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Melio Business Payments

Melio Business Payments

A simpler way to pay vendors

1.5K ratings
126 reviews
💼 Business
💰 Finance
Free

Details

Released
March 27, 2023
Updated
November 2, 2026

Features

Developer

Melio Payments Inc
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About

This platform simplifies business payments, allowing users to pay vendors and collect client payments from their mobile devices. It offers flexible payment options, global vendor payments, and invoice creation. The app also syncs with accounting software for streamlined financial management.

✓Automate bill payments
✓Flexible payment options (ACH, card, check, wire)
✓Global vendor payments
✓Create invoices on the go
✓Accept online payments
✓Sync with QuickBooks and Xero
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What users say about Melio Business Payments

Reviews of Melio Business Payments are mixed: the Finance app is rated 4.6/5 from 1.5K App Store ratings. What users like most: fast and reliable payments, user-friendly interface. Top complaints: unreliable customer support, strict account verification issues. Summarized from real user reviews.

Positive things

  • 🚀Fast and reliable payments
  • 👍User-friendly interface
  • 🔒Secure transactions
  • 💡Convenient mobile app
  • 🚀Streamlined payment process
  • 👍Multiple payment options
  • 🚀Efficient cash flow management

Negative things

  • 🐛Unreliable customer support
  • 🔒Strict account verification issues
  • 🐛Payment failures with no explanation
  • 🐛Unresponsive to user inquiries
  • 🐛Accounts being unexpectedly disabled
  • 🐛Lack of transparency on payment status
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What's New in Melio Business Payments

2.25.0

November 2, 2026

Welcome to the latest Melio mobile experience—designed to give you greater visibility and control over every payment, right from your phone. A Brand-New Home Screen Get a unified view of your incoming and outgoing payments in one place, so you always know where your money stands. Streamlined Payment Tracking See all your recent payment activity on one centralized screen without switching between tabs to find what you need. Get Paid with Melio Request money by sending a professional invoice or simply sharing a payment link. Getting paid is now just a few taps away.

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User reviews

Most RecentHighest RatedLowest Rated

Very SLOW

Not fast payments, as advertised. This is not a good service for accepting payments. Very slow process times
JJoshald33

Don’t recommend

Don’t expect to talk to a live person. Unless you pay more monthly. Then their AI does not help.
I really hate working with this company
SSurprise75

Terrible service for employees

Not fast payments, as advertised. No customer support system to report issues. This is not a good service for accepting payments as an employee.
JJoshald33

Inconsistent delivery times for pay

The service advertises same day payments/instant transfers for 1099 employees directly to their checking accounts. Even issuing payments before a 2 PM cut off, they are often delayed and inconsistent.
RRobert9998&

Worst app

Worst app ever
LLiss1976handy1983
See 121 more reviews

User experience

🐞

Reported Bugs

3 issues

Login issues when connecting through Intuit

Bug

Limited functionality compared to web version

Bug

Inconsistencies between app and website experience

Bug
✨

Requested Features

4 requests

Ability to receive payments and invoices through the app

Feature

Integration with accounting software like QuickBooks

Feature

Real-time payment tracking and status updates

Feature

Phone-based customer support option

Feature

FAQ

What payment methods does Melio support for paying vendors?

Melio supports a variety of payment methods including ACH, card, check, or wire transfers. Expedited options up to instant payments are also available, ensuring vendors are paid in their preferred method.

Can I pay vendors internationally using Melio?

Yes, Melio allows you to send payments to global vendors in over 80 countries. Payments can be made in the vendor's preferred currency with competitive exchange rates.

How does Melio help with getting paid by clients?

Melio enables you to create professional invoices quickly and send them via email or a custom link. Clients can then pay digitally through this link, with options to choose who covers card processing fees.

Does Melio integrate with accounting software?

Yes, Melio offers a 2-way auto sync with QuickBooks and Xero to keep your books accurate and streamline reconciliation. This feature requires initial setup in a web browser.

What are the main concerns users have about Melio?

User reviews indicate concerns regarding unreliable customer support, strict account verification issues, and occasional payment failures without clear explanations. Some users have also reported accounts being unexpectedly disabled.

Is Melio secure to use for business transactions?

Melio is trusted by major financial institutions and technology platforms like Capital One and Shopify. It was also recognized with the 2025 FinTech Award for Best U.S. SMB Payment Solutions Platform.

How often is Melio updated?

The latest version of Melio is 2.25.0, and it was last updated on November 2, 2026. This indicates a relatively frequent update schedule.

What is the overall user sentiment for Melio?

User sentiment for Melio is mixed. While users praise its fast and reliable payments, user-friendly interface, and secure transactions, there are significant cons related to customer support and account management.