--- title: "Melio Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Melio the right Accounts Receivable solution for you? Explore 407 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/184673/Melio/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-19" --- Melio 4.2 (407) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 19th, 2026 # Reviews of Melio Ease of use 4.4 Customer Service 4.0 ## Pros and Cons in Reviews KL Kate L SalesMachinery, 11 - 50 employeesUsed the software for: 6-12 months. “The interface is straightforward, and the accounting software integrations save time. Although processing times and some transaction fees could be improved, Melio has been a reliable tool for simplifying payment management.“ August 4, 2026 BK Bridgette K ownerRetail, 2 - 10 employeesUsed the software for: 6-12 months. “I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal review.“ November 10, 2025 KS Krzysiek S managerTranslation and Localization, 2 - 10 employeesUsed the software for: I used a free trial. “It is a useful solution for managing invoices, sending payments, and keeping vendor payments better organized.“ June 22, 2026 JM Julie M OwnerReal Estate, 2 - 10 employeesUsed the software for: Less than 6 months. “oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was incomplete!) “ November 19, 2024 KM Katsia M DirectorInformation Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “It is also a relief that users are able to review and approve items within Melio so I do not have to send follow-up approval requests.“ June 29, 2026 JM Julie M OwnerReal Estate, 2 - 10 employeesUsed the software for: Less than 6 months. “I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface...“ November 19, 2024 LC Lin C CEOConsumer Goods, 2 - 10 employeesUsed the software for: More than 2 years. “We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable.“ January 5, 2026 KW Kimb W OwnerDesign, Self-employedUsed the software for: 1-2 years. “There is a chance of card payments to result in significant fees if you use the service frequently“ March 16, 2025 ## Showing most helpful reviews Showing 1-25 of 407 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use R Reviewer Admin Used the software for: Less than 1 year ### "Great for accounts receivable " October 30, 2026 5.0 Pros Its been very easy to use when it comes to invoicing customers, managing invoice payments and when they should be due. Cons I haven't run into that I don't like about melio yet, we have had pretty great experience using it so far for billing and paying invoices. Review Source Jonah S. Director of Sales Used the software for: Less than 1 year ### "Melio makes it very easy to pay your vendor bills compared to trying to track down someone." October 22, 2026 5.0 We used to send invoices via email and require approval from supervisors etc. Most often the documents would get lost or paid prior to completion of the work. With Melio all communications regarding the invoice are tied to the document itself and therefore both parties see all approvals. Also, I can reject an invoice if there was an error by the contractor. Pros I love how fast I can pull up an invoice with either a PO # or a store number. The worst part of my job is usually searching through emails looking for old invoices at home after work. Scheduling future payments allows me to simply "forget" them until they come due; as well, melio's flagging of duplicate transactions has already saved us money a few different times where one person submitted two receipts. Cons When i try to expand an invoice via my cell phone screen, the entire screen does not expand to allow me to see the full details of the invoice. This causes me to spend an excessive amount of time scrolling to locate simple information such as date and/or VIN numbers. Review Source R Reviewer DMM Used the software for: 1-3 years ### "A good solution for businesses who needs a flexible invoicing" September 21, 2026 4.0 Melio is good and I love how they are working on more feature over time and try to improve. I use it in some markets and it's very helpful Pros Melio is easy to use and solove many problems we face when paying. It's dashboard is very helpful and easy to navigate. Cons Melio is generally good but it's limited and you don't feel it like an international solution. I always feel like it's missing something. Review Source KL Kate L. Sales Used the software for: Less than 1 year ### "Great Solution for Business Payments" August 5, 2026 5.0 Overall, my experience with Melio has been positive. It provides an easy and efficient way to manage business payments, schedule vendor payments, and keep accounts payable organized. The interface is straightforward, and the accounting software integrations save time. Although processing times and some transaction fees could be improved, Melio has been a reliable tool for simplifying payment management. Pros What I liked most about Melio is how simple it makes paying vendors and managing business payments. The platform is easy to navigate, allows payments by bank transfer or credit card, and helps streamline accounts payable. Scheduling payments, tracking payment status, and syncing with accounting