Searching for the ultimate guide to invoice automation? You just landed on the right page. Melio has transformed how businesses handle billing and payments since 2018. Start today with Melio and Get 90% OFF Melio Subscription Fees for your First 3 Months.

Handling manual billing tasks can drain time and resources. I’ve been there—endless chasing invoices, reconciling data, worrying about cash flow. With Melio’s advanced automation platform, thousands of businesses are streamlining payments, reducing errors, and getting paid faster without switching banks or sacrificing control.

What is Melio?

Melio is an all-in-one invoice automation solution designed for small to medium-sized businesses. It automates bill pay and invoicing workflows, integrates seamlessly with leading accounting software, and offers multiple payment methods—all in one browser-based or mobile platform.

Melio Overview

Melio was founded in 2018 with a mission to simplify business payments and invoicing. Backed by industry leaders, it quickly gained traction—powering bill pay and invoicing for millions of businesses and their vendors. In under five years, Melio has become America’s fastest-growing bill pay solution, trusted by accounting firms, banks, and SaaS platforms alike.

Driven by user feedback, Melio continuously evolves—adding instant transfers, international payments, and advanced approval workflows. Today, it enables businesses to pay and get paid with unprecedented speed and transparency.

Pros and Cons

Pros:

• Automates manual billing tasks, saving hours every week.
• Seamless 2-way sync with QuickBooks Online, Desktop, and Xero.
• Flexible payment methods: card, ACH, wire, check, international.
• Instant transfers options to avoid late fees.
• Customizable approval workflows and user roles.
• Dedicated bills inbox and auto bill capture from email.

Cons:

• Some advanced features require paid plans.
• International payment fees vary by currency and region.

Features

Melio is packed with features that streamline every aspect of your billing and invoicing.

Auto Bill Capture

Scan paper bills, import invoices directly from Gmail, or send them to your dedicated Bills tab. Eliminate manual data entry and reduce errors.

Two-Way Accounting Sync

Keep your books up to date with automatic sync:

• QuickBooks Online & Desktop integration
• Xero integration

Flexible Payment Methods

Pay vendors by credit or debit card, ACH, wire transfer, or check—even when they don’t accept cards. Retain cash on hand and extend payment terms.

Instant & Fast Payments

Never miss a deadline with instant transfers. Ensure vendors are paid within minutes and maintain strong relationships.

International Payments

Expand globally—pay vendors in their local currency with competitive exchange rates and transparent fees.

Approval Workflows & User Roles

Assign operational tasks while maintaining oversight. Customize user permissions and approval chains for secure, efficient collaboration.

Pay Over Time

Manage cash flow by splitting bills into up to 12 monthly installments. Vendors get paid on time, you preserve budget flexibility.

Mobile App

Approve, track, and execute payments on the go with Melio’s iOS and Android apps. Stay in control even when you’re away from the office.

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Melio Pricing

Choose the plan that fits your growth stage and budget.

Go (Free)

Price: $0/month forever
Ideal for solo operators and startups.

• 1 user
• 5 free ACH payments/month
• Bill capture, pay by card, international payments

Core ($2.50/mo for 3 mo)

Price: $2.50/month for first 3 months
Perfect for small teams expanding payment volume.

• 20 free ACH payments/month
• QuickBooks & Xero sync
• Batch payments, auto-pay

Boost ($5.50/mo for 3 mo)

Price: $5.50/month for first 3 months
For businesses needing advanced workflows.

• 50 free ACH payments/month
• Advanced user roles & approval workflows
• QuickBooks Desktop sync, W-9 collection, 1099 automation

Unlimited ($8/mo for 3 mo)

Price: $8/month for first 3 months
Unlimited users and ACH transactions.

• Unlimited ACH payments
• Dedicated account manager & white-glove onboarding
• Premium phone support

Melio Is Best For

Whether you’re a freelancer or a multi-location business, Melio scales with you.

Freelancers & Solopreneurs

Simplify client billing, get paid faster with payment links, and sync automatically to your books.

Small to Medium-Sized Businesses

Streamline vendor payments, set up approval workflows, and monitor cash flow in real time.

Accounting Firms & Agencies

Offer clients a seamless payment solution, reduce bookkeeping errors, and manage multiple businesses from one dashboard.

Benefits of Using Melio

• Save Time: Automate manual tasks and focus on growth.
• Improve Cash Flow: Choose payment speeds that suit your budget.
• Increase Accuracy: Sync data automatically to eliminate discrepancies.
• Gain Visibility: Track every stage of outgoing and incoming payments in real time.
• Scale Securely: Control user access, approval workflows, and audit trails.

Customer Support

Melio’s support team is highly responsive. Core and Boost plans include priority chat support, while Unlimited subscribers gain access to premium phone assistance and a dedicated account manager. All users benefit from 24/7 security monitoring and multi-factor authentication to safeguard transactions.

Whether you need onboarding guidance or troubleshooting, Melio’s knowledgeable agents are available via in-app chat, email, or phone—ensuring your invoice automation runs smoothly.

External Reviews and Ratings

Users praise Melio’s intuitive interface and time-saving automation. Common highlights include seamless QuickBooks sync, transparent fee structures, and fast vendor payments. Some users on free plans note ACH limits as a constraint, but most find upgrading to Core or Boost resolves volume concerns.

Criticism around international payment fees has led Melio to negotiate more competitive rates and add fee transparency features—demonstrating the team’s commitment to continuous improvement.

Educational Resources and Community

Melio offers an extensive blog covering best practices for bill pay, cash flow management, and productivity tips. Regular webinars, tutorials, and a user forum foster peer support and feature feedback. Join the community to share insights, ask questions, and stay ahead in your financial operations.

Conclusion

Automating your billing and payments has never been easier. From bill capture to instant transfers and international payouts, Melio streamlines every step of invoice automation. Ready to reclaim hours of manual work and get paid faster? Get 90% OFF Melio Subscription Fees for your First 3 Months and experience seamless payments on your terms.

Get 90% OFF Melio Subscription Fees for your First 3 Months and transform your billing process today.