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Melio

Melio

Overview

What is Melio?

Melio 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…

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Recent Reviews

TrustRadius Insights

Users have found Melio to be a valuable tool for processing recurring ACH transactions with their clients, resulting in significant …
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Melio comes up short

1 out of 10
September 30, 2022
I used Melio to set up one recurring rent payment for my company Diversity Crew. After the rent was no longer needed, I canceled the …
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Popular Features

View all 10 features
  • Automated Accounts Payable Processes (5)
    2.2
    22%
  • Vendor Management (5)
    2.0
    20%

Reviewer Pros & Cons

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Pricing

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Card processing fee

2.9%

Cloud

Entry-level set up fee?

  • No setup fee
For the latest information on pricing, visithttps://meliopayments.com/pricing/

Offerings

  • Free Trial
  • Free/Freemium Version
  • Premium Consulting/Integration Services
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Product Demos

Melio Demo for Accountants and Bookkeepers with David Leary

YouTube

Melio Demo How to Pay a Bill

YouTube

Free Online Bill Pay Using Melio in QBO - Part 1

YouTube

Melio | Logistics- Demo

YouTube

Melio payments - Future of freight virtual event - Demo

YouTube

Melio Payments Review - DEMO & Complete Review of Melio

YouTube
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Features

Payment Management

Features that allow for the management of payments across various forms of finance/accounting software.

1
Avg 6.1

Accounts Payable

Features found in accounts payable software products

1.9
Avg 5.5
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Product Details

What is Melio?

Melio 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.

Melio Video

What is Melio

Melio Integrations

Melio Technical Details

Deployment TypesSoftware as a Service (SaaS), Cloud, or Web-Based
Operating SystemsUnspecified
Mobile ApplicationNo

Frequently Asked Questions

Melio 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.

BILL, Tipalti, and AvidXchange are common alternatives for Melio.

Reviewers rate Automated Accounts Payable Processes highest, with a score of 2.2.

The most common users of Melio are from Small Businesses (1-50 employees).
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Comparisons

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Reviews and Ratings

(18)

Community Insights

TrustRadius Insights are summaries of user sentiment data from TrustRadius reviews and, when necessary, 3rd-party data sources. Have feedback on this content? Let us know!

Users have found Melio to be a valuable tool for processing recurring ACH transactions with their clients, resulting in significant savings on merchant fees. The platform has also been widely used for daily payments to vendors and managing accounts payable, providing a user-friendly experience for beginners. During the pandemic, some users turned to Melio as a solution to promptly pay vendors when mail delivery was delayed. Additionally, clients have utilized Melio alongside Veem to set up different Accounts Payable apps primarily through ACH, allowing for efficient payment processes.

However, some users encountered issues with Melio, particularly when it stopped working for clients in specific states. This led some users to explore alternative ACH bill payment systems. Furthermore, one user experienced a negative incident where a rent payment was not sent via Melio, resulting in late payments and disputes. Another user found that the platform caused delays in bill payments by frequently requesting proof for each transaction, leading to late fees and added complexities for small business owners.

On the other hand, many users have found Melio helpful in streamlining the vendor payment process, onboarding new vendors seamlessly, and ensuring accurate payment details. Despite these positive experiences, one user had a frustrating encounter with a recurring payment that continued even after cancellation, leading to a lack of confidence in the software's reliability. Overall, the product has shown promise in simplifying payment management tasks for businesses while also presenting some challenges that may require careful consideration.

Prompt Customer Service: Several users have praised the platform for its exceptional customer service. They have mentioned that the platform's support team is prompt in addressing any queries or concerns, providing timely assistance whenever needed.

Easy Payment Tracking: Many reviewers have highlighted the ease of tracking payment status as a major benefit of using the platform. They appreciate how it allows them to stay updated on payment progress effortlessly, making their financial management more efficient.

Convenient Vendor Payment Requests: Users find it convenient to request vendor payment details directly through the platform. This streamlined process saves time and effort by eliminating the need for manual communication and ensures a smoother transaction experience.

Slow transfer times: Several users have expressed frustration with the slow transfer times for payments in Melio. They feel that the process takes longer than expected, causing delays in paying their vendors and affecting their cash flow.

Lack of integration with accounting platforms: Some reviewers have mentioned that Melio's integration with accounting platforms like QuickBooks Desktop is not as seamless as they would like. They feel that there could be better synchronization between the two systems, which would save them time and reduce manual data entry.

Poor communication and customer service: A number of users have had negative experiences with the communication and customer service from Melio. They describe it as terrible, extremely slow, and lacking responsiveness. This has left them feeling frustrated and unsupported when dealing with issues or errors in the system.

Based on user reviews, here are the most common recommendations for Melio:

  • Users highly recommend using Melio for sending payments. It is considered one of the better options for small businesses and offers an easy-to-use app for payment processing.
  • Many users suggest that Melio is the best tool for paying vendors and receiving money. It is particularly useful for businesses with medium to low volume, providing a clean account receivable and payable platform without added cost.
  • Users recommend taking advantage of the integration between Melio and QuickBooks. Syncing these platforms can streamline payment management and improve efficiency.

