# Melio Business Payments — A simpler way to pay vendors > All-in-one accounts payable and receivable platform for businesses. (iPhone/iPad app by Melio Payments Inc.) - Source: https://appshunter.io/ios/app/melio-business-payments/id1600209586 (this page in markdown: same URL + `.md`) - Developer: [Melio Payments Inc](https://appshunter.io/developer/1600209589) - Category: Finance, Business - Price: Free - Rating: 4.60/5 from 1,421 App Store ratings · 122 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 115 MB - Languages: American English - Released: 2023-03-27 - Data updated: 2026-08-30 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/melio-business-payments/id1600209586/reviews.md ## What is Melio Business Payments? Melio is the all-in-one accounts payable and receivable platform that gives businesses the flexibility to pay and get paid their way—all from your phone. Whether you’re paying vendors or collecting client payments, Melio puts cash flow control in your pocket with greater visibility and flexibility. Sign up and get started directly in the app in minutes. AUTOMATE BILL PAYMENTS • Easy bill upload: Capture bills instantly with your camera and upload them to your dashboard. • Flexible payment options: Pay by ACH, card, check, or wire with expedited options up to instant payments. Your vendor still gets paid how they want, while Melio takes care of the complexity in between. • Pay vendors globally: Send payments to global vendors in over 80 countries in their preferred currency with competitive exchange rates. • Approve payments anywhere: Review and approve team payments with a swipe, based on approval workflows you control. • Schedule and combine: Schedule payments in advance and easily process multiple bills at once. • Maximize cash flow: Use your credit card to pay bills (even where cards aren’t accepted) to hold onto cash longer and earn rewards. GET PAID FAST • Create invoices on the go: Generate professional invoices in seconds and send them via email or link. • Accept online payments fast: Send clients a custom link via text or email to get paid digitally, fast. You choose who pays card processing fees, and the money goes directly to your bank account. • Track every dollar: See incoming payment statuses from scheduled and sent, to when you can expect funds to arrive. MANAGE IT ALL IN ONE PLACE • 2-way auto sync: Melio syncs seamlessly with QuickBooks and Xero to keep your books accurate and streamline reconciliation. (requires set-up in web browser) • Total visibility: Get real-time notifications for money coming in and going out. • Secure & trusted: Melio is trusted by top financial institutions and technology platforms including Capital One, Shopify, and Gusto, and received the 2025 FinTech Award for Best U.S. SMB Payment Solutions Platform from Wealth & Finance International Download Melio today to pay and get paid on your own terms. ## Key features - Automate bill payments - Flexible payment options - Global vendor payments - Create invoices on the go - Accept online payments - Sync with QuickBooks/Xero ## What do users think of Melio Business Payments? Overall sentiment: mixed **Pros** - 🚀 Fast and reliable payments - 👍 User-friendly interface - 🔒 Secure transactions - 💡 Convenient mobile app - 🚀 Streamlined payment process - 👍 Multiple payment options - 🚀 Efficient cash flow management **Cons** - 🐛 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 **Commonly reported bugs** - Login issues when connecting through Intuit - Limited functionality compared to web version - Inconsistencies between app and website experience **Most requested features** - Ability to receive payments and invoices through the app - Integration with accounting software like QuickBooks - Real-time payment tracking and status updates - Phone-based customer support option ## Recent user reviews (10 of 122) All indexed reviews: https://appshunter.io/ios/app/melio-business-payments/id1600209586/reviews.md ### 1/5 — Worst app *2026-07-02, version 2.15.0* Worst app ever ### 1/5 — Worst company in the world *2026-05-31, version 2.13.0* No Live people have tried to pay a bill for 30 solid days 25 emails to this terrible company Horrible, horrible app ### 1/5 — Ach transfer takes 7 days. *2026-05-06, version 2.12.0* Customer service takes minutes to reply via chat, it takes a while to get things solved. The standard ach payments take around 7 days. They count the first business day as day “0” and go from there. Customer service is horrible. Would not recommend for small businesses. ### 1/5 — Real sad story say hi toWise *2026-04-01, version 2.11.0* Don’t rely on their service. They are really slow even you are US citizen and you have not a new company and you are sending money abroad to one of the most famous company at that country and that sector they will stop your transfer and will ask you many questions after they receive your response. They will ask them again, prolonging the process, and mentioning that the urgent transfer doesn’t make any sense2zm. ### 1/5 — Transaction Failed *2026-03-31, version 2.11.0* Need more information as to why. ### 1/5 — Misled *2026-03-16, version 2.10.0* Had a great meeting with a sales rep who assured me clients would be able to pay via ach entering routing and account number however it seems they have to connect their bank and when i tried to get clarity on this from sales they cancelled the meeting. ### 5/5 — Love Melio *2026-03-10, version 2.10.0* This is an awesome app and service for my business ### 1/5 — Spam *2026-03-04, version 2.9.1* 2 different credit cards used and both failed. Just lost time and free information for them. Don’t share information with with spammers. ### 4/5 — Great business tool *2026-01-22, version 2.7.1* This is a great business tool for small businesses to keep track of payment processing to vendors and employees. Customer Service is a little bit difficult to deal with, but the tool itself has been great. ### 1/5 — Misleading “Same-Day Wire” and Zero Support *2025-12-29, version 2.7.0* Melio is completely unreliable if you need time-sensitive payments. I selected same-day wire transfer, sent the payment before the cutoff time, and the system clearly showed delivery the same day. Hours later: • My credit card was not charged • The vendor did not receive funds • There was no confirmation the wire was even sent I contacted live chat, and instead of actual help, I was told to send an email and wait 1–2 business days for a reply. For a SAME-DAY WIRE. Unreal. The agent couldn’t even tell me whether the wire would arrive the same day or not, despite the platform advertising it as same-day. The only option they offered was to cancel the payment no explanation, no escalation, no accountability. This is misleading at best and dangerous for anyone dealing with closings, vendors, or urgent business payments. If timing matters in your business, do not trust Melio. Same-day wire apparently means “maybe later, maybe not, good luck.” Absolute waste of time. ## Frequently asked questions about Melio Business Payments ### What does Melio Business Payments do? Melio is an all-in-one platform designed to simplify accounts payable and receivable for businesses. It allows you to pay vendors using various methods and get paid by clients digitally, all managed from your phone. ### What are the key features of Melio? Key features include automating bill payments with flexible options like ACH, card, or check, creating and sending invoices on the go, accepting online payments, and syncing with accounting software like QuickBooks and Xero for seamless reconciliation. ### Is Melio free to use? Based on the provided information, the app is free to download and use. The platform handles the complexities of payments, allowing businesses to manage their finances without upfront costs for the core service. ### What accounting software does Melio integrate with? Melio offers a 2-way auto sync with popular accounting software such as QuickBooks and Xero. This integration helps keep your books accurate and streamlines the reconciliation process, though initial setup may require a web browser. ### How can Melio help manage business cash flow? Melio provides greater visibility and flexibility over your cash flow. You can schedule payments in advance, combine multiple bills for processing, and even use your credit card to pay bills to hold onto cash longer and potentially earn rewards. ## Version history (last 5 releases) ### 2.19.0 — 2026-08-12 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. ### 2.18.1 — 2026-08-05 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. ### 2.18.0 — 2026-07-28 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. ### 2.17.0 — 2026-07-20 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. ### 2.16.0 — 2026-07-09 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. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*