Melio

Melio is a digital accounts-payable and bill-payment platform that lets small and midsize businesses pay their vendors, contractors and bills however they want, while keeping everything in sync with their accounting software. Instead of writing checks or logging into a bank portal, businesses schedule and send payments from one dashboard — and can even pay by card to hold onto cash longer, regardless of whether the vendor accepts cards.

What is Melio?

Melio handles the money going out of a business and, increasingly, the money coming in. On the payables side you capture bills, set up approval workflows, and pay by ACH bank transfer, credit card or international transfer. On the receivables side you can create invoices and share custom payment links so clients can pay you online. Because it syncs both ways with your accounting system, every payment is recorded correctly without manual re-entry.

Who it's for

Melio is built for small businesses, midsize companies, multi-location enterprises and high-volume payers, as well as accounting firms managing payments for clients. It's used across industries including construction, healthcare, food and beverage, and nonprofits — essentially any business that pays a lot of vendors and wants to stop drowning in checks and bank logins.

Key features

• Pay bills by ACH bank transfer, credit card or international payment
• Flexible payment speeds, from standard to expedited
• "Pay over time" installments of up to 12 months
• Accounts receivable with custom payment links and invoicing
• AI-powered bill capture and approval workflows
• W-9 and 1099 form management for contractors
• A mobile app to manage payments on the go

Cash-flow flexibility

One of Melio's most useful tricks is decoupling how you pay from how your vendor gets paid. You can pay with a credit card to defer the cash outflow and earn card rewards, and Melio delivers the funds to the vendor by bank transfer or check even if they don't take cards. The "pay over time" option stretches larger bills across installments, giving small businesses breathing room without a separate loan.

Accounting sync and automation

Melio's bidirectional sync with QuickBooks Online, QuickBooks Desktop, Xero and NetSuite means bills and payments flow automatically between the two systems, cutting out the double data entry that causes errors at reconciliation time. AI-powered bill capture reads incoming invoices and drops them into approval workflows, and the Agent Mel assistant helps answer payment questions and automate routine tasks.

Integrations

Beyond the major accounting platforms, Melio connects with tools and marketplaces businesses already use, including Meta and Amazon Business, and supports global vendor payments at competitive exchange rates. That makes it a practical hub for both domestic and international payables.

Pricing

Melio offers a free 90-day trial for new users, then tiered pricing based on business size — from small businesses up to multi-entity and high-volume Platinum plans with custom pricing. Many core actions like standard ACH bill pay are inexpensive or free, with fees on faster or card-based options, so businesses only pay for the speed and flexibility they actually use.

Why choose Melio

For a small business tired of checks, bank portals and manual bookkeeping, Melio turns paying bills into a few clicks while keeping the books accurate automatically. The combination of flexible payment methods, cash-flow tools like card-funded and installment payments, and tight accounting sync makes it one of the most practical accounts-payable platforms for growing businesses.