Melio is a New York-based B2B payments platform founded in 2018 that makes paying and getting paid effortless for small and midsized businesses. The free core service lets you pay any vendor by ACH, debit card, or paper check while sending payments via the vendor\u2019s preferred method \u2014 no portals or back-and-forth required.
With native two-way sync to QuickBooks Online, QuickBooks Desktop, Xero, and FreshBooks, plus invoice creation, payment approvals, batch payments, and a generous free plan, Melio has become one of the most popular bill-pay tools for U.S. SMBs reducing AP processing time by 50-70%.
Pay vendors via ACH, debit card, credit card, or paper check \u2014 even when the vendor only accepts checks \u2014 from a single dashboard.
Real-time two-way sync with QuickBooks Online, QuickBooks Desktop (Boost), Xero, and FreshBooks keeps bills, payments, and vendors aligned automatically.
ACH bank transfers between U.S. accounts are free, with no monthly subscription on the Go plan \u2014 a major differentiator vs BILL.
Pay a vendor with your credit card even when the vendor doesn\u2019t accept cards. Melio sends them ACH or a check while you keep your card rewards and float.
Set custom approval rules so payments above a threshold or in specific categories are routed for sign-off before they go out.
Process multiple invoices at once, schedule recurring payments, and use payment files to streamline weekly AP runs.
Send branded invoices with payment links so customers can pay you by ACH or card without a portal account.
Send payments to vendors in 80+ countries from a single dashboard with transparent FX rates and tracking.
Melio gives small businesses a complete AP/AR toolkit with a free base plan:
Watch step-by-step Melio walkthroughs to see how to add vendors, pay bills, sync with QuickBooks, and send invoices in just a few clicks.
Melio uses a hybrid model with a free base plan plus pay-as-you-go fees:
According to G2, Melio scores in the high 4s for ease of use and time savings in bill pay. Capterra reviewers praise vendor flexibility and QuickBooks sync, while Trustpilot reflects mixed feedback that mostly centers on account verification edge cases. Independent reviewers note 50-70% reductions in AP processing time after switching to Melio.
Top alternatives to Melio in the SMB bill-pay and AP space:
⚠️ Affiliate Disclosure: This site contains affiliate links. We may earn a commission when you purchase through our links at no extra cost to you. Results are not typical.
