Melio Review 2023: Pricing, & Features – Is Melio Free?

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Are you looking for an Unbiased Melio Review 2023, Don’t worry, I got you covered.

Do you own a small business in the US?

Are you looking for a platform that seamlessly integrates with QuickBooks?

Quickbooks is considered one of the leading accounting software in the world that is used by several businesses worldwide to manage accounts and transaction details. But it is always recommended to integrate online payment software with Quickbooks to make the flow of money even more organized and seamless.

However, while medium and large-scale businesses can afford some advanced software that charges hefty subscription charges, small businesses, solopreneurs and freelancers are always on the lookout for something cheap.

If you are one of those people, then we have a promising FREE solution to help manage your online bookkeeping and payment requirements. This is called “Melio”.

Melio Review 2023: An Overview

Melio Review

Melio is a simple, straightforward bill-paying option geared towards accountants, bookkeepers, and their small business clients. Via a single dashboard and a single login for all client accounts, it enables businesses to handle the payments for all of their clients.

Accounting teams can pay any business bill for free using a bank transfer or credit card thanks to Melio. Businesses can add users, manage roles and permissions, and set up a payment acceptance pipeline with this software in just a few simple steps. Melio’s two-way sync with QuickBooks allows users to save time.


Melio Features at a Glance

Melio Features

With Melio, you can schedule payments in advance and set up automatic payments to eliminate late or premature payment concerns.

Additionally, you may invite users or your accountant to utilize the platform while maintaining total control over transaction approvals thanks to the platform’s payment approval protocols.

Here is a quick list of all the key features currently offered by Melio

  • ACH payment processing
  • Billing & invoicing
  • Approval process control
  • Online payment processing
  • Check processing
  • Debit/credit card processing
  • Duplicate payment alert
  • Fraud detection

Melio Pricing Structure

Melio Pricing Structure

Is Melio free?

is melio free - melio pricing

The answer is a BIG CHUNKY YES!

The very basic ideology behind creating  Melio was to provide a unified platform for users who are low on budget, to enjoy seamless money transfers between vendors. And if you are thinking that they offer cheap plans of pocket-friendly subscription tiers to attract users, then you’re mistaken.


No subscriptions.

No signup charges.

No hidden costs whatsoever.

There are no setup or monthly subscription fees for accountants, bookkeepers, and their small business clients!

So, if you are a Freelancer, Solopreneur, or own a  small startup business, and are looking for a free and stable solution to manage all your transactions with your vendors, then Melio is for you.

Just sign up and get your Quickbooks running in a matter of minutes.

No charges on  Digital Payments

Melio Review - No charges on Digital Payments

Melio allows your consumers or clients to pay you for nothing via card or bank transfer. You only need to register to receive your own payment link, which clients may use to submit payments without knowing your bank information.

Your customer uses their bank or credit card to pay. They can send their payment without having a Melio account. Payments are made without any charges or fees and are transferred into your bank account in two business days.

Payment Options

On Melio, you have a number of payment alternatives. Debit cards, credit cards, and bank transfers (ACH) are a few examples. Bank transfers are free of charge, however, credit card payments have a 2.9% transaction fee.

If a seller or store doesn’t accept credit cards, you can still choose to pay using a credit card. Suppliers are paid by check or bank transfer, and Melio sends the check on your behalf. Sellers can accept your payment without having a Melio account.

Technical Support

Melio offers several technical support options in case you ever happen to run into any issues. You can get in touch with their 24*7 support team via phone call, email, and live chat. You can even explore their knowledge base from the official Melio website where you can get access to DIY blogs and training videos to help you solve some trivial issues yourself.

Best Melio Alternatives 2023

Are you still unsure about Melio, check out these top 3 Melio Alternatives…

1) Zelle

Zelle is a free, quick, and easy mobile payment software that lets you send money to people you already know and trust from your bank account.

Zelle is a quick and simple way to send money to friends and family, and it’s completely free. This mobile peer-to-peer payment software can send money instantly from one bank account to another. It’s convenient for sending cash to a friend or family member.

The maximum amount of money you can send via Zelle is limited. You should check with your bank because they are the ones who establish the limitations. The Zelle app has a weekly restriction of $500 for sending money across bank accounts.

2) is a fantastic standalone accounting service that provides advanced management of accounts payable and receivable in addition to the choice to establish several approval levels for transactions. No other service offers a feature set as extensive or a workflow as sophisticated.

