Melio is a fintech platform designed for small businesses to streamline B2B payments and receivables, launched in 2018 by Melio Payments Inc. Headquartered in New York, with offices in Denver and Tel Aviv, it serves businesses globally with a team of over 600. Accessible via meliopayments.com and mobile apps (iOS, Android), Melio offers free ACH transfers and integrates with QuickBooks for seamless accounting. It supports payments via ACH, credit/debit cards (2.9% fee), and checks, even for vendors not on the platform. Melio’s mission is to enhance cash flow and simplify payment workflows, allowing businesses to focus on growth. It powers bill pay for major brands and was named to the 2024 Forbes Fintech 50 and CNBC’s top 250 fintech companies. Security features include PCI Level 1 certification, multi-factor authentication, and 24/7 monitoring. Melio supports international payments to over 80 countries, though only in USD. A promotional offer provides a $300 gift card for international payments over $1,000 by May 31, 2025. The platform’s intuitive design and robust support make it a reliable choice for small businesses.

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Pricing plans

Introduce pricing plans

Simple, transparent pricing that grows with you. Try any plan free for 30 days.

GO

USD 0.00 /Month

USD0.00

Perfect for your business requirements and platform usage.

BOOK A DEMO
WHAT YOU WILL GET
  • Amplify cash flow Centralize payments and pay & get paid any way you want.
  • Send 5 free ACH transfers/month
  • 10 syncs with QuickBooks Online & Xero
  • Multiple payment methods Pay by card or bank send check ACH or instant transfer.
  • Easy bill adding: Upload scan or import bills
  • Dedicated email for auto bill capture
  • Global payments in USD or local currencies
  • Recurring & partial payments
  • instant payments
  • Free mobile app (iOS & Android)
  • Get paid: Accept payments via custom links

Core

USD 3.00 /Price per Month for 3 months

USD0.00

Perfect for your business requirements and platform usage.

BOOK A DEMO
WHAT YOU WILL GET
  • Enjoy more control & efficiency with automated workflows and 2-way sync.
  • Send 20 free ACH transfers/month
  • Unlimited 2-way auto-sync with QuickBooks Online & Xero
  • Batch-pay multiple bills at once
  • Combine payments into one transaction
  • Roles permissions and user management
  • Automated approval workflows
  • W-9 collection & auto 1099 sync
  • Automatic capturing of bill line items
  • Priority support

Boost

USD 6.00 /Price per Month for 3 months

USD0.00

Perfect for your business requirements and platform usage.

BOOK A DEMO
WHAT YOU WILL GET
  • Access priority support Faster payment options and customized controls.
  • Send 50 free ACH transfers/month
  • 2-day ACH transfer eligibility
  • Advanced multi-user approval workflows
  • 2-way auto-sync with QuickBooks Desktop
  • Advanced bill attributes (classes & locations)
  • Premium phone support

Unlimited

USD 8.00 /Price per Month for 3 months

USD0.00

Perfect for your business requirements and platform usage.

BOOK A DEMO
WHAT YOU WILL GET
  • Unlimited free ACH/month
  • Pay by ACH wire or check
  • Fast Instant payments
  • Set auto-pay
  • Unlimited user seats
  • Dedicated account manager
  • White-glove onboarding
  • Create invoices
  • Get paid by card or bank
  • Create payment links
  • Create branded invoices

Platinum - Customize

USD 0.00 /Year

USD0.00

Perfect for your business requirements and platform usage.

BOOK A DEMO
WHAT YOU WILL GET
  • Preferred pricing and terms

Who uses Melio

Personal
Personal
StartUps
StartUps
SMEs
SMEs
Agencies
Agencies

Company Details

  • Company Name: Melio
  • Headquarter: NYC, New York United States
  • Website: Visit Website

