Worst app
Worst app ever
Worst company in the world
No Live people have tried to pay a bill for 30 solid days 25 emails to this terrible company
Horrible, horrible app
Horrible, horrible app
Ach transfer takes 7 days.
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.
Real sad story say hi toWise
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.
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Transaction Failed
Need more information as to why.
Misled
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.
Love Melio
This is an awesome app and service for my business
Spam
2 different credit cards used and both failed. Just lost time and free information for them. Don’t share information with with spammers.
Great business tool
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.
Misleading “Same-Day Wire” and Zero Support
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.
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.
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Horrible
Stay away from these scammers!
Worst customer service
I’m a vendor being paid by a company through Melio. It’s been over a week since I was asked to provide my banking information. It’s a lot of money to just put on hold like that. Consistently given the run around, estimated dates, no actual receipts of the transaction. As a business owner myself, I would absolutely steer clear of Melio.
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Blocked account, no reason given
My account was blocked. It’s concerning that despite having advanced technology, you do not support payments to legitimate vendors via wire transfer—especially when invoices are provided. Your customer support responses I received were cold, generic copy/paste messages with no explanation as to why the payments were marked as “failed.”
Additionally, the company is based in Israel. If someone chooses not to support businesses from that region due to ongoing geopolitical concerns, they may prefer to avoid using Melio.
Additionally, the company is based in Israel. If someone chooses not to support businesses from that region due to ongoing geopolitical concerns, they may prefer to avoid using Melio.
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…waiting for a response
Great company until you need them to respond…
Due to the lack of a timely and substantive response regarding the payment processing issue, I feel it is necessary to compile a comprehensive review detailing our current experience, which I intend to post publicly.
The continued delay, despite our providing all requested documentation (specifically the confirmation that the Chase Bank dispute has been dissolved, sent on November 7, 2025), is critically slowing down our small business operations. This inability to process payments prevents us from compensating our contractors, which is having a severe impact on our workflow and reputation.
I sincerely hope we can resolve this internally and immediately and hate to have to do this.
But we emailed them alarmist every three days asking for an update.
Due to the lack of a timely and substantive response regarding the payment processing issue, I feel it is necessary to compile a comprehensive review detailing our current experience, which I intend to post publicly.
The continued delay, despite our providing all requested documentation (specifically the confirmation that the Chase Bank dispute has been dissolved, sent on November 7, 2025), is critically slowing down our small business operations. This inability to process payments prevents us from compensating our contractors, which is having a severe impact on our workflow and reputation.
I sincerely hope we can resolve this internally and immediately and hate to have to do this.
But we emailed them alarmist every three days asking for an update.
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Does not support connection by account/routing number
Melio claims you can connect your bank account *without* plaid by using your bank/account number instead. This however is not true.
When setting up an account I attempted to connect multiple bank accounts which all failed. Upon reaching out to Melio support they claimed they were “working on it”. After two months waiting, I cancelled my service. Support wanted me to install a browser extension to record my activities in order to get more information for their support team, however this is clearly an issue with several banks on their end and recording my activity was unacceptable to me. Businesses that prefer not to agree to Plaid’s data practices will be out of luck with this program.
When setting up an account I attempted to connect multiple bank accounts which all failed. Upon reaching out to Melio support they claimed they were “working on it”. After two months waiting, I cancelled my service. Support wanted me to install a browser extension to record my activities in order to get more information for their support team, however this is clearly an issue with several banks on their end and recording my activity was unacceptable to me. Businesses that prefer not to agree to Plaid’s data practices will be out of luck with this program.
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Waste of time !
Utterly useless process to setup the account you are better off using traditional banking. Completely inconsistent and incoherent customer service experience complete lack of cohesive experience for setting up an account and complete waste of time if trying to process any level of payment via ACH.
First day they ban me for no reason
They ban people for no reason. Don’t use this Platform, use alternative options like your bank, western union, etc
They allow theft
I have to give Melio just one star because of my awful experience. I used the app to make a purchase from a company that processes payments through Melio, but things went south when the company didn’t ship some of my items. I tried reaching out to them countless times—through emails, chats, and phone calls—and got absolutely no response.
Feeling stuck, I had no choice but to do a chargeback to get my money back. I thought that was the end of the stress, but then Melio suspended my account because of the chargeback. I reached out to them for clarification, asking how I could get a refund for the items I never received, and their response was basically “not our problem.”
Overall, this whole situation has been a frustrating experience, and I can’t recommend Melio based on how poorly they handle these kinds of situations
Feeling stuck, I had no choice but to do a chargeback to get my money back. I thought that was the end of the stress, but then Melio suspended my account because of the chargeback. I reached out to them for clarification, asking how I could get a refund for the items I never received, and their response was basically “not our problem.”
Overall, this whole situation has been a frustrating experience, and I can’t recommend Melio based on how poorly they handle these kinds of situations
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Response from developer
Hi there, we're truly sorry to hear about your frustrating experience. While Melio facilitates payments between businesses, we understand how upsetting it can be when a transaction doesn't go as expected—especially when you're left without a response from the vendor. When a chargeback is initiated, it does trigger an automatic review process that can result in account suspension, but we regret that our communication didn’t provide the clarity or support you deserved during this time. If you're still open to it, we'd be happy to revisit your case and see if there's anything more we can do to help clarify the situation. Please feel free to reach out to our team directly at reviews@melio.com. Thank you for taking the time to share your feedback—it helps us improve. All the best, Team Melio
Management
Great way to keep your cash flow
Doesn’t work for receiving
You can’t receive payments on mobile so if you use Melio for invoicing, this app won’t work
