform that allows payment tracking for more security Cons I like everything about Melio, I have felt pleased to use this platform that gives me a better job Review Source Response from Melio October 10, 2024 Hi there, thank you for sharing your insights with us! We're glad to hear that we've helped streamline your payment management and improve your overall workflow. We'll make sure to pass your feedback along to our internal teams—it’s insights like yours that help us continue to enhance our service. If you ever have more feedback, feel free to reach out to our support team via live chat or by submitting a ticket through our help center, available weekdays from 9am to 8pm EST! Take care, Team Melio MW Markus W. Founder Music Used the software for: 1-2 years ### "Easy to use payment platform" November 18, 2024 5.0 Setting up an account, entering vendors, and paying invoices is extremely easy. People who have to use more "corporate" systems in larger companies even said, I wish I could use this for my work. You should see what I have to put up with. Pros Melio is a wonderfully designed and easy-to-use payment platform that makes paying contractors a breeze. Cons There isn't really anything I did not like about Melio. Review Source Response from Melio November 27, 2024 Hey Markus! Thank you for your kind review! We're thrilled to hear that Melio has made managing payments easy for you. We’re dedicated to making payments as effortless as possible. If there's anything else we can do to enhance your experience, feel free to let us know. All the best, Team Melio LR Liz R. Owner Retail Used the software for: Less than 6 months ### "1st REVIEW: My Melio!" December 15, 2024 5.0 Better than I thought it could be. Signing up, to receiving payments etc. The entire process took less than 5 minutes. Pros It’s easy to use and all the functionalities you have to send payments is great! Cons It’s extremely easy, almost as if it is too practical at its purpose and function, it’s literally that simple! Review Source Response from Melio December 30, 2024 Hi Liz, We're thrilled to hear that Melio has exceeded your expectations. It sounds like the entire process was smooth and efficient for you, and we're delighted to know that it was both simple and quick. Thank you for taking the time to share your experience with us! All the best, Team Melio AP Amy P. Accounting Manager Printing Used the software for: 1-2 years ### "Easiest Payment System" June 14, 2024 5.0 We started using Melio when they integrated with Quickbooks Online and they made it so simple to pay our high-cost vendors quickly; after the integration ended, we found them on their own and have been ecstatic that the separate site functions almost exactly like it did in Quickbooks. It's truly one of the best payment systems I have. Pros How quickly it connects with our Intuit account, which meant that I didn't need to load every single bill in our system into Melio so I could start payments to vendors. Cons I do not have any cons with my use of Melio. Review Source Response from Melio June 18, 2024 Hi Amy, thank you for taking the time to share this 5-star review. We are happy to hear that you're finding Melio easy to use and that is has been helpful for your business. Best, Team Melio VR Verified Reviewer Office Manager - Bookkeeper Construction Used the software for: 1-2 years ### "Customer Service is not good - Service is inconsistent" June 1, 2023 4.0 Overall experience is that they are inconsistent and have poor customer service. Not a company or software that can be relied upon. Pros I like that they offer the same day vendor payment for a reasonable fee. I also like the check payment option in the event a signer is not available. Cons Just a buyer beware, avoid same day payments, the vendor does not receive funds when promised and they still take their money out of your bank account for the same day service.When we pay the same day processing fee it is a 50/50 shot if it makes it to your vendor the same day. Their customer service reps make excuse after excuse and attempt to blame the customer. They ask for screen shots proving what you are saying and even when provided they blame the customer. Unfortunately this exact same interaction has occurred at least 3 different times, paying different vendors, and reaching out to customer service and being treated and spoken to the same way. They also will not refund the fees when there is a service failure. They just say, \[sensitive content hidden\] but nothing is ever done and you will have to contact your bank if you or your vendor would like a refund. Even with the receipts they request they do not care even telling me that I should have read their policy article before using their service. We won't be using any paid methods of payment with Melio any longer because sadly they are at best dishonest in what they charge for and they don't see any problem with the way in which they do business. Reason for choosing Melio Cost and the ability to same day pay vendors. Sadly since that is the part they are failing at it was the incorrect choice for our