--- description: Learn how Melio can help your business. We provide UK business users the most detailed information on pricing, features, usability, and reviews for Melio. image: https://gdm-localsites-assets-gfprod.imgix.net/images/getapp/og_logo-94fd2a03a6c7a0e54fc0c9e21a1c0ce9.png title: Melio Reviews, Prices & Ratings | GetApp UK 2026 --- Breadcrumb: [Home](/) > [Accounts Payable Software](/directory/237/accounts-payable/software) > [Melio](/software/120147/melio) # Melio Canonical: https://www.getapp.co.uk/software/120147/melio Page: 1 / 17\ Next: [Next page](https://www.getapp.co.uk/software/120147/melio?page=2) > Melio simplifies bill payments for businesses of all sizes. Pay vendors online using bank transfers or credit/debit cards, even if they only accept checks. Seamlessly sync with QuickBooks and Xero, keeping your finances up to date. To get started, enjoy your 30 day free trial. > > Verdict: Rated **4.2/5** by 405 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Key benefits of Melio • Flexible payments: Pay vendors via bank transfer or credit/debit card, while they receive a check, an ACH transfer, a wire transfer, or a single-use virtual card. • Seamless sync: Auto-sync payments with QuickBooks and Xero. • Pay with your credit card: Earn rewards and extend your payment float by up to 45 days. • Advanced approval workflows: Delegate routine tasks while staying in control with flexible user roles and permissions. • Mobile app: Approve payments and handle other finance tasks no matter where your business takes you. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.2/5** | 405 Reviews | | Ease of Use | 4.4/5 | 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**: US$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 - [Accounts Payable Software](https://www.getapp.co.uk/directory/237/accounts-payable/software) ## Related Categories - [Accounts Payable Software](https://www.getapp.co.uk/directory/237/accounts-payable/software) - [Billing and Invoicing Software](https://www.getapp.co.uk/directory/240/billing-invoicing/software) - [Accounts Receivable Software](https://www.getapp.co.uk/directory/238/accounts-receivable/software) - [Payment Processing Software](https://www.getapp.co.uk/directory/23/payment-management/software) - [Recurring Billing Software](https://www.getapp.co.uk/directory/1591/recurring-billing/software) ## Alternatives 1. [Xero](https://www.getapp.co.uk/software/1671/xero) — 4.4/5 (3318 reviews) 2. [NetSuite](https://www.getapp.co.uk/software/9137/netsuite) — 4.2/5 (2062 reviews) 3. [QuickBooks Online](https://www.getapp.co.uk/software/20428/quickbooks-online-edition) — 4.3/5 (8511 reviews) 4. [QuickBooks Enterprise](https://www.getapp.co.uk/software/115227/quickbooks-enterprise) — 4.5/5 (20669 reviews) 5. [Stampli](https://www.getapp.co.uk/software/103241/stampli) — 4.8/5 (463 reviews) ## Reviews ### "Melio – Manage your ACH payments" — 4.0/5 > **Adam** | *11 September 2023* | Information Technology & Services | Recommendation rating: 8.0/10 > > **Pros**: I have been using Melio to manage payments to suppliers and contractors. The platform allows us to process ACH payments completely free of charge, which is an incredible benefit. You only incur a cost if you send more than two checks per month. I like its design and the speed at which payments are processed. > > **Cons**: What I don't like is the customer support, it is very, very slow, and when you have a problem with a transaction it can be very tedious and time consuming. > > What sets Melio apart for me is its simplicity, especially when it comes to regular vendors. Sending payments is easy and the platform also allows me to keep a record of all payments made during the year. This is incredibly helpful come tax time. ----- ### "Easy Accounts Payable Solution" — 5.0/5 > **Ryan** | *3 March 2025* | Furniture | Recommendation rating: 9.0/10 > > **Pros**: Makes accounts payable easy to track and make payments > > **Cons**: 0.50 per ACH fee after 20 ACH per month. If I'm already paying a subscription it should include free ACH. Also wish the drop down for category could be customized. it would save me time instead of having to scroll almost all the way to the bottom > > very easy to setup and continue using. Invoices can be easily updated and fields with info from invoices are automatically populated. Very easy to integrate with Quickbooks ----- ### "Started off okay, then crashed and burned" — 1.0/5 > **Julie** | *19 November 2024* | Real Estate | Recommendation rating: 0.0/10 > > **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. > > 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. ----- ### "Melio is Awesome" — 5.0/5 > **alton** | *14 September 2024* | Arts & Crafts | Recommendation rating: 10.0/10 > > **Pros**: Melio offers my business the luxury of paying vendors and receiving payments without high subscription fees or a lengthy set up. I was able to pay several vendors within minutes without headache or hassle. My vendors received payments within days and not weeks. This is an awesome and much appreciated feature for my small business. > > **Cons**: All the current features met my business needs and expectations at this time. ----- ### "Melio is the best and works seamlessly with QBO" — 5.0/5 > **Jamie** | *17 November 2022* | Accounting | Recommendation rating: 10.0/10 > > **Pros**: The fact that it is free for ACH and has the integration with QBO. It has become my go to for my clients and bill paying and payment processing. I can track all of there A/R and A/P and submit payments or receive payments with a click of a button, makes it so easy and simple. I recommend to my clients and I use it myself almost daily. I love how it gives you options, you pay the fee or your customer does, they make the call on how they want to be paid via check or ACH. It just makes sense. > > **Cons**: The fact that the ACH option still takes sometimes 3, 5 or even 7 days to receive does put a strain on cash flow for some clients. The processing of checks also seems to take a really long time, sometimes I will get a bill in and go immediately to setup payment and it states the received date would still be after the due date which makes it frustrating at times. I appreciate the 2 checks a month for free before charging and realize it can't all be free, but it was nice when it was free. I also wish they had more business to person options, not just B2B. This would be super valuable for Non-profits to save on processing fees as well as some MLM businesses. > > There were a few kinks at first but most of them have been worked out, the customer service is great. I have enjoyed working with them to fix issues or work out bugs. The ease of the app and ability of the integration with QBO is unprecedented and has seriously saved me hundreds of hours for each client that I handle bookkeeping for. I love how quick and easy it is, and it's all in one platform, incoming, outgoing and history. I love everything about Melio. ----- Page: 1 / 17\ Next: [Next page](https://www.getapp.co.uk/software/120147/melio?page=2) ## Links - [View on GetApp](https://www.getapp.co.uk/software/120147/melio) ## This page is available in the following languages | Locale | URL | | de | | | de-AT | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-NZ | | | en-SG | | | en-ZA | | | es | | | es-CL | | | es-CO | | | es-MX | | | fr | | | fr-BE | | | fr-CA | | | nl | | | nl-BE | | ----- ## Structured Data