Melio Description

Melio, founded in 2018 by Matan Bar, Ilan Atias, and Ziv Paz, is a B2B payment platform tailored for small businesses, headquartered in New York with a global presence. Accessible via meliopayments.com and mobile apps for iOS and Android, it simplifies accounts payable and receivable, enabling businesses to pay vendors via ACH bank transfers (free), credit/debit cards (2.9% fee), or checks, even if vendors don’t use Melio. Its seamless integration with QuickBooks automates payment reconciliation, reducing manual errors. Melio supports international payments to over 80 countries, though limited to USD, with competitive exchange rates and transparent fees. The platform’s mobile app allows users to scan invoices, approve payments, and track transactions on the go, enhancing flexibility. Security is a priority, with PCI Level 1 certification, multi-factor authentication, and 24/7 monitoring ensuring safe transactions. Melio’s user-friendly interface and automation features, like bill capture and recurring payments, save up to 50% of bill pay time, per user reviews. Recognized in the 2024 Forbes Fintech 50, Melio powers payment solutions for major brands and supports tax compliance with W-9 collection and Tax1099 sync. Despite positive feedback (4.2/5 on Trustpilot), some users report slow payment delivery. A $300 gift card offer for international payments over $1,000 by May 31, 2025, adds appeal. Melio’s focus on cash flow optimization and simplicity makes it a vital tool for small businesses.

Key Features & Specifications

Key Features:

  • Flexible Payment Options: Pay via ACH (free), credit/debit card (2.9% fee), or check; vendors don’t need a Melio account.

  • Mobile App: Scan invoices, approve payments, and track transactions on iOS/Android.

  • Accounting Integration: Syncs with QuickBooks for automated reconciliation.

  • International Payments: Supports payments to 80+ countries in USD with transparent fees.

  • Security: PCI Level 1 certified, with multi-factor authentication and 24/7 monitoring.

  • Automation: Auto-bill capture, recurring payments, and W-9 collection streamline workflows.

  • Payment Tracking: Monitor payment status (sent, pending, paid) in real-time.

  • Tax Support: Syncs with Tax1099 for 1099 e-filing.

  • Custom Invoices: Add branding and payment links to invoices.


Key Features & Specifications

  • Invoice Payment
  • Recurring Billing
  • Accounts Receivable
  • Accounts Payable
  • Accounting Features
  • Invoice
  • Customizable Invoices
  • Invoice History
  • Online Payments
  • Project Billing
  • Invoice History
  • Recurring invoice
  • Financial Accounting
  • Accounting
  • Payment Handling
  • ACH Payment Processing
  • Automatic Billing

Melio Video

Keka HR Payroll Platform Screenshots

User Reviews

WRITE A REVIEW
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I have no clue why they would reject payment request, requested by freelance artist but they do. Please do not waste your time if you are not a legit business. Go to PayPal.

- Dude T.

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Melio Payments should be avoided at all costs.Melio will tell you they are transferring your money to your account, then they will make up some reason it didn't arrive in your account, and then they will return the money to your client.Melio is a waste of time, money, & effortThey won't be in business long.Choose literally ANY other company.

- David

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They didn’t offer an intro promo and they don’t offer any kind of promotions to encourage additional use age. I use other payment providers as a result when I can do more business with Melio.

- Review

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I am a established business. I tried Melio for the first time sending an invoice to my web store business client and they failed to take payment stating some bs risk for 40$ ??????. If you are a business don’t use Melio use a more conventional means of payment. On top of that they claim to work with businesses but theirs literally no where on the site to verify your business information with them and calling only sends you to a voicemail. If you value your time don’t use Melio the website seems like it’s easy but it’s not. All of their verifications are done without the business involved very stupid. I would suggest stripe, plastiq, or PayPal!

- sseincorporated

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Took all my financial data, then wouldn’t process my payment. Phone service didn’t answer for three days. Email support finally answered with some bs about their compliance department. Now my financial data, credit card numbers, and a login password for them is in their hands. Who has my data? Very shady practice, and multiple reviews just like this.EDIT: I was sent a confirmation email that my data was deleted by your agent. Upon login, I still see all the information I provided. Also, I verified all my business data, including ssn, and tax ID. I would like to use your service, but it seems as if you pick and choose who you allow to use the service.

- Chris Satterwhite

Keka HR Payroll Platform Key Clients

Frequently asked questions

Everything you need to know about discovering, comparing, and choosing the right AI software for your business.

Melio has 5 plans,

  • GO USD 0.00 Month
  • Core USD 3.00 Price per Month for 3 months
  • Boost USD 6.00 Price per Month for 3 months
  • Unlimited USD 8.00 Price per Month for 3 months
  • Platinum - Customize USD 0.00 Year

Melio is the Accounts Payable Automation Software used for the below functionalities.

Top 5 Melio features

  • Invoice Payment
  • Recurring Billing
  • Accounts Receivable
  • Accounts Payable
  • Accounting Features

Melio provides Phone,Email,Live Chat support.

Melio is allowed 30 Days Free Trial.

Melio provides Help Guides,Video Guides,Blogs for the software training.

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