Melio is best for small business owners who pay vendors, contractors, or suppliers and want to stop writing checks or logging into their bank to send wires.
Pay vendors by ACH, credit/debit card, check, or wire—even vendors that don't accept cards
Get paid fast by sending custom payment links; customers can pay by card or bank transfer
Two-way sync with QuickBooks Online, QuickBooks Desktop, and Xero keeps your books current
AI bill capture pulls key details from uploaded or emailed invoices automatically
Set approval workflows and user roles so the right people control payments
Send international payments in USD or local currencies with competitive exchange rates
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Sources: www.meliopayments.com·www.meliopayments.com·Verified April 2026
No integrations listed yet for Melio.
Melio uses AI to capture and extract bill details from uploaded images or emails, saving manual data entry. It also includes Agent Mel, an AI assistant that answers questions about bills, payments, and vendors.
Melio is a great fit for small business owners who juggle vendor bills and want their payments to sync automatically with QuickBooks or Xero. The biggest win is flexibility—you can pay any vendor by card to hold onto cash longer, even if that vendor only accepts checks. The main downside is that the free plan limits you to 5 free ACH payments per month, so businesses with higher payment volume will need to upgrade to a paid plan.
AI-generated training guides tailored to your team's size, skill level, and focus areas for Melio — coming in v0.3.2.
View our roadmap →We're building a review system so business owners like you can share real experiences with Melio.
Last researched: April 2026
