Melio is a free B2B payment platform that lets small businesses pay vendors by ACH, check, or card with deep QuickBooks sync.
Melio targets the bottom of the AP automation market with a free core product. Bills are paid by ACH (free), check (free), or card (2.9% fee passed to payer or payee). Its tight QuickBooks Online integration makes it a natural fit for bookkeepers.
Aggregated from verified user reviews on G2, Capterra, Trustpilot, and GetApp. Refreshed quarterly.
"Free ACH payments and QuickBooks sync — for a small business this is hard to beat. Onboarding took less than an hour."
"We use Melio to extend float by paying vendors with a card. The 2.9% fee is worth it for the 30 extra days of cash."
"Great for low volume. Once we crossed ~75 invoices per month we needed deeper approval workflows than Melio offers."
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Yes. ACH and check payments are free. Card transactions carry a 2.9% fee. Express delivery is optional and paid.
No. Melio integrates with QuickBooks Online, Xero, and FreshBooks. For NetSuite or Sage Intacct, BILL or Tipalti are stronger options.
Side-by-side matchups with the alternatives buyers research most.
BILL is the better fit for AP teams processing 100+ invoices/month on NetSuite, Sage Intacct, or QuickBooks who need approval workflows. Melio wins for small businesses paying < 50 bills/month who want free ACH and a simple QuickBooks Online sync without paying per user.
Read comparisonBoth let QuickBooks users pay vendors without leaving the books. Melio is free for ACH and works with any QuickBooks tier; QuickBooks Bill Pay is built into newer plans and may be simpler if you're already on QBO Plus or Advanced. Melio offers more payment flexibility.
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