Melio

Pay & get paid: Easy bill paying service for businesses.

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Overview

Melio is a free accounts payable and receivable platform designed to help small businesses manage their B2B payments. It allows businesses to pay vendors via bank transfer or credit card (even if the vendor doesn't accept cards) and receive payments from customers. The platform focuses on simplicity and cash flow control, offering features like payment scheduling and approval workflows. It integrates directly with accounting software like QuickBooks to eliminate double data entry.

✨ Key Features

  • Accounts Payable Automation
  • Accounts Receivable
  • Pay vendors with ACH or credit card
  • Receive payments from customers
  • Payment scheduling
  • Approval workflows
  • International payments
  • Sync with accounting software

🎯 Key Differentiators

  • Core features are free (ACH payments).
  • Extreme simplicity and ease of use.
  • Ability to pay any invoice with a credit card.

Unique Value: Provides a completely free platform for small businesses to manage and execute their accounts payable and receivable, with flexible payment options to optimize cash flow.

🎯 Use Cases (4)

Paying vendor bills for free via bank transfer. Using a credit card to pay bills to extend float, even if vendors don't accept them. Requesting and receiving payments from business customers. Managing bill approvals and scheduling payments to optimize cash flow.

✅ Best For

  • Small business bill pay
  • B2B payments for QuickBooks users

💡 Check With Vendor

Verify these considerations match your specific requirements:

  • Enterprises needing complex procurement workflows or global compliance features.

🏆 Alternatives

BILL Plooto Veeem

Unlike competitors that charge a monthly subscription, Melio's core service is free, making it highly accessible for small businesses. Its credit card payment flexibility is also a key advantage.

💻 Platforms

Web

🔌 Integrations

QuickBooks Online QuickBooks Desktop Xero

🛟 Support Options

  • ✓ Email Support
  • ✓ Live Chat

🔒 Compliance & Security

✓ SOC 2 ✓ GDPR ✓ SOC 2 Type 2 ✓ PCI DSS Compliant

💰 Pricing

Contact for pricing
Free Tier Available

Free tier: Core AP and AR features are free. Fees apply for certain payment methods.

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