✓ Use when
For small businesses wanting to eliminate check writing and accept online payments without merchant accounts.
✗ Avoid when
For companies needing approval workflows or enterprise features (use Bill.com).
What is Melio?
Melio enables small businesses to pay bills and get paid online, even when vendors don't accept cards. Free for ACH, simple interface.
Key features
✓Pay any vendor by check or ACH
✓Accept online payments
✓Credit card payment option
✓Scheduled payments
✓Accounting sync
✓Mobile app
Integrations
QuickBooksXero
Third-party ratings
G2
4.6· 567 reviews
Capterra
4.7· 432 reviews
💰 Real-world pricing
What people actually pay
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User Reviews
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