Melio

Name: Melio
Brand: Melio

Pay and get paid on bills with flexible payment methods for business accounts payable.

softwareAccounting & Financeaccounts-payablebill-payb2b-payments

What is Melio?

Melio is an accounts payable and receivable platform that lets businesses pay vendor bills by card, bank transfer, or international payment, and accept customer payments online, all from a single dashboard. Even when a vendor only accepts checks, Melio can send a check on the payer's behalf while the payer pays by other methods. The platform integrates with accounting software including QuickBooks, Xero, and NetSuite, and supports approval workflows for teams with multiple payers or approvers. Melio also offers a pay-over-time option for spreading payments across installments, along with vendor tax form management for 1099 season.

SpecificationsAI-estimated

deploymentCloud/SaaS

api available✅ Yes

key integrationsQuickBooks, Xero, NetSuite

Key Features of Melio

Pays vendor bills via ACH, card, or international bank transfer

Accepts online customer payments for outgoing invoices

Offers a pay-over-time option to spread vendor payments across up to 12 installments

Provides approval workflows and permission controls for finance teams

Syncs bill and payment data with QuickBooks, Xero, and NetSuite

Manages vendor tax documentation including W-9 collection and 1099 forms

Use Cases for Melio

Vendor bill payment

Small businesses pay supplier invoices by card or bank transfer without switching payment methods per vendor.

Customer invoice collection

Service businesses send invoices and accept online payments from clients through the same platform.

Accounting firm bill pay

Bookkeepers and accounting firms manage accounts payable for multiple clients from one dashboard.

Cash flow smoothing

Businesses use pay-over-time financing to spread large vendor payments across several installments.

Pros & Cons of Melio

Pros

Lets payers use a card even when vendors only accept checks or bank transfers
Core accounts payable and receivable features are free to use
Integrates with major accounting platforms
Supports batch payments and multi-user approval workflows

Cons

Card payments to vendors typically carry processing fees
Primarily built for US-based businesses and payment rails
Higher payment volumes may require paid or platinum tiers

Frequently Asked Questions

Is Melio free to use?

Melio offers core accounts payable and receivable features for free, with fees applying to certain payment methods like card payments to vendors.

Can I pay a vendor who only accepts checks?

Yes, Melio can print and mail a check to the vendor even if the payer chooses to pay by card or bank transfer.

Does Melio integrate with QuickBooks?

Yes, Melio syncs bill and payment data with QuickBooks, Xero, and NetSuite.

Does Melio handle 1099 forms?

Yes, Melio includes vendor tax form management, including W-9 collection and 1099 preparation.

Pricing Overview

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Freemium

Detailed plans are not listed. Visit the official website for pricing information.

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Bill.com is a cloud‑based financial operations platform that streamlines accounts payable, accounts receivable and expense management for businesses and accounting firms. It lets users create, approve and pay bills, capture invoices, and manage cash flow from a single dashboard. The service integrates with major accounting systems, offers electronic payments, and provides working‑capital financing options, helping companies reduce manual data entry, accelerate approvals, and improve financial visibility.

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