Searching for the ultimate guide to invoice software? You just landed on the right page. With Melio, the easy-to-use bill paying and invoicing solution trusted by millions, you can streamline every step of your financial process. Get started with Melio today and free up hours of manual work.

You’re juggling vendors, deadlines, and cash flow challenges, and you deserve a tool that keeps your business agile. Melio has grown rapidly, partnering with top banks, accounting firms, and SaaS platforms to bring you a secure, automated approach to invoice management. Plus, you can Get 90% OFF Melio Subscription Fees for your First 3 Months and experience the difference immediately.

What is Melio?

Melio is a comprehensive invoice software and bill payment platform designed to help businesses manage payables and receivables in one place. It automates manual tasks, provides multiple payment options, and integrates seamlessly with popular accounting systems so you can focus on growth, not paperwork.

Melio Overview

Founded with the mission to simplify business payments, Melio launched its first service in 2018. From humble beginnings, it has quickly become America’s fastest-growing bill pay and invoicing solution. Backed by leading investors and serving millions of businesses nationwide, Melio continues to innovate, adding features like international payments and advanced approval workflows to meet evolving needs.

Today, Melio powers payments for companies of all sizes—directly and through partnerships with top-tier banks, accountants, and software platforms. The team’s vision is clear: eliminate friction from B2B transactions so entrepreneurs can reclaim valuable time and cash flow control.

Pros and Cons

Pros:

• Streamlined automation replaces manual data entry

• Multiple payment methods: ACH, card, check, instant transfers

• International payments with competitive rates

• Two-way sync with QuickBooks and Xero

• Robust user roles and approval workflows

• Mobile app for on-the-go payments and approvals

Cons:

• Some advanced features require paid plans

• Occasional delays in bank processing times

Features

Melio’s feature set covers everything from invoice creation to payment reconciliation. Here’s a closer look at the key capabilities.

Auto Bill Capture

Scan physical bills, import PDF invoices via email, or connect your Gmail to auto-populate your Bills tab.

W-9 Collection & 1099 Sync

Collect contractor W-9 forms directly in the platform and sync vendor data to tax1099.com for fast, error-free 1099 filing.

Multiple Payment Options

Pay via ACH, wire, check, or credit card—even if vendors don’t accept cards—so you always maintain cash flow flexibility.

Fast & Instant Transfers

Never miss a deadline with instant ACH and same-day payments. Vendors receive funds in minutes¹, keeping relationships strong.

Pay Over Time

Split bills into up to 12 monthly installments, letting you manage outflows without straining your bank account.

Mobile App

Approve, track, and make payments anytime, anywhere. Android and iOS apps give you full control on the go.

Batch Scheduling

Group multiple bills by date or vendor into a single transaction—saving time and reducing fees.

Payment Links & Tracking

Send customers a unique payment link. Track status from sent to paid, and reconcile automatically when connected to your accounting system.

Melio Pricing

Whether you’re just starting or managing hundreds of transactions monthly, there’s a plan to fit your needs. To compare plans and start saving, visit Melio.

Go (Free)

Price: $0 forever

Ideal for solo entrepreneurs or testing the platform

Highlights:

• 5 free ACH payments/month
• Unlimited check and credit card payments
• Auto-pay and bill capture

Core ($2.50/mo for 3 mo)

Price: $2.50/month (first 3 months)

Ideal for small teams

Highlights:

• 20 free ACH payments/month
• QuickBooks Online & Xero sync
• Approval workflows & batch payments

Boost ($5.50/mo for 3 mo)

Price: $5.50/month (first 3 months)

Ideal for growing businesses

Highlights:

• 50 free ACH payments/month
• Advanced user roles & custom workflows
• W-9 collection & 1099 automation

Unlimited ($8/mo for 3 mo)

Price: $8/month (first 3 months)

Ideal for high-volume operations

Highlights:

• Unlimited free ACH payments
• Unlimited users & premium support
• Dedicated account manager

Melio Is Best For

From freelancers to midsize firms, Melio adapts to your workflow. Here’s who benefits most:

Small Business Owners

Save hours on manual tasks, gain control over due dates, and maintain healthy cash flow without hiring extra staff.

Freelancers & Contractors

Send professional invoices, collect payments faster with links, and sync everything automatically to your books.

Accounting Teams

Automate reconciliations, enforce approval hierarchies, and support multiple clients from a single interface.

Agencies & Firms

Manage vendor payments for multiple projects, grant limited access to team members, and streamline cross-border transactions.

Benefits of Using Melio

• Time Savings: Automate data entry, approvals, and reconciliations so you reclaim hours every week.
• Cash Flow Control: Pay on your schedule, split payments, and optimize outflows without late fees.
• Security: Industry-leading PCI compliance, multi-factor authentication, and 24/7 monitoring protect your data.
• Flexibility: Choose ACH, card, wire, check, instant transfers, or international payments—all in one platform.
• Transparency: Real-time tracking and reporting give you full visibility into every transaction.
• Scalability: Plans and features grow with you, from a free tier to custom enterprise solutions.

Customer Support

Melio offers responsive, multi-channel support to resolve any issue quickly. Whether you need help setting up integrations, troubleshooting payments, or understanding features, the team is ready via chat, email, or phone.

Paid plans enjoy priority chat support and premium phone access, while enterprise customers receive a dedicated account manager and white-glove onboarding to ensure seamless adoption.

External Reviews and Ratings

Users rave about Melio’s intuitive interface and time-saving automation. Many small business owners note a significant reduction in late fees and improved vendor relationships thanks to instant payments. Accounting professionals praise the reliable QuickBooks and Xero sync, which eliminates reconciliation headaches.

On the downside, a few users have mentioned occasional bank processing delays and the learning curve for advanced approval workflows. Melio addresses these concerns by continuously optimizing processing speeds and providing extensive tutorial support to get teams up to speed quickly.

Educational Resources and Community

Melio maintains an active resource center featuring blog articles, how-to guides, and video tutorials covering topics from cash flow management to tax preparation. Regular webinars and live Q&A sessions help users master new features and best practices.

Join the Melio community forum to connect with peers, share tips, and exchange templates. Whether you’re troubleshooting a specific issue or seeking inspiration for process improvements, the community is a valuable hub of real-world insights.

Conclusion

Implementing the right invoice software transforms how you manage payables and receivables. With Melio’s automation, flexible payments, and robust integrations, you gain time, security, and control. Midway through your evaluation, don’t forget to explore all plans and features at Melio.

Ready to transform your billing? Get 90% OFF Melio Subscription Fees for your First 3 Months and experience the freedom of seamless invoicing and payments.