Melio review

Melio is a business payments platform for paying bills, collecting invoice payments and managing accounts payable. Businesses can pay vendors by bank transfer or card, including vendors that do not accept cards directly. Melio can send international payments, with exchange rates and fees shown for local-currency payments.

For AP, the service captures bill details from uploaded documents, email sync or manual entry. Teams can set payment approvals and user permissions, then sync payment data with supported accounting software. Melio also supports creating invoices and payment links, tracking collections and automating collection processes.

That puts it across both payables and receivables rather than in the narrow category of a bill-payment tool. The practical fit depends on how many payments you make, which accounting system you use and whether Melio’s payment fees and processing times work for your vendors.

Melio’s main appeal is combining vendor payments, invoice collections and AP workflows in one service. A business can pay a vendor by card even if that vendor does not take cards, or use a bank transfer. Bill capture, approval workflows and accounting sync can also reduce the number of steps between receiving a bill and recording its payment.

• The free Go plan includes one user, free AR and invoicing, up to 10 QuickBooks or Xero syncs, and five free ACH payments per month. Extra ACH payments cost $0.50 each.
• Core is listed at $25 monthly or $20 per month with annual billing. It includes 20 free ACH payments monthly, QuickBooks Online and Xero sync, batch payments and custom approval workflows.
• Boost costs $55 monthly or $44 per month billed annually, with 50 free ACH payments, QuickBooks Desktop sync, advanced user roles and vendor credits.

The pricing page lists 90 days free on paid plans. A Reddit commenter says Melio integrates with QuickBooks Online, while another describes using it for vendors that still require paper checks. Those are individual reports, not guarantees about every workflow.

The headline plan price does not cover every payment. Go, Core and Boost include five, 20 and 50 free ACH payments per month; each additional ACH costs $0.50. Other bank-funded options include $1.50 for a check, $10 for a wire and $20 for a fast check. Card-funded payments can cost 2.9%, with additional charges for some delivery methods. Global payments add their own fees: global ACH is $20 for USD, while fast USD costs 1% with a $30 minimum and $95 maximum.

There are also cautionary user reports about timing. In one small-business Reddit thread, commenters describe delayed payments and late vendor fees; another says vendor account-crediting problems required time on the phone. These are anecdotes, not a measure of typical performance, but payment timing matters when a bill has a due date. A separate QuickBooks Enterprise discussion describes a business routing vendors with early-pay discounts outside Melio. The published materials do not establish that this is a universal limitation, so businesses relying on discount-date workflows should confirm the fit before switching.

Melio has a free Go plan and four paid tiers. Go is $0, with one user and five free ACH payments a month; each extra ACH payment costs $0.50. Core is $25 month to month or $20 per month billed annually. Boost jumps to $55 monthly or $44 annually, while Unlimited costs $80 or $64. Paid plans come with 90 days free, according to the published pricing details.

The tier jump buys more than extra ACH: Core includes 20 free ACH payments and QuickBooks Online or Xero sync; Boost adds 50 free ACH payments and QuickBooks Desktop sync; Unlimited includes unlimited ACH, users and NetSuite sync. Core and Boost charge extra for users: $10 monthly each, or $8 with annual billing. Platinum pricing is custom for businesses processing over $300,000 monthly.

Watch transaction fees. Card-funded payments generally cost 2.9%, with extra charges for some delivery options. International payment fees vary by method and currency. The advertised plan price is not the whole bill.

The published materials describe QuickBooks and Xero sync on Go and Core, QuickBooks Desktop sync on Boost, and NetSuite sync on Unlimited. They do not explain how to migrate bills, vendors, approval rules or historical payment records, or whether those records can be exported. We would confirm migration and export options with Melio before moving a live payables workflow; the details are not published here.

Switching out deserves the same check. Accounting sync may help keep payment data connected, but the materials do not say what happens to records or integrations after cancellation. The review brief flags fees and payment reliability reports as reasons for caution, but includes no Reddit posts or comments to verify what users say prompted them to leave. So we can’t attribute a specific churn pattern to Reddit. Before switching, compare your payment methods and settlement needs with Melio’s fees, and ask about data access and transfer terms directly.