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Melio Review

starting price By quote
our score 84%
free trial
  1. What is Melio
  2. Product Quality Score
  3. Main Features
  4. List of Benefits
  5. Awards Section
  6. Technical Specifications
  7. Available Integrations
  8. Customer Support
  9. Pricing Plans
  10. Other Popular Software Reviews

What is Melio?

Melio is an advanced B2B payment gateway with a comprehensive toolset for the hassle-free processing of invoices, bank transfers, and payments to any store, contractor, or business. Melio allows its users to pay via ACH transfer or credit card to all stores, vendors, and contractors. Its advanced credit card payment feature can pay vendors in check or via bank transfer once a credit card payment is made through Melio. Users can pay through their credit card and vendors can receive payment in their preferred mode. Through it, credit card payment is possible at all times; even to stores that don’t accept such. Melio features are highly ideal and compatible with small businesses and freelancers. Apart from its nifty credit card transfer feature, Melio also has tools for the management of bank deposits, payment schedules, form guidance, payment updates, and payment tracking. Melio customer care is notable because users have access to premium live support from accountants. Subscription to Melio is free. No monthly fee is required from users.

Product Quality Score

Ease of use
Customer support
Value for money

Melio features

Main features of Melio are:

  • Check Sending
  • Bank Transfer
  • Bank Deposit
  • Credit Card Payment
  • Unlimited Companies
  • Unlimited Clients
  • AP Management
  • AR Management
  • Unlimited Account Users
  • Workflow Approvals
  • 1099 Forms
  • Scheduled Payments
  • Recipient Updates
  • Payment Tracking
  • Live Support
  • Live Accountant Support

Melio Benefits


The main benefits of Melio are hassle-free payment processing, vendor-friendly, contractor-friendly, and seamless credit card payments everywhere, and accounting transparency.

Hassle-free Payment Processing

Melio enables easy bank transfer and check sending simplifies payment processing for all users across all endpoints. With Melio, users can choose to pay any invoice with a quick bank transfer at no cost. Recipient vendors or contractors need not sign up or become verified members to receive payment. No additional paper is required from any vendor or contractor because payment is easily sent directly to any recipient’s existing bank account.


Melio is vendor-friendly because it allows for payment in the most convenient manner. Vendors can receive payments from credit card users even if they have no gateway for it. No additional paperwork and time-consuming registration process will be required from them.

Contractor Friendly

Melio is best for freelancers because all payments can simply be sent directly to their bank account. Freelancers need not submit complicated and time-consuming requirements to receive a one-time payment.

Seamless Credit Card Payments Everywhere

Melio has an advanced credit card feature that allows for vendors, contractors, and freelancers to receive payment in their preferred manner even if users use their credit card. Melio receives such credit card payment and sends it to recipients in the mode that they prefer – may it be through bank transfer or checks.

Accounting Transparency

Melio allows users to easily track all payments. Payment tracking comes with e-mail and push notifications. Payment schedules can also be done in just a few clicks.

Awards Section

Great User Experience Award
Rising Star 2020 Award
In our Melio reviews the software has been distinguished with our:
- Great User Experience Award
- Rising Star Award

Technical Specifications

Devices Supported

  • Web-based
  • iOS
  • Android
  • Desktop

Customer types

  • Small business
  • Medium business
  • Enterprise

Support Types

  • Phone
  • Online

Melio Integrations

The following Melio integrations are currently offered by the vendor:

  • QuickBooks
  • Silicon Valley Bank
  • VISA
  • MasterCard
  • Diners Club International
  • American Express
  • Discover
  • Evolve Bank & Trust


Customer Support


Pricing Plans

Melio pricing is available in the following plans:

Free trial
Credit Card Payer Fee