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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Melio

    Score8.4 out of 10
    N/AMelio is a small business-oriented Accounts Payable tool, presented as a service that helps small businesses keep up with business. A B2B payments experience and payment workflow designed to be simple, and to enable businesses to pay domestic and international vendors, expedite payments, or pay by card.N/A

    Zoho Finance Plus

    Score8 out of 10
    N/AZoho Finance Plus is an integrated accounting suite for small businesses, featuring invoice and AP / AR management, accounting, and billing management.

    $249

    per month

    Pricing
    MelioZoho Finance Plus
    Editions & Modules
    Card processing fee
    2.9%
    No answers on this topic
    Offerings
    Pricing Offerings
    MelioZoho Finance Plus
    Free Trial
    YesYes
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional Details—The base plan includes up to 10 seats. Additional seats can be purchased for a fee. Buyers may also get a discount for annual billing.
    More Pricing Information
    Community Pulse
    MelioZoho Finance Plus
    Considered Both Products
    Melio
    No answer on this topic
    Zoho
    No answer on this topic
    Key User Insights
    Would buy again
    71%
    Would buy again
    17 Answers
    No answers on this topic
    Delivers good value for the price
    78%
    Delivers good value for the price
    18 Answers
    No answers on this topic
    Happy with the feature set
    75%
    Happy with the feature set
    18 Answers
    No answers on this topic
    Lived up to sales and marketing promises
    77%
    Lived up to sales and marketing promises
    17 Answers
    No answers on this topic
    Implementation went as expected
    87%
    Implementation went as expected
    20 Answers
    No answers on this topic
    Features
    MelioZoho Finance Plus
    Payment Management
    Comparison of Payment Management features of Melio and Zoho Finance Plus
    Feature
    Melio
    9.4
    14 Ratings
    21% above category average
    Zoho Finance Plus
    -
    Ratings
    Customizable Approval Policies7.911 Ratings00 Ratings
    Financial Document Management9.710 Ratings00 Ratings
    Payment Status Tracking9.914 Ratings00 Ratings
    Payment Audit Trail9.911 Ratings00 Ratings
    Duplicate Bill Detection9.810 Ratings00 Ratings
    Advanced OCR9.89 Ratings00 Ratings
    Electronic Funds Transfer8.912 Ratings00 Ratings
    Accounts Payable
    Comparison of Accounts Payable features of Melio and Zoho Finance Plus
    Feature
    Melio
    9.4
    18 Ratings
    27% above category average
    Zoho Finance Plus
    -
    Ratings
    Automated Accounts Payable Processes8.917 Ratings00 Ratings
    Vendor Management9.417 Ratings00 Ratings
    Tax Form Preparation9.811 Ratings00 Ratings
    Security
    Comparison of Security features of Melio and Zoho Finance Plus
    Feature
    Melio
    -
    Ratings
    Zoho Finance Plus
    8.5
    1 Ratings
    4% above category average
    Single sign-on capability00 Ratings8.01 Ratings
    Role-based user permissions00 Ratings9.01 Ratings
    General Ledger and Configurable Accounting
    Comparison of General Ledger and Configurable Accounting features of Melio and Zoho Finance Plus
    Feature
    Melio
    -
    Ratings
    Zoho Finance Plus
    7.4
    1 Ratings
    3% below category average
    Accounts payable00 Ratings6.01 Ratings
    Accounts receivable00 Ratings7.01 Ratings
    Cash management00 Ratings6.01 Ratings
    Bank reconciliation00 Ratings8.01 Ratings
    Expense management00 Ratings7.01 Ratings
    Time tracking00 Ratings8.01 Ratings
    Fixed asset management00 Ratings6.01 Ratings
    Multi-currency support00 Ratings8.01 Ratings
    Multi-division support00 Ratings8.01 Ratings
    Regulations compliance00 Ratings7.01 Ratings
    Electronic tax filing00 Ratings8.01 Ratings
    Self-service portal00 Ratings7.01 Ratings
    Global Financial Support00 Ratings8.01 Ratings
    Primary and Secondary Ledgers00 Ratings7.01 Ratings
    Intercompany Accounting00 Ratings7.01 Ratings
    Localizations00 Ratings8.01 Ratings
    Journals and Reconciliations00 Ratings8.01 Ratings
    Enterprise Accounting00 Ratings9.01 Ratings
    Configurable Accounting00 Ratings8.01 Ratings
    Centralized Rules Framework00 Ratings8.01 Ratings
    Standardized Processes00 Ratings7.01 Ratings
    Inventory Management
    Comparison of Inventory Management features of Melio and Zoho Finance Plus
    Feature
    Melio
    -
    Ratings
    Zoho Finance Plus
    8.0
    1 Ratings
    9% above category average
    Inventory tracking00 Ratings8.01 Ratings
    Automatic reordering00 Ratings8.01 Ratings
    Location management00 Ratings9.01 Ratings
    Manufacturing module00 Ratings7.01 Ratings
    Best Alternatives
    MelioZoho Finance Plus
    Small Businesses
    Tipalti
    Score7.7 out of 10
    QuickBooks Self-Employed (discontinued)
    Score4.2 out of 10
    Medium-sized Companies
    Stampli
    Score8.4 out of 10
    MYOB
    Score8.3 out of 10
    Enterprises
    Yooz
    Score8.8 out of 10
    Microsoft Dynamics GP
    Score5.4 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    MelioZoho Finance Plus
    Likelihood to Recommend
    8.9
    (24 ratings)
    8.0
    (1 ratings)
    Likelihood to Renew
    9.7
    (2 ratings)
    -
    (0 ratings)
    Usability
    8.3
    (4 ratings)
    8.0
    (1 ratings)
    Availability
    9.0
    (1 ratings)
    -
    (0 ratings)
    Performance
    7.0
    (1 ratings)
    -
    (0 ratings)