software make it an efficient solution for small businesses. Cons One drawback of Melio is that some payments can take longer to process than expected, especially standard bank transfers. The platform also has limited international payment options, and certain features, such as paying by credit card, come with additional fees that can add up over time. Review Source R Reviewer Director Used the software for: 3-5 years ### "Now, Melio makes those payments automatically (no crashes)" July 1, 2026 5.0 No longer do we have paper cluttered all over the physical office desk space. I figured moving the vendor documentation to one single platform would result in losing half our hard copies; however, surprisingly enough, they were saved. It is also a relief that users are able to review and approve items within Melio so I do not have to send follow-up approval requests. Less email approvals is always good. Pros I am finally done with waiting on invoices to be processed. I was actually surprised that the entire network didn't crash when it finished syncing. Melio has learned what my coding style looks like. Whoopie. Cons When I go back into Melio and click on the back button to find a specific vendor, sometimes I get sent straight to the New Invoices page instead of where I left off. Ugh. And then you have your "custom colors" in Melio. When you type in the date field, the whole system will freeze as if it is processing something...for about 2 seconds...before you can continue. Review Source R Reviewer manager Used the software for: I used a free trial ### "Useful and convenient payment tool for small business needs" June 23, 2026 5.0 Overall, my experience with Melio has been positive. It is a useful solution for managing invoices, sending payments, and keeping vendor payments better organized. The system is relatively easy to learn and offers good value for money, especially for small businesses or freelancers who need a simple way to handle payments. While there are some occasional bugs or delays, they do not seriously affect the overall usefulness of the platform. I would recommend Melio to users who need a practical and convenient payment management tool. Pros What I liked most about Melio is that it makes invoice management and vendor payments much easier to organize in one place. The platform is fairly intuitive, so the learning curve is not steep, even for someone who does not want to spend too much time figuring out a new financial tool. I also appreciate the flexibility in payment methods and the fact that it can help streamline money transfers and payments to vendors. Cons What I liked least is that some parts of the process could still be smoother, especially when dealing with occasional delays, verification steps, or minor interface issues. Customer support is generally helpful, but response times could be faster when the issue is urgent. There is also some room for improvement in making fees and processing times even clearer before confirming a payment. Review Source R Reviewer Chief Financial Officer Used the software for: 3-5 years ### "Finally, I'm able to pay all my bills" May 21, 2026 5.0 It Tracks the status of payments in one location. Also, since there are multiple tabs for each company (for example) - no problem. Credit Card features...meh...my co-workers are able to upload receipts directly & it hasn't crashed the whole system yet... Pros I've been pleasantly surprised at how well this automated Invoice Scanning system works reading the text correctly for the most part. Usually, Vendor Categories are messed up by these AI systems. The scan has synced ok with QuickBooks. Cons Screen froze me out completely yesterday while trying to log in via my cell phone (from the break room) after eating a stale bagel and said my password was incorrect when I knew it wasn't. Just because it was a new devise. International wire transfers take forever. Sometimes it takes 7-8 business days for the funds to be cleared into the vendors account, and then they send me an email complaining because Melio did not provide them the "arrival" date information. Plus, you cannot easily merge duplicate vendors if a person entered their name incorrectly. Review Source Lin C. CEO Used the software for: 3-5 years ### "Easy-to-Use Payment Platform" March 2, 2026 5.0 Overall, my experience with Melio has been positive. The learning curve was very low, and it provided good value for money for our needs. We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable. Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues. Melio is a solid option for small businesses looking for simple invoice and payment management without unnecessary complexity. Pros Melio is very easy to use with a minimal learning curve. The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup. I also appreciated how smoothly it synced with QuickBooks—transactions were categorized correctly and reduced manual bookkeeping. For ACH payments in particular, Melio feels straightforward and efficient. Cons While Melio works well for basic ACH payments, it can feel limited for more complex transaction management or advanced invoice workflows. Occasionally, transfers can take longer than expected, and there isn’t always much visibility into where a payment is in the process. Some additional reporting or customization options would be helpful. Review Source R Reviewer Social Media Manager Used the software for: Less than 1 year ### "Simple payment processing manager" January 13, 2026 5.0 Pros It is a real pal when you are launching a business. You can send an invoice to clients and they pay how they want. No hidden service fees, you will receive 100% in your bank account. Cons The credit card fee is standard, but some clients don't want to pay extra fees when they are paying a small invoice. So it is better for consequent payments. Review Source R Reviewer Real estate investor Used the software for: Less than 1 year ### "Simple, Reliable, and Perfect for My Real Estate Business" November 26, 2025 5.0 Being able to send payments by bank transfer or credit card gives me the flexibility I need depending on my cash flow, especially during busy months with listings and closings. I also like that Melio keeps everything organized, so I never miss a payment and all my vendors receive their funds on time. Melio has become an essential tool for my business. Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments. Pros For my type of business, where I work with different service providers and need quick, reliable payments, Melio has been a great tool. I definitely recommend it to other real estate agents or small businesses looking to simplify their payables. Pros: •Very easy to use •Flexible payment options (ACH or credit card) •Great for managing multiple vendors •Keeps payments organized and on time Cons I honestly haven’t experienced any real cons so far. Everything has worked smoothly for my needs. The only ‘con’ is that I wish I had started using it earlier, it really simplified my payments. Review Source merroudj N. freelancer Used the software for: 1-3 years ### "fast and easy payment processing" September 27, 2022 5.0 At this point in the Melio Payments review, I can honestly say that it's worthwhile to try, particularly given that it's free. For freelancers, accountants, and small enterprises, it's a fantastic financial solution. The latter group may automate their bills or payments and handle all of their customers from a single platform. Pros A very tidy, straightforward, but effective tool for paying bills and invoices, Payment processing, is quite simple compared to its rivals; it is substantially more productive. This product's flawless integration with our accounting software is why we chose it. Additionally, it eliminates the inconvenience of printing and sending paper checks. Recipient changes of the payment method selected are seamless Cons Improved phone customer service is something I would like to see no other recommendations now. Vendors are added with their Melio links, and those vendors currently in QuickBooks should automatically connect. Now, when you do that, a new vendor is formed and is not connected to the one that presently exists in QuickBooks. Wishlist: It would be nice if there were an option to send international wire transfers in different currencies. If it is wholly linked with Wave Invoicing, it would be fantastic and allow a free connected workflow. Review Source VR Verified Reviewer Member Used the software for: 1-3 years ### "Great for small businesses that want to keep track of contractors" January 4, 2023 5.0 I can pay contractors, keep track of their invoices easily, and also keep track of their total annual payments for my tax purposes much easier. Pros It's made my life easier keeping track of each contractor and how much I've paid them over the year making taxes less of a hassle. Cons I'd love to see Melio function with Quicken. I'd like more customization for my own branding with creating and how clients see and receive invoices, giving me logos, names, and branding color options. Review Source R Reviewer Owner Used the software for: 1-3 years ### "BEWARE+STAY AWAY+SCAM" April 25, 2025 1.0 Was decent at first, then went bad. downhill fast. Seems like Melio is having funding and financial problems. They will hold your money for long periods of time. BEWARE...!!! Pros Not much, I don't know. Let me see...? Hmmm...! Ummm,,,! Nothing! Cons Stay away from this company. They don't have a phone number. They double charged me fees.Also- my customers can't pay on the website for some reason? Review Source Verified Reviewer Founder Used the software for: Less than 1 year ### "A simple ach solution " April 5, 2022 5.0 It’s a really positive experience. I use it and recommend it. Pros The ease of use is what I like best about melio. It took no time to setup the account, connect it to my bank and get going. It’s allows you to pay vendors and collect their Banking info in one place. That’s my favorite part. Cons My least favorite part is that it doesn’t appear to create 1099 from the platform though it’s listed in the features. If you can, it’s really tough to find so simplifying that would be helpful. Review Source Verified Reviewer Founder & CEO Used the software for: Less than 1 year ### "Melio is the amazing payment solution to get started." April 7, 2022 5.0 It's overall a great experience with