Melio

Flexible, AI-powered bill pay and payment management platform for businesses and accountants.

Freemium

#Payment Collection #AI Financial Insights #Multi-step Process Automation #Team Productivity Management #Strategic Planning #Data Analysis #Productivity Enhancement #Business Management+4

Overview

Melio is a payment platform that enables businesses to pay bills and get paid easily with flexible payment methods, global payments, AI...

Melio is a payment platform that enables businesses to pay bills and get paid easily with flexible payment methods, global payments, AI automation, and seamless accounting integrations. It offers powerful cash flow management, approval workflows, and an AI assistant for fast AP insights.

Key Features

Flexible Vendor Payments

Pay any business bill by card, bank transfer, wire, or check, including international payments in multiple currencies with competitive rates.

AI-Powered Automation

Automate workflows such as bill capture, approval routing, vendor credit application, and syncing with accounting software.

Agent Mel AI Assistant

Ask natural language questions about bills, payments, and vendors to get instant insights and strategic recommendations.

Accounting Software Integration

Two-way auto-sync with QuickBooks Online, QuickBooks Desktop, and Xero keeps financial data up to date and reduces manual work.

Approval Workflows and User Roles

Add team members with customizable roles and permissions to manage approvals and operational tasks securely.

Batch and Scheduled Payments

Pay multiple bills in a few clicks, combine bills to the same vendor, and schedule recurring or batch payments for efficiency.

Get Paid Features

Create and send professional invoices, generate custom payment links, and accept payments by ACH or card quickly and securely.

Security and Compliance

Industry-leading security including PCI compliance, multi-factor authentication, 24/7 monitoring, and DDoS protection safeguards your data.

Who It's For

How to Use

Sign Up and Connect Accounting Software

Create a free Melio account and link your QuickBooks Online, QuickBooks Desktop, or Xero account for data sync.

Add Vendors and Bills

Manually enter bills, upload invoices, or use AI-powered bill capture to import bills from email or files.

Set Up Payment Methods and Approvals

Choose payment options (card, ACH, wire, check), add team members, and configure approval workflows and roles.

Schedule and Make Payments

Batch multiple bills, schedule recurring payments, or pay vendors instantly with fast ACH or card payments.

Use Agent Mel for Insights

Ask Agent Mel questions about your AP activity to get real-time answers and strategic recommendations.

Pricing

Pricing details are gathered from the official Melio website and are provided for reference only. Always confirm the latest information directly with the vendor.

Plan	Price	Highlights
Core	$0	Limited to one user 5 free ACH payments per month, $0.50 per additional ACH payment Pay by ACH, wire, or check Pay by card with fees AI bill capture Pay internationally 10 free QuickBooks Online and Xero syncs Create invoices and payment links
Plus	$25	20 free ACH payments per month All Core features Batch payments Approval workflows W-9 collection and 1099 automation AI assistant Dedicated bills inbox Priority chat support
Boost	$55	50 free ACH payments per month All Plus features Advanced user roles Custom approval workflows QuickBooks Desktop sync Premium phone support
Unlimited	$80	Unlimited free ACH payments Unlimited users All Boost features Dedicated account manager White-glove onboarding
Platinum	Custom pricing	Preferred pricing and terms for high-volume businesses Custom features and support

Found a change in pricing? We welcome corrections. Reach out so we can keep this listing accurate.

Pros & Cons

Pros

Supports multiple payment methods including card, ACH, wire, and check.
AI assistant (Agent Mel) provides fast, actionable AP insights.
Seamless integration with popular accounting platforms like QuickBooks and Xero.
Flexible approval workflows with customizable user roles.
Global payments with transparent fees and competitive exchange rates.

Cons

Some advanced features require paid plans with per-user fees.
Card payments may have network limitations and fees.
International payments have additional flat fees and conversion costs.
Agent Mel AI is currently in beta and focused on AP only.
Mobile app functionality may be limited compared to desktop.

Use Cases

Explore tools grouped by use case so you can keep researching without losing momentum.

Frequently Asked Questions

Alternatives

Compare other vetted products our editors see buyers evaluate alongside Melio.

Ratings & reviews

Key Features

Flexible Vendor Payments

Pay any business bill by card, bank transfer, wire, or check, including international payments in multiple currencies with competitive rates.

AI-Powered Automation

Automate workflows such as bill capture, approval routing, vendor credit application, and syncing with accounting software.