Overall, users find Melio to be a great platform for small businesses, freelancers, and those with multiple payments to manage in a month. It is suggested as a payment processor for paying vendors, contractors, and managing vendor payments effectively.

Reviews

(1-11 of 11)
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Jason Foley | TrustRadius Reviewer
Score 2 out of 10
Vetted Review
Verified User
Incentivized
We use Melio to receive payment from a few different vendors. A primary client of ours uses them exclusively, and we tried them to allow for ACH payment. Most of our clients use Quickbooks, so we thought this may work well with the integration. It has been an inconsistent and frustrating transition.
  • Provides an integration for ACH and quickbooks
  • notifies you of pending payments
  • In my experience, payments are delivered inconsistently and late
  • In my experience, customer service cannot answer questions or explain timelines
  • In my experience, Instant Transfer is inconsistent and unreliable. The same client has it on 60% on payments
  • 7-10 days to process a transfer regularly causes late fees for the client
I think Melio is a good enough payment processor if you don't want to pay Quickbooks, but Square does everything better.
Score 1 out of 10
Vetted Review
Verified User
Used for vendor payments.
  • In my experience, poor customer service options
  • In my experience, slow responses
  • In my experience, ZERO communication
  • In my experience, terrible communication
  • In my experience, extremely slow
  • In my experience, no recourse for customers when Melio makes errors
In my experience, they denied my transactions because they said they felt my company was not legit. I contacted support and they told me they can't disclose the reason for the denial, just that something was off. In my experience, they did not communicate ANY requests for additional info and I had to contact support to find any of this out. I sent over every piece of documentation imaginable and in my experience, they said that doesn't help, your account will remain disabled. In my opinion, apparently, this happens with them frequently. In my opinion, AVOID THIS COMPANY!
Ryan Smith | TrustRadius Reviewer
Score 1 out of 10
Vetted Review
Verified User
I believe Melio is a flat out scam. No other way to describe it. From my experience, I sent a payment through Capital One Vendor Payments which is serviced by Melio for the rent on my live work loft and even paid extra to have the check expedited and sent via FedEx. After they claimed they sent the payment I contacted them and asked for the FedEx tracking number so I could know when it arrived, which they took 13 days to look for only to come back and tell me "We cannot locate your check. It might not have been sent so we will refund you for the payment." Crappy, sure but I figured they are a professional business, this must have been an oversight (boy was I wrong). Since the payment was for rent, at this point I had already set up to have them send next months payment and waited for them to issue a refund for the first payment so I could submit it a second time. A few days later they refunded me their fee, but not the value of the check. Another 2 weeks of back and forth and still they hadn't refunded it. Back to the second payment, since my landlord and I share the same address, mine just has a unit number attached to it, I updated the address for the second payment to mine and planned to hand deliver the check when it arrived. Melio said that check would arrive by the 3rd and by the 7th it hadn't shown up, so again asked for the FedEx tracking number, but this time they just ignored me. After being ignored for 2 more days, I then contacted Capital One for help and they initiated disputes on the transactions. Come to find out Melio never mailed either checks. Did they take my money? Yes. Did they provide the services I paid for? No. Did they refund me as they said they would? Nope. Did they cause me to become 2 months late on my rent? Yep. Thankfully Capital One got my money back for me, but for anyone considering using their service, please do yourself a favor and don't. That is unless you like to have others steal your hard earned money. I for one don't.
  • I believe lie to their Customers
  • I believe steal From Their Customers
  • I believe ignore Their Customers
Score 1 out of 10
Vetted Review
Verified User
It was supposed to be used to make paying bills easier. Instead they withhold almost every payment you try to make. Asking for copies of invoices, leases, pretty much whenever you try to pay your bills they will hold it up while they ask you for proof. Which made my payments late and added late fees. I have an accountant, he makes sure I am spending business funds on legitimate business expenses. Melio does [not] need to do this it just chooses to make the life of small business owners even harder. There is no legitimate reason to question every payment made from my business checking account to another business. They will make your payments late. Find another option. One who doesn't feel the need to act as an unneeded and unwanted 2nd accountant.
I found no situation where they completed a transfer as I requested. They delayed every payment asking for an invoice or lease. They are not my accountant. He is the one who verify's my business expenses are legitimate. Melio will meddle with your payments. Hold them needlessly which caused me late fees and unhappy vendors and land lords
September 30, 2022