    Support Rating
    8.0
    (1 ratings)
    8.0
    (1 ratings)
    In-Person Training
    9.0
    (1 ratings)
    -
    (0 ratings)
    Online Training
    8.0
    (1 ratings)
    -
    (0 ratings)
    Implementation Rating
    9.0
    (1 ratings)
    -
    (0 ratings)
    Configurability
    9.0
    (1 ratings)
    -
    (0 ratings)
    Contract Terms and Pricing Model
    7.0
    (1 ratings)
    -
    (0 ratings)
    Ease of integration
    10.0
    (1 ratings)
    -
    (0 ratings)
    Product Scalability
    8.0
    (1 ratings)
    -
    (0 ratings)
    Professional Services
    9.0
    (1 ratings)
    -
    (0 ratings)
    Vendor post-sale
    9.0
    (1 ratings)
    -
    (0 ratings)
    Vendor pre-sale
    9.0
    (1 ratings)
    -
    (0 ratings)
    User Testimonials
    MelioZoho Finance Plus
    Likelihood to Recommend
    Melio
    In my personal experiences, I would recommend Melio to a friend or colleague but would tell them the pros and the con. Melio has really made payments seem seamless and easy. The fact that one can plan his/her payment schedule in advance and at the same time track it, is a very big relief. In as much as Melio has a lot of good features but it still needs upgrade or update, like the notifications of failed payments and delays.
    Incentivized
    Read full review
    Zoho
    It is very well suited to track the expenses which employees use in an organization and if any employees are using business accounts. It has multiple integrations with other applications and we can customize it as per our needs.
    Incentivized
    Read full review
    Pros
    Melio
    • The simplicity it adds to business payments is a great deal. One feature we really value it the ability to pay vendors by check. Melio prints and mails checks for us which saves time and hassle.
    • Payment scheduling tool is another thing we enjoy. This tool lets us plan ahead and manage cash flow more effectively by setting payment dates in advance.
    • Another thing Melio does well is the tracking of payment.
    • There was a time a vendor claimed that they hadn't been paid, but with just a few clicks we could see the check has already been delivered.
    • This kind of transparency gives us confident and keep things professional.
    • The integration with other platform or accounts like QuickBooks is an experience I did love to keep.
    Incentivized
    Read full review
    Zoho
    • Expense Management
    • Report Tracking
    • Integration with other application
    • Customization
    Incentivized
    Read full review
    Cons
    Melio
    • There should be an automatic link between vendors added with their Melio link and the same vendors that already exist in QuickBooks. As it is now, a new vendor is created when you do that and is not linked with the one that already is in QuickBooks.
    Incentivized
    Read full review
    Zoho
    • Customer Support
    • Mobile Platform Optimization
    • Minimal GUI
    Incentivized
    Read full review
    Likelihood to Renew
    Melio
    I like the interface. I am familiar with functionality. Convenient to send ACH payments.
    Incentivized
    Read full review
    Zoho
    No answers on this topic
    Usability
    Melio
    Melio has been a very important tool in the advancement of our business. With great features, it has made payments to vendors seamless and hassle free. In terms of vendor management, account/data tracking, and scheduling of payments in advance. This has formed the base that we are still with Melio till today.
    Incentivized
    Read full review
    Zoho
    We have been efficiently using this product for 2 years, so the overall experience of using the product is fairly easy and straightforward
    Incentivized
    Read full review
    Support Rating
    Melio
    They have great customer support system
    Incentivized
    Read full review
    Zoho
    I have been a user of Zoho Financial Plus for more than a year and it's been a very efficient and sophisticated tool for managing the expenses in our organization.
    Incentivized
    Read full review
    In-Person Training
    Melio
    Very educative. It was well detailed, organized and knowledgeable.
    Incentivized
    Read full review
    Zoho
    No answers on this topic
    Online Training
    Melio
    Very helpful and we learnt a handful
    Incentivized
    Read full review
    Zoho
    No answers on this topic
    Alternatives Considered
    Melio
    Melio is 100% free if you just use ACH, and that by itself would be reason enough for me to stick with the platform, it boats a ton of other useful features that add to the experience.
    Read full review
    Zoho
    No answers on this topic
    Contract Terms and Pricing Model
    Melio
    The vendor is great
    Incentivized
    Read full review
    Zoho
    No answers on this topic
    Professional Services
    Melio
    Very knowledgeable
    Incentivized
    Read full review
    Zoho
    No answers on this topic
    Return on Investment
    Melio
    • I have been able to save hours every week now that I am only using Melio as my payment processor
    • I can easily add invoice details which I use to create in another platform and upload to Melio, this saves me time with projects I want to be quicker with
    • The ease of use for my clients is fantastic, and makes for a seamless workflow
    Incentivized
    Read full review
    Zoho
    • Zoho Ecosystems
    • Finance Audits
    • Financial Account Management
    Incentivized
    Read full review
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