Melio
What it is
Melio is a business bill pay and invoicing platform covering accounts payable, accounts receivable, and payment processing. It captures bills through OCR scanning or a dedicated email address, supports approval workflows, and syncs payments with QuickBooks, Xero, or NetSuite. Businesses can make one-time, recurring, and batch payments by ACH, card, instant transfer, paper check, and other methods. International vendor payments can be sent in USD or local currencies, and vendors do not need a Melio account to be paid. Teams can assign roles such as viewer, approver, and admin. The mobile app supports reviewing, approving, paying, and managing payables and receivables. Agent Mel answers questions about bills, vendors, and payments. Melio also supports W-9 collection and review, with Tax1099 e-filing sync for 1099 workflows. Go is free for one user and includes five ACH payments per month; each additional ACH payment costs $0.50. The first 90 days are offered at no cost, after which accounts without a paid subscription convert to the limited Go plan.
For and against
For
- Captures bills through OCR or a dedicated email address.
- Supports recurring and batch payments.
- Syncs with QuickBooks, Xero, or NetSuite.
- Vendors can be paid without creating an account.
- Mobile app supports payables and receivables management.
Against
- Go is limited to one user.
- Go includes five free ACH payments per month.
- Each ACH payment after the allowance costs $0.50.
- Premium-feature access ends after the trial without a paid plan.
The verdict
Melio brings bill capture, approvals, payment execution, and accounting sync together, with mobile access and vendor payments that do not require vendor accounts. Check the Go plan’s user and ACH limits, and note that the 90-day offer converts to Go without a paid subscription.
Who it suits
Melio is aimed at US businesses, including small, midsize, multi-entity, and high-volume businesses. It may suit teams moving from spreadsheets or paper-based bill payment to digital workflows.
Plans and prices
Go
5 free ACH/month · $0.50 per ACH after free monthly payments · pay by ACH, wire, check, or card · AI bill capture
Read 28 Sep 2026 · melio.com
Core
20 free ACH/month · QuickBooks Online and Xero sync · batch payments · custom approval workflows
Read 28 Sep 2026 · melio.com
Boost
50 free ACH/month · advanced user roles · QuickBooks Desktop sync · premium phone support
Read 28 Sep 2026 · melio.com
Unlimited
Unlimited free ACH · unlimited user seats · NetSuite sync · premium phone support
Read 28 Sep 2026 · melio.com
Platinum
Custom transaction fees · preferred card fees · priority payment processing · faster settlement times
Read 28 Sep 2026 · melio.com
Free trial offer
Read 27 Sep 2026 · melio.com
On the record
- Accounting integrations
- Melio integrates with QuickBooks Online, QuickBooks Desktop, Xero, and NetSuite, with payments syncing to accounting software after transactions.melio.com · read 28 Sep 2026
- Accounting sync
- Payments sync automatically with QuickBooks, Xero, or NetSuite.melio.com · read 27 Sep 2026
- AP automation
- Automates accounts payable workflows from bill capture through accounting synchronization.melio.com · read 27 Sep 2026
- AI assistant
- Agent Mel answers questions about bills, vendors, and payments.melio.com · read 27 Sep 2026
- AP automation
- Melio automates invoice capture, approval routing, payment processing, and recording in an end-to-end accounts-payable workflow.melio.com · read 28 Sep 2026
- Approval workflows
- Supports multi-level approvals based on team members, roles, payment amounts, and vendors.melio.com · read 27 Sep 2026
- Bill capture
- Captures bills through automated OCR scanning or email to a dedicated address.melio.com · read 27 Sep 2026
- Business segments
- Melio lists small businesses, midsize businesses, multi-entity businesses, and high-volume businesses.melio.com · read 27 Sep 2026
- Card-data handling
- Melio says it does not store, process, or transfer sensitive card information and uses a third-party processor certified PCI Level 1 compliant.melio.com · read 28 Sep 2026
- Company scale
- Melio says it processes tens of billions of dollars in payments every year for hundreds of thousands of US businesses and their vendors, plus thousands of accounting firms.melio.com · read 28 Sep 2026
- Customer support
- The pricing page lists live chat support, dedicated email support, priority support, and premium phone support as plan-dependent support options.melio.com · read 28 Sep 2026
- Free offer
- The special offer provides access to everything for the first 90 days at no cost.melio.com · read 27 Sep 2026
- Free-plan limits
- The Go plan includes five free ACH payments per month, is limited to one user, and charges $0.50 for each ACH payment after the free monthly allowance.melio.com · read 28 Sep 2026
- International payments
- Melio supports payments to vendors in eligible countries in USD or select foreign currencies; its official information page says it supports 80 countries and 15 currencies.melio.com · read 28 Sep 2026
- Invoice capture
- aimelio.com · read 20 Sep 2026
- Mobile app
- The Melio mobile app lets users review and approve bills, create invoices, track payment status, import bills, and use biometric login from a phone.melio.com · read 28 Sep 2026
- Time saved
- Melio says businesses save over 15 hours of manual work each month on average.melio.com · read 27 Sep 2026
- Multi-entity support
- Yesmelio.com · read 20 Sep 2026