Melio comes up short

Score 1 out of 10
Vetted Review
Verified User
I used Melio to set up one recurring rent payment for my company Diversity Crew. After the rent was no longer needed, I canceled the recurring payment, yet it continued to occur after the last rent payment on 08/01/22. I contacted Melio in August and September regarding this issue and they told me it was resolved- they even walked me through canceling the recurring payment again. Today 09/28 another rent payment for 10/01 was generated, even though my recurring payments were blank. I have little to no confidence in this software and asked that my account be deleted. I will not be using it to serve this company or other clients. Sad that it couldn't work for one simple recurring payment.
I don't recommend this for recurring payments.
Jennifer Remnet | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
Incentivized
I've been using Melio over the past year for monthly recurring ACH transactions with my clients. The free ACH transfer feature has been a money saver for my company. Merchant fees with other providers definitely added up, so it's nice to be able to save a little here and there by using Melio for this purpose.
  • Great customer service.
  • Ability to use credit card.
  • Free ACH transfers.
  • Faster transfer time would be a bonus.
Melio is a business-to-business service, so it has been helpful in serving our business clients. Unfortunately, we are not able to use it, for nonbusiness clients, at this time.
May 15, 2022

Melio is awesome

Crystal Meadors | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
Incentivized
I use Melio on a daily basis to process payments to vendors for my own firm and to manage accounts payable for my clients. Melio makes accounts payable management easy. The platform is easy and intuitive for beginner use and information about payment and vendor status is easy to understand and navigate.
  • Makes it easy to track the status of payments.
  • Makes it easy to request vendor payment details.
  • Integrates well with QBO to make AP management simple.
  • I would like to be able to find the Melio payment ID attached to the payment in QB.
  • Batch processing in QBO causes some important information not to be transferred to the payment.
Melio is well suited for accountants or bookkeepers who process accounts payable for their clients as it integrates well with QBO, is cost-efficient, and easy to use. Whether you process a few or several invoices per day, Melio makes the process very simple to carry out and follow to the end (deposit).
Stephanie Mack | TrustRadius Reviewer
Score 3 out of 10
Vetted Review
Verified User
Incentivized
We help clients set up different Accounts Payable apps primarily via ACH. Melio & Veem are our 2 top apps used. Although recently, Melio stopped working for our clients. We reached out to Melio & they told us Melio is currently not supported in our state! What a joke. Is this something that is going to get fixed? Now we have to help all these clients select a different ACH bill payment system. Not fun.
  • Offers payment direct via the QuickBooks Online platform.
  • Sends ACH or Paper bill payment
  • Offers basic bill approvals
  • Offering service in all states & not suddenly dropping a state for overall payments.
  • Paying more than one bill at a time.
  • Having varied approval process, not just by amount. Vendor based approvals.
Kowing how to fix check returns or voids is a problem for clients. They constantly need help.
August 20, 2021

Melio at a glance

Katherine Moore Chess | TrustRadius Reviewer
Score 9 out of 10
Vetted Review
Verified User
Incentivized
We started using Melio last year during the pandemic when mail was falling behind and I needed to pay vendors promptly. Once we started using it for that main vendor that we pay the most, I started implementing it to pay other vendors as well. It is used by me exclusively across the whole organization. It addressed the need to get payments to vendors in a timely manner.
  • Syncing QB to Melio for seamless payments
  • Excellent customer service that are prompt at answers any questions that arise
  • Making workflow easier
  • 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.
Overall, Melio has been a great feature to us to pay invoices. There are times when I think the customer service is a bit lacking particularly in regards t the amount of turnover there has been. I have had like 4 different account reps and I find that to be a lot of turnover for the short amount of time that we've been using the service. But it does what I need it to do and it's convenient to be able to pay vendors this way.
Score 10 out of 10
Vetted Review
Verified User
Incentivized
Melio is used to pay all our vendors. It streamlines the process of onboarding new vendors (a common thing in our industry) and allowing for them to enter their correct payment details. Less room for error and less time chasing vendors for their account details to set-up convenient ACH transactions to all of them, no matter what Bank they are with, whether they use Zelle or not etc.
  • Convenience
  • Compatibility with other apps (QuickBooks)
  • Great Customer Service
  • Constantly improving, open to hear customer feedback for new features
  • Feature add: looking forward to seeing the ability to forward an email with a vendor invoice to a specific internal address that automatically uploads invoice into Melio system.
Melio seems very suitable for smaller organizations that don't have big accounting departments
Score 9 out of 10
Vetted Review
Verified User
Incentivized
Melio is being used by our accounting and finance department. The business problem it addresses is writing and issuing checks to our vendors. Previously, we used Bill Pay from Chase in combination with ACH and Wire transfers; however, Chase stops providing the Bill Pay functionality. Since the majority of our employees work remotely, it also helps in that I get an email notification when I need to authorize a check. In the past, people would have to come into my office for signatures or we would have to add them as a signer on the bank account.
  • It is a low cost application
  • Very easy to process payments and significantly more efficient than its competitors
  • Very easy to add users and teach them how to use the platform
  • When a check isn't deposited, it stays in the system until a Melio rep reaches out to you.
  • I would like to see greater integration with accounting platforms such as QuickBooks desktop.
  • While bank accounts can be added relatively easily, it would help if you could change the name of the bank account rather than just the account number.
Melio is extremely well suited for companies that are writing checks on a day-to-day basis. It is also well suited for companies that have multiple employees working from home. It may not be as well suited for companies that are issuing very large checks and need to do a better job of managing their account payables.
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