company. Review Source Response from Melio June 6, 2023 Hi there, thanks for leaving this review and we're sorry to hear your experience has been less than stellar. Our support team is available on live chat Monday- Friday, 9am- 8pm EST via the help center. Or please reach out to us at reviews@melio.com and we'll be sure to look into any issues you may have. Best, Team Melio RG Reed G. Sole Propietor Real Estate Used the software for: Less than 6 months ### "Absolute HELL. Stay AWAY!! Horrible, horrible, horrible." September 17, 2022 1.0 First hopeful. Then confused. Later frustrated and anger. Now disgust and acceptance. Overall a very negative experience when dealing a payment processing service. Pros It’s free, it’s advertised nicely, but there are actual NO pros because they are not a professional service. Cons Customer support is a joke. They responded to my email with 1 sentence that was so vague, I didn’t have any idea what they had requested from me. In summary, they discrimate against sole proprietorships, freelancers, contractors, and self-employees persons. They specify say that they DON’T do this and think that makes everything okay. That’s why I say this is not a professional service. They are fishing for high volume businesses so they can make money on credit card processing. They are dishonest in their advertising. I am being put out and payments are being delayed due to this weird and terrible company. It’s all a con. Reason for choosing Melio Lack of fees Review Source TT Toni T. Owner Accounting Used the software for: 2+ years ### "No Longer An Asset to My Clients or Practice" September 8, 2023 1.0 Terrible!! Pros There is absolutely nothing I like about Melio anymore. This payment service is not ideal. Most of my clients do not use it. And for the one's who do, I am working to remove them from the platform. Cons Melio declines all expedited payments no matter the amount. Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden being declined consistently causing issues for my clients and causing my payments to be late. Again I am working to remove the remaining few from this platform and encouraging them to use other AP platforms that come with bill pay or simply use their banks. So far I've removed 13 clients and I now need to remove 4 more and I can be done with the nightmare. Review Source Response from Melio November 7, 2023 Hi Toni, thanks for sharing this feedback. We're so sorry this has been your experience. We would like to take a look into your client's accounts and see why these payments have been declined. However, we understand if you've already stopped using Melio. Should you decide to use Melio again down the line, please don't hesitate to reach out to us at reviews@melio.com with any questions or feedback. We want to make this a better experience for you. Best, Team Melio NL Noah L. Owner Food & Beverages Used the software for: 1-2 years ### "Saves me hours every week, for free! " March 31, 2022 5.0 So easy to use, good service, fast, and free! Pros It's like the best bank bill pay ever! Easy to set up recurring payments and see delivery times. Cons Wishlist - if it integrated fully with Wave Invoicing, that would be cool, and that would provide an entirely free connected workflow. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[Corpay One](https://www.capterra.com/p/200179/Roger/) Reason for choosing Melio Free and much easier workflow Review Source KS Kyle S. NA Real Estate Used the software for: 2+ years ### "Great system" August 13, 2021 5.0 It has been great, my only cons are relatively minor issues, and the system is very useful for my business. Pros Melio is a great payment processor, I have a much better experience with them than with their only real competition, Plastiq. While Plastiq has IRS-esque customer service, Melio really go out of their way to ensure a positive user experience. Melio is also faster at processing ACH payments, which is a huge plus. Cons It would be really helpful if Melio offered wire transfers, and aggregate payments (ie, charge 10k to card 1 and 10k to card 2 so as to issue a single payment of 20k). Also, sometimes compliance reviews cause payment delays. They could perhaps offer a cut off before which compliance reviews will not cause delays if the review is passed, that would make the system have more reliable timing. Review Source Response from Melio September 9, 2021 Hi Kyle, 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. We do have some good news on this front already: Partial payment options that will allow you to use multiple payment methods for a single bill and create installments are currently in development, and we hope to roll them out soon. Wire transfers are also in the works, so stay tuned. All the best, Team Melio JB Joel B. Marketer Marketing and Advertising Used the software for: 1-2 years ### "Melio my Invoice Maker " May 2, 2023 5.0 I'm able to Create Invoices for my Customers.It makes it easier for me to create invoice for my Customers and Clients to do some job Pros I love the Invoicing aspect of Melio so much, It makes it Very easier for me