--- description: Review of Melio Software: system overview, features, price and cost information. Get free demos and compare to similar programs. image: https://gdm-localsites-assets-gfprod.imgix.net/images/software_advice/og_logo-55146305bbe7b450bea05c18e9be9c9a.png title: Melio | Reviews, Pricing & Demos - SoftwareAdvice AU --- Breadcrumb: [Home](/) > [Accounting Practice Management Software](/directory/4334/accounting-practice-management/software) > [Melio](/software/114354/melio) # Melio Canonical: https://www.softwareadvice.com.au/software/114354/melio Page: 1 / 17\ Next: [Next page](https://www.softwareadvice.com.au/software/114354/melio?page=2) > Melio is an accounts payable solution designed to streamline bill payments, enhance workflows, and optimize cash flow for businesses of all sizes. Pay vendors online via bank transfers or credit/debit cards, even if they only accept checks—Melio handles the manual tasks. With Melio, you can choose to pay by bank transfer or card to extend your cash flow and earn rewards. Adding vendor or bill details is easy—enter manually, upload, or photograph invoices. Schedule payments to match your cash flow needs and let Melio manage the process. Pay international vendors in their local currency for the goods and services your business requires. Seamlessly integrate with QuickBooks and Xero to keep your finances updated. The Melio mobile app for iOS and Android allows you to track and manage payments anytime, anywhere, providing better financial control and ensuring your business operates smoothly. > > Verdict: Rated **4.2/5** by 401 users. Top-rated for **Likelihood to recommend**. ----- ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.2/5** | 401 Reviews | | Ease of Use | 4.3/5 | Based on overall reviews | | Customer Support | 4.0/5 | Based on overall reviews | | Value for Money | 4.3/5 | Based on overall reviews | | Features | 4.1/5 | Based on overall reviews | | Recommendation percentage | 80% | (8/10 Likelihood to recommend) | ## About the vendor - **Company**: Melio - **Founded**: 2018 ## Commercial Context - **Starting Price**: USD 25.00 - **Pricing model**: Per User (Free version available) (Free Trial) - **Pricing Details**: Subscription fee: Free Credit/Debit card transaction fee: 2.9% Bank transfer (ACH): Free Same-day bank transfer: 1% Sending checks (with USPS): Free Expedited check delivery (with FedEx): $20 International USD transfer: $20 - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile) - **Supported Languages**: English - **Available Countries**: United States ## Features - 1099 Preparation - ACH Payment Processing - Accounting - Accounting Integration - Accounts Payable - Accounts Receivable - Approval Process Control - Approval Workflow - Bank Reconciliation - Billing & Invoicing - Billing Portal - Bookkeeping Services Integration - Cash Flow Management - Cash Management - Check Processing - Check Writing - Client Management - Contact Database - Credit Card Processing - Customer Statements ## Integrations (4 total) - FreshBooks - QuickBooks Desktop - QuickBooks Online - QuickBooks Online Advanced ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Chat ## Category - [Accounting Practice Management Software](https://www.softwareadvice.com.au/directory/4334/accounting-practice-management/software) ## Related Categories - [Accounting Practice Management Software](https://www.softwareadvice.com.au/directory/4334/accounting-practice-management/software) - [Billing and Invoicing Software](https://www.softwareadvice.com.au/directory/263/billing-invoicing-software/software) - [Bookkeeping Software](https://www.softwareadvice.com.au/directory/270/bookkeeping/software) - [Medical Accounting Software](https://www.softwareadvice.com.au/directory/299/healthcare-social-services-software/software) - [Hotel and Hospitality Accounting Software](https://www.softwareadvice.com.au/directory/300/hospitality-travel-software/software) ## Alternatives 1. [QuickBooks Online](https://www.softwareadvice.com.au/software/393202/quickbooks-online) — 4.3/5 (8393 reviews) 2. [Stampli](https://www.softwareadvice.com.au/software/414803/stampli) — 4.8/5 (463 reviews) 3. [Xero](https://www.softwareadvice.com.au/software/2976/xero) — 4.4/5 (3273 reviews) 4. [QuickBooks Enterprise](https://www.softwareadvice.com.au/software/49801/qb-enterprise) — 4.5/5 (20613 reviews) 5. [QuickBooks Desktop](https://www.softwareadvice.com.au/software/17316/quickbooks-pro) — 4.4/5 (2551 reviews) ## Reviews ### "Excellent overall experience" — 5.0/5 > **Mar** | *29 October 2025* | Individual & Family Services | Recommendation rating: 10.0/10 > > **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. > > The customer service experience and the value for the money. I purchased it for the ability to manage accounts. ----- ### "Easy-to-Use Payment Platform" — 5.0/5 > **Lin** | *5 January 2026* | Consumer Goods | Recommendation rating: 10.0/10 > > **Pros**: Melio is very easy to use with a minimal learning curve. The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup. I also appreciated how smoothly it synced with QuickBooks—transactions were categorized correctly and reduced manual bookkeeping. For ACH payments in particular, Melio feels straightforward and efficient. > > **Cons**: While Melio works well for basic ACH payments, it can feel limited for more complex transaction management or advanced invoice workflows. Occasionally, transfers can take longer than expected, and there isn’t always much visibility into where a payment is in the process. Some additional reporting or customization options would be helpful. > > Overall, my experience with Melio has been positive. The learning curve was very low, and it provided good value for money for our needs. We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable. Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues. Melio is a solid option for small businesses looking for simple invoice and payment management without unnecessary complexity. ----- ### "What happend?" — 3.0/5 > **Oscar** | *11 September 2025* | Printing | Recommendation rating: 8.0/10 > > **Pros**: It's still fairly easy to use. If you are doing a minimal amount of bill pay, you will have no issues. > > **Cons**: A lot of the services that were once provided as free are now not. Write a check, pay. Use a CC, pay. > > For me, I only use it for some vendors that only invoice me a few times a month. I found that just using my banks bill pay is just as efficient. ----- ### "Simple, Reliable, and Perfect for My Real Estate Business" — 5.0/5 > **Erika** | *21 November 2025* | Real Estate | Recommendation rating: 10.0/10 > > **Pros**: For my type of business, where I work with different service providers and need quick, reliable payments, Melio has been a great tool. I definitely recommend it to other real estate agents or small businesses looking to simplify their payables. Pros: •Very easy to use •Flexible payment options (ACH or credit card) •Great for managing multiple vendors •Keeps payments organized and on time > > **Cons**: I honestly haven’t experienced any real cons so far. Everything has worked smoothly for my needs. The only ‘con’ is that I wish I had started using it earlier, it really simplified my payments. > > Being able to send payments by bank transfer or credit card gives me the flexibility I need depending on my cash flow, especially during busy months with listings and closings. I also like that Melio keeps everything organized, so I never miss a payment and all my vendors receive their funds on time. Melio has become an essential tool for my business. Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments. ----- ### "It allows for better workflow management." — 5.0/5 > **Charles** | *9 April 2025* | Chemicals | Recommendation rating: 9.0/10 > > **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. > > 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. ----- Page: 1 / 17\ Next: [Next page](https://www.softwareadvice.com.au/software/114354/melio?page=2) ## Links - [View on SoftwareAdvice](https://www.softwareadvice.com.au/software/114354/melio) ## This page is available in the following languages | Locale | URL | | en | | | en-AU | | | en-GB | | | en-IE | | | en-NZ | | ----- ## Structured Data