Agent Mel AI Assistant

Ask natural language questions about bills, payments, and vendors to get instant insights and strategic recommendations.

Accounting Software Integration

Two-way auto-sync with QuickBooks Online, QuickBooks Desktop, and Xero keeps financial data up to date and reduces manual work.

Approval Workflows and User Roles

Add team members with customizable roles and permissions to manage approvals and operational tasks securely.

Batch and Scheduled Payments

Pay multiple bills in a few clicks, combine bills to the same vendor, and schedule recurring or batch payments for efficiency.

Get Paid Features

Create and send professional invoices, generate custom payment links, and accept payments by ACH or card quickly and securely.

Security and Compliance

Industry-leading security including PCI compliance, multi-factor authentication, 24/7 monitoring, and DDoS protection safeguards your data.

Who It's For

How to Use

Sign Up and Connect Accounting Software

Create a free Melio account and link your QuickBooks Online, QuickBooks Desktop, or Xero account for data sync.

Add Vendors and Bills

Manually enter bills, upload invoices, or use AI-powered bill capture to import bills from email or files.

Set Up Payment Methods and Approvals

Choose payment options (card, ACH, wire, check), add team members, and configure approval workflows and roles.

Schedule and Make Payments

Batch multiple bills, schedule recurring payments, or pay vendors instantly with fast ACH or card payments.

Use Agent Mel for Insights

Ask Agent Mel questions about your AP activity to get real-time answers and strategic recommendations.

Pricing

Pricing details are gathered from the official Melio website and are provided for reference only. Always confirm the latest information directly with the vendor.

Plan	Price	Highlights
Core	$0	Limited to one user 5 free ACH payments per month, $0.50 per additional ACH payment Pay by ACH, wire, or check Pay by card with fees AI bill capture Pay internationally 10 free QuickBooks Online and Xero syncs Create invoices and payment links
Plus	$25	20 free ACH payments per month All Core features Batch payments Approval workflows W-9 collection and 1099 automation AI assistant Dedicated bills inbox Priority chat support
Boost	$55	50 free ACH payments per month All Plus features Advanced user roles Custom approval workflows QuickBooks Desktop sync Premium phone support
Unlimited	$80	Unlimited free ACH payments Unlimited users All Boost features Dedicated account manager White-glove onboarding
Platinum	Custom pricing	Preferred pricing and terms for high-volume businesses Custom features and support

Found a change in pricing? We welcome corrections. Reach out so we can keep this listing accurate.

Pros & Cons

Pros

Supports multiple payment methods including card, ACH, wire, and check.
AI assistant (Agent Mel) provides fast, actionable AP insights.
Seamless integration with popular accounting platforms like QuickBooks and Xero.
Flexible approval workflows with customizable user roles.
Global payments with transparent fees and competitive exchange rates.

Cons

Some advanced features require paid plans with per-user fees.
Card payments may have network limitations and fees.
International payments have additional flat fees and conversion costs.
Agent Mel AI is currently in beta and focused on AP only.
Mobile app functionality may be limited compared to desktop.

Use Cases

Explore tools grouped by use case so you can keep researching without losing momentum.

Frequently Asked Questions

Alternatives

Compare other vetted products our editors see buyers evaluate alongside Melio.

Melio

Overview

Featured Video

Key Features

Flexible Vendor Payments

AI-Powered Automation

Agent Mel AI Assistant

Accounting Software Integration

Approval Workflows and User Roles

Batch and Scheduled Payments

Get Paid Features

Security and Compliance

Who It's For

How to Use

Sign Up and Connect Accounting Software

Add Vendors and Bills

Set Up Payment Methods and Approvals

Schedule and Make Payments

Use Agent Mel for Insights

Pricing

Pros & Cons

Pros

Cons

Use Cases

Frequently Asked Questions

Alternatives

Ratings & reviews

Featured Video

Key Features

Flexible Vendor Payments

AI-Powered Automation

Agent Mel AI Assistant

Accounting Software Integration

Approval Workflows and User Roles

Batch and Scheduled Payments

Get Paid Features

Security and Compliance

Who It's For

How to Use

Sign Up and Connect Accounting Software

Add Vendors and Bills

Set Up Payment Methods and Approvals

Schedule and Make Payments

Use Agent Mel for Insights

Pricing

Pros & Cons

Pros

Cons

Use Cases

Frequently Asked Questions

Alternatives

Ratings & reviews