to create invoice for my Customers and Clients to do some job Cons I don't have any problem with MelioIt's Perfect Review Source Response from Melio May 11, 2023 Hi Joel, thank you for sharing this review. We're happy to hear you love the invoicing aspect of Melio. We'll be sure to pass this feedback along to our team. Best, Team Melio TP Troy P. Accountant Accounting Used the software for: 6-12 months ### "Lost our Money" November 21, 2021 1.0 We received notices from Melio for client scheduled payments for $2100 and $455 on \[SENSITIVE CONTENT\]. They were both in the list "In-Progress" on the Melio site/dashboard. \[SENSITIVE CONTENT\] we alerted by one client payment was rejected for no apparent reason (they paid ach) ($455). The other payment for $2100 and totally disappeared from the system - not in anywhere in the Melio dashboard (Paid, In -Progress, unsent or sent). I have grave concerns about their ability to handle transactions. I attempted to contact support but you cannot call - only chat or email and they are of course closed on the weekend. 1 star is for issues as well as lack of ability to contact them for urgent issues like this. This product while I had very high hopes still seems VERY BETA. Not going to gamble my money to help another company test their code. Pros Low cost, simplicity of system, integration with QuickBooks online Cons Support is a challenge. Software is unstable and buggy. Clients are declined for ACH - not sure how or why and payments just disappear ? Product is more beta than stable release. Reason for choosing Melio Cost and integration with QuickBooks online Review Source Response from Melio December 1, 2021 Hi Troy, thank you for taking the time to share your experience. Upon taking a look, it appears our Risk & Compliance team was unable to support these transactions as they were personal in nature. As is clearly stated on our website, in our terms of service, and within our payment flow, Melio is strictly a B2B payment solution and, for regulatory reasons, can only facilitate payments where both parties are registered business entities. We can confirm our team has made efforts to reach you via email regarding the processing of these payments. For further assistance, please respond to our team directly at compliance@melio.com. All the best, Team Melio VR Verified Reviewer Vice President Government Relations Used the software for: 2+ years ### "Great Small Business Payment Tool" November 7, 2022 5.0 Pros I love being able to pay vendors electronically with no major costs. Yes, there are fees when you need to pay by check or quickly but if you are in a regular rhythm it's a great free tool to use! Cons I have no complaints, seriously. Melio does exactly what I need and want it to do and does it well. Reason for choosing Melio I couldn't find another product that matches their capabilities at this price point. Review Source Response from Melio November 9, 2022 Hi, thank you for sharing your review with us and the community. We're happy to hear that you find Melio useful and easy to use. Best, Team Melio KG Kelly G. Owner Accounting Used the software for: 6-12 months ### "No Support - You Get A Lot Of Promises, But No Action" March 17, 2022 2.0 Absolutely the worst customer service. Why? because there isn't any. I have been trying since Dec to resolve an issue and it just keeps getting worse. The last straw was when I deleted my account and re entered it only to be connected to a former clients account that I have no access to at all. There was a 2 week period that I called every single day and left a message and never did I receive a call back. Just the worst! I've been on a chat with them this morning and they just stopped responding after a few minutes. So frustrating Pros it worked great until you have a problem then everything comes to a complete stop with no help Cons Support, there isn't any. They suspended a clients account but didn't notify us. When I finally reached someone who could help, I was told what to do and still nothing. This happened in Nov 2021 and still no resolution. I tried to delete my account and sign up again and it connected to a QB account that I have no affiliation with which is scary. They said they would look into it and nothing yet Four months later and nothing but empty promises Reason for choosing Melio because it was offered through QBO and I thought it would be a great solution to client's asking if certain bills were paid instead of emailing me. It worked great until it didn't and hasn't for over 4 months with no support Review Source Response from Melio March 22, 2022 Hi Kelly, thanks for reaching out. Upon taking a look into your case, we can confirm it has been escalated to our Compliance team and they are looking into resolving it ASAP. Our Support rep did notify you on 3/17 that this can only be resolved by Compliance, and we assure you they are working diligently to resolve this as soon as they can. We apologize for any delay or inconvenience. Thanks for your patience! All the best, Melio Talk to a Capterra advisor for free and get results within 15 minutes.