The four pricing tiers that offers are as follows: For $39 per person per month, Essentials; for $49 per person per month, Team; for $69 per person per month, Corporate; and for $109 per person per month, Enterprise.

3) Plastiq

With Plastiq, you can pay and collect payments for any bill online with a credit or debit card. This is a great option for earning rewards if you want to put purchases on a credit card but otherwise wouldn’t be allowed to. This includes some of your most important recurring costs, such as mortgage or rent, car payments, and college tuition.

If you prefer not to pay these vendors directly with your credit card, Plastiq will send a check or wire transfer on your behalf. It also provides a global payments solution and an option tailored to smaller enterprises called Plastiq Accept.

The cost of using Plastiq may make you think twice about signing up. The 2.9% fee isn’t always unreasonable to factor into your decision. If you are looking for a credit card sign-up bonus but are unable to do it without making a sizable initial purchase, Plastiq is a good place to look. Depending on the size of the initial incentive, the cost of approximately $29 for every $1,000 paid could be worthwhile.

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Why do we recommend Melio?

melio review by users

There are several key aspects that compel us to recommend Melio to users. Let us list down a few.

  • Flexible payment alternatives

Melio enables payments by debit cards, credit cards, and bank transfers (ACH). While credit card payments are subject to a 2.9% transaction fee, ACH payments, and bank transfers are free. Even in places where credit cards are not accepted, users can pay with them.

  • Seamless sync with QuickBooks

Dual data entry for all bills and bill payments is eliminated thanks to Melio’s smooth two-way sync with QuickBooks.

  • Payment approval workflows

Users of the software can configure their roles and permissions as well as invite other users and their small business clients. Also, businesses have control over how each transaction is approved and may monitor their cash flow.

  • Manned all bills and vendor details easily

By uploading files or snapping a picture of your invoice, Melio makes it simple to add vendor and bill details. To automatically sync your accounts payable information, you can connect the platform to QuickBooks online or manually enter the necessary information.

  • No monthly subscription fees

Melio provides its accounts payable platform without charge because it was specially designed with freelancers and small enterprises in mind. There are no delivery fees when you mail checks to vendors, nor are there any monthly subscription fees that could consume a sizable portion of your money.


✅ How long does it take to get paid with Melio?

The processing of payments takes place just once each day, before 11:30 am Eastern Standard Time. If a payment is entered after that time, it won’t begin processing until the next business day. It is possible that the delivery time will be delayed due to federal holidays.

✅ How does Melio make money?

Melio makes money when consumers choose to use credit cards to optimize their cash flow or when they use other payment methods (for a nominal cost), such as debit cards, checks, rapid ACH bank transfers, and overseas transactions.

✅ Does Melio pay international?

Only U.S. dollars can be used for transactions completed outside of the United States and its territories while using Melio. You are able to make payments to nations all around the world, including those in Europe, Asia-Pacific, South America, and more.

✅ Who owns Melio?

Matan Bar, Ilan Atias, and Ziv Paz established Melio in 2018. The company has offices in both Tel Aviv, Israel, and New York, New York.

Also, Read:

Melio Review 2023: Conclusion – Is Melio Worth It?

All in all, we can really conclude that Melio is indeed a very promising solution for freelancers and small businesses to manage payments and transactions with vendors effortlessly. 


You may use Melio right away on any internet-enabled device, such as your laptop or smartphone, and it is a powerful free solution. 

This is ideal for time-constrained business owners and professionals who want to pay their invoices and manage their cash flow on the move without blowing a sizable chunk of their budgets on pricey accounts payable software.

Furthermore, the software is smooth, user-friendly, and works very efficiently. It is extremely easy to use from Quickbooks.

Melio is also one of the very few platforms that support several payment options such as Bank transfers (ACH), debit cards, and credit cards. Bank transfers are free. It perfectly syncs with QuickBooks and also supports payment with any credit card or bank in the US.

Yes, that implies that the one major drawback of Melio, for now, is that it is only available in the USA. Another low point with Melio is that currently, it only supports vendor payments.

So, if you are living or running your business outside the States, and if you are looking to deal with more than just vendor payments, then you’ll have to look for other alternatives.

Otherwise, Melio is a great option to go for. It’s free, so there’s nothing to lose if you do give it a try!

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