Melio review & overview

Simple B2B bill pay letting SMBs pay vendors by bank transfer or card while vendors receive checks or ACH; free core payments.

Melio sits in the accounts payable / payments space and is most often picked for smb bill pay, vendor payments, accountant referrals. Below is a quick, no-fluff overview to help you decide if it fits.

Key facts

Who it's for

Melio makes most sense for smb bill pay.

• SMB bill pay
• Vendor payments
• Accountant referrals

Key features

What you actually get with Melio, drawn from independent reviews and the vendor's own documentation:

• B2B bill pay by bank transfer or card, with vendors receiving check or ACH
• Free ACH allowances per plan tier
• International payments in USD and foreign currencies
• Faster check delivery and instant payment options
• Two-way accounting sync

Integrations

Melio connects with QuickBooks Online, QuickBooks Desktop, Xero and FreshBooks.

What makes it stand out

Simple B2B bill pay that lets SMBs pay by card while vendors still get checks or ACH.

Who it's best for

US SMBs handling vendor bill pay, plus accountant referral partners.

Strengths & trade-offs

The honest balance for Melio, from independent reviews rather than its sales page. We go deeper in the full Melio review.

Strengths

• + Free ACH bank transfers on the entry plan
• + Pay vendors by card even when they only accept checks/ACH
• + Tight QuickBooks integration

Trade-offs

• - 2.9% fee to pay by card
• - Free ACH capped per tier, then ~$0.50 per ACH payment
• - Focused on US SMB bill pay

Notable facts

Concrete, checkable details rather than marketing claims:

• Flat 2.9% fee for card payments across all tiers
• After free monthly ACH allowance, ~$0.50 per additional ACH payment
• Supports international payments in USD and foreign currencies

See Melio alternatives →