Business Finance

Melio

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

Overview

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.

Updated Oct 17, 2026

4 things

What Melio has

Apps

iOS (store page, opens in a new tab)
Android

For developers

Programmatic access to the product's data and features for developers. One of 15 Business Finance tools with an API.
An isolated environment for developers to test a product and its features.

14 features

Key Features

Vendor payments
Flexible vendor payments built for modern AP—pay by card or bank transfer, send global payments, automate your workflows with AI-powered tools, and manage approvals all in one place.
Payment flexibility
Choose payment methods and speeds that work for your business—from instant transfers that get vendors paid in minutes to flexible options that let you hold onto cash longer.
Team controls
Assign operational tasks while maintaining control over crucial decisions. Add team members and determine user roles and permissions for better approval workflows.
Accounting sync
Save hours of manual work and streamline your payment processes with Melio’s automation capabilities. Get a 2-way auto sync with QuickBooks Online, Quickbooks Desktop, Xero, or NetSuite, so all data is always up to date.
AI payment assistant
Streamline bill entry and automate workflows and approvals with AI-powered payment tools. Get instant answers about bills, payments, and vendors with Agent Mel—your very own personal AI payment assistant.
Global payments
Make international payments at the speed of business, in your vendors’ preferred currency. Enjoy competitive exchange rates, transparent fees, and the convenience of managing domestic and global payments in one place. 2
Bill capture
Add bills your way—by camera upload, email sync, or manual entry. Melio extracts the key details instantly and accurately.
Tax form sync
Collect W-9 forms from contractors directly via Melio and easily sync 1099 data to tax1099.com for easy end-of-year filing.
Vendor credits
Sync credits from QuickBooks Online so you can apply them and pay bills—all within Melio.
Card payments
Use your card to pay vendors—even where cards aren’t accepted. 3 Get vendors paid on time and hold on to cash for longer.
Fast payments
Expedite your payments with fast options available for local and global vendors, including fast ACH and card payments.
Installment payments
Pay business bills at the pace that works best for you—up to 12 monthly installments. Vendors get paid on time. 4
Mobile payments
Make, track, and approve payments directly from Melio’s mobile app, even when you’re away from your computer.
Batch payments
Collate multiple bills and pay them in a few clicks. And, combine multiple bills to the same vendor and send them as one transaction.

Pros and 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.

As of October 2026

Pricing

Freemium. Paid plans start at $25 per month.

Go
$0
Core
$25
per month
Boost
$55
per month
Unlimited
$80
per month
Platinum
Custom
on request

You?

Be the first to rate Melio

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

0 questions

Frequently Asked Questions

Community reviews

Write a review

No written reviews yet. Be the first to share your experience.

Community reviews

Write a review

No written reviews yet. Be the first to share your experience.

4 things

What Melio has

Apps

iOS (store page, opens in a new tab)
Android

For developers

Programmatic access to the product's data and features for developers. One of 15 Business Finance tools with an API.
An isolated environment for developers to test a product and its features.

14 features

Key Features

Vendor payments
Flexible vendor payments built for modern AP—pay by card or bank transfer, send global payments, automate your workflows with AI-powered tools, and manage approvals all in one place.
Payment flexibility
Choose payment methods and speeds that work for your business—from instant transfers that get vendors paid in minutes to flexible options that let you hold onto cash longer.
Team controls
Assign operational tasks while maintaining control over crucial decisions. Add team members and determine user roles and permissions for better approval workflows.
Accounting sync
Save hours of manual work and streamline your payment processes with Melio’s automation capabilities. Get a 2-way auto sync with QuickBooks Online, Quickbooks Desktop, Xero, or NetSuite, so all data is always up to date.
AI payment assistant
Streamline bill entry and automate workflows and approvals with AI-powered payment tools. Get instant answers about bills, payments, and vendors with Agent Mel—your very own personal AI payment assistant.
Global payments
Make international payments at the speed of business, in your vendors’ preferred currency. Enjoy competitive exchange rates, transparent fees, and the convenience of managing domestic and global payments in one place. 2
Bill capture
Add bills your way—by camera upload, email sync, or manual entry. Melio extracts the key details instantly and accurately.
Tax form sync
Collect W-9 forms from contractors directly via Melio and easily sync 1099 data to tax1099.com for easy end-of-year filing.
Vendor credits
Sync credits from QuickBooks Online so you can apply them and pay bills—all within Melio.
Card payments
Use your card to pay vendors—even where cards aren’t accepted. 3 Get vendors paid on time and hold on to cash for longer.
Fast payments
Expedite your payments with fast options available for local and global vendors, including fast ACH and card payments.
Installment payments
Pay business bills at the pace that works best for you—up to 12 monthly installments. Vendors get paid on time. 4
Mobile payments
Make, track, and approve payments directly from Melio’s mobile app, even when you’re away from your computer.
Batch payments
Collate multiple bills and pay them in a few clicks. And, combine multiple bills to the same vendor and send them as one transaction.

Pros and 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.

As of October 2026

Pricing

Freemium. Paid plans start at $25 per month.

Go
$0
Core
$25
per month
Boost
$55
per month
Unlimited
$80
per month
Platinum
Custom
on request

You?

Be the first to rate Melio

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

0 questions

Melio

Overview

What Melio has

Apps

For developers

Key Features

Vendor payments

Payment flexibility

Team controls

Accounting sync

AI payment assistant

Global payments

Bill capture

Tax form sync

Vendor credits

Card payments

Fast payments

Installment payments

Mobile payments

Batch payments

Pros and cons

Pros

Cons

Pricing

Melio pricing plans

Go

Core

Boost

Unlimited

Platinum

Be the first to rate Melio

Frequently Asked Questions

What Melio has

Apps

For developers

Key Features

Vendor payments

Payment flexibility

Team controls

Accounting sync

AI payment assistant

Global payments

Bill capture

Tax form sync

Vendor credits

Card payments

Fast payments

Installment payments

Mobile payments

Batch payments

Pros and cons

Pros

Cons

Pricing

Melio pricing plans

Go

Core

Boost

Unlimited

Platinum

Be the first to rate Melio

Frequently Asked Questions

More in Business Finance

More in Business Finance