the Melio Payments. Pros Melio is the great payment solution for the invoicing and billing for any business to get started. Cons This is the great product with overall nice experience. We are the certified partner with Melio too, and helping other businesses as well to choose the right solution for the payments and billing. Review Source Greg C. Founder Used the software for: 1-3 years ### "Many other better solutions" May 3, 2023 3.0 Pros The user interface is basic, but that's actually a good thing in this case Cons dispute resolution was atrocious - still unresolved over nearly 6 months Review Source R Reviewer Content Creator Used the software for: 1-3 years ### "The best in the software market" October 13, 2025 5.0 Pros I like how seamless it makes handling payments, saves time, keeps everything in one place and allows payments without the usual hassles. Cons There's nothing to complain about Melio, it feels effortless to manage business finances. Overall, it’s been a smooth and reliable experience. Review Source bridgette K. owner Used the software for: Less than 1 year ### "Great software, if the payment is successful. " November 11, 2025 4.0 Pros The software is straight forward and does not require much of a learning curve. The customer support is quick to respond, usually within 20 minutes via the chat support. I chose this software to assist with money transfer and the managing of invoices. I do not recall any fees or charges associated with the software. Set up took all of about thirty minutes, if that. Cons I wanted to love this software, but was unfortunately unable to truly experience its benefits. I have been in business over ten years and have used multiple invoice software companies with no issues. What attracted me the most to Melio was same day and next day ACH transfer. This never happened. I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal review. The software has great promise, but not much follow through. Review Source KK Kara K. Accountant Used the software for: 1-3 years ### "Hands down my favorite AP software" May 12, 2025 5.0 Pros Melio is very user-friendly and has great integration with QuickBooks Cons I'm not a fan of the recent move to a subscription-based service, but the value provided is still the best on the market for the price point. Review Source R Reviewer Owner Used the software for: Less than 1 year ### "Helps paying bills" October 9, 2025 5.0 Pros The thing I liked about Melio is that it is free of subscription payments and free to register. With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single payment. Cons Because I have not been extensively using it, I realized that it does not have enough integrations. Neither does it offer native invoice creation and sending capabilities, as QuickBooks does. Review Source Andrew H. Accountant Used the software for: 1-3 years ### "Best Software For Any Business" November 9, 2022 5.0 Amazing! Pros It is very intuitive, and the integration with QBO makes AP and AR processes efficient and automated. All that with a low price makes this a win win for any business. Cons I would like to see more integration with other accounting software platforms like QB Desktop, Xero and SAP. Review Source Dana Z. Owner Used the software for: 1-3 years ### "Great option, cheaper than Bill" June 16, 2025 4.0 Pros Easy to use, software is modern and clean looking and the payment delivery dates are clear when you pick your options. Cons The fee structure can be a bit confusing when you are getting started. Some payments don't have a fee though which is lovely. Review Source R Reviewer Owner Used the software for: Less than 1 year ### "Great for Small Businesses. " April 14, 2025 5.0 Great experience overall, great support and pricing. Pros I really like the simple navigation and that it does the tasks it claims well Cons My only issue is that card payments aren't sent on weekends. Review Source EL Elizabeth L. professional accountant Used the software for: 1-3 years ### "Simple way to make payments" December 9, 2024 4.0 It makes the whole process of paying bills easier and spending hours entering data. It is quite useful for making online payments very quickly. Pros We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner. Previously, bill payments were made one by one and this took hours due to the complexity of entering data. Now I only have to upload the bills and Melio does everything for me. I like it because it does the boring work of entering data. Cons I don't think anything went wrong. The only thing I would change is the customer service because they don't provide fast service. Review Source Markus W. Founder Used the software for: 1-3 years ### "Easy to use payment platform" November 22, 2024 5.0 Setting up an account, entering vendors, and paying invoices is extremely easy. People who have to use more "corporate" systems in larger companies even said, I wish I could use this for my work. You should see what I have to put up with. Pros Melio is a wonderfully designed and easy-to-use payment platform that makes paying contractors a breeze. Cons There isn't really anything I did not like about Melio. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.