Accounting solution for small businesses
our rating 4 out of 5 Stars

MelioProduct Overview

  1. About Melio
  2. Pros of Melio
  3. Cons of Melio
  4. Breakdown of core features

Melio product overview

Melio is a simple bill-pay solution tailored to accountants, bookkeepers, and their small business clients. It allows organizations to manage all clients’ payments from a single dashboard with one log-in for all client accounts.

Melio enables accounting teams to pay any business bill for free via bank transfer or credit card. With this software, businesses can set up a payment approval workflow, add users, and manage roles and permissions in a few clicks. Users can also save time with Melio’s two-way sync with QuickBooks.

Pros of Melio

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  • Melio provides several payment options: Bank transfers (ACH), debit cards, and credit cards. Bank transfers are free. Vendors receive either a check or bank transfer, and the software takes care of sending the check. Additionally, vendors do not need to have a Melio account to receive payments.
  • This solution focuses on small businesses and their accountants. For this reason, it offers the platform for free. There are no setup or monthly subscription fees for accountants, bookkeepers, and their small business clients.

Cons of Melio

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  • Currently, Melio only supports vendor payments.

Breakdown of core features

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Flexible payment alternatives

Melio facilitates payments through bank transfers (ACH), debit cards, and credit cards. ACH payments or bank transfers are free, while credit card payments will incur a 2.9% transaction fee. Users can pay using credit cards even where cards are unaccepted.

Seamless sync with QuickBooks

Melio’s seamless two-way sync with QuickBooks eliminates dual data entry for all bills and bill payments.

Payment approval workflows

The software lets users invite other users and their small business clients and set up their roles and permissions. Businesses can also control the approval of each transaction and stay on top of the cash flow.

(Last updated on 02/02/2022 by Liz Laurente-Ticong)

Quick Facts

  • Industry Specialties
    All Industries
  • Pricing
  • Works Best For
    Small Sized Businesses


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  • ACH payment processing
  • Invoice Processing
  • Debit/credit card processing
  • Invoice Management
  • Approval Workflow
  • Billing and Invoicing
  • Recurring Payments
  • Vendor Management
  • Client Management
  • Online Payments
  • Due Date Tracking
  • Approval process control
  • Online payment processing
  • Accounting Integration
  • Check processing
  • Check Writing
  • Contact Database
  • Fraud detection
  • Partial Payments
  • 1099 Preparation
  • Bank Reconciliation


  • QuickBooks


  • English