Searching for the ultimate guide to invoice billing? You just landed on the right page. From setting up workflows to collecting payments instantly, Melio has transformed how businesses handle invoicing. Melio simplifies every step, so you can focus on growing your bottom line.

If you’re tired of juggling spreadsheets, chasing late payments, and spending hours on manual tasks, you’re in good company. Millions of businesses trust Melio’s award-winning platform to streamline their financial processes. And right now, you can Get 90% OFF Melio Subscription Fees for your First 3 Months—so there’s never been a better time to automate your invoice billing.

What is Melio?

Melio is a cloud-based invoice billing and bill pay solution designed for small and medium-sized businesses. It brings together everything you need to manage accounts payable and receivable in one intuitive platform. Rather than toggling between multiple tools or spreadsheets, Melio centralizes your vendor payments, client invoices, and cash flow insights.

With Melio, you can pay bills by ACH, check, or card—even if your vendor doesn’t accept cards. On the invoicing side, you send secure payment links that let clients pay instantly by their preferred method. The platform integrates seamlessly with QuickBooks Online, QuickBooks Desktop, and Xero to keep your records up to date without extra data entry.

Melio Overview

Founded in 2018, Melio set out to solve a simple but critical challenge: reducing the time and cost associated with invoice billing for small businesses. The team’s mission was to create a user-friendly solution that matches the ease of consumer payment apps.

Since launch, Melio has powered bill pay and invoicing for millions of companies, partnering with leading banks, accounting firms, and SaaS platforms. Rapid growth, rave reviews, and industry awards have cemented its reputation as America’s fastest-growing business payments solution.

Pros and Cons

Pro: Complete invoice billing automation—scan, import, pay, and reconcile in minutes.

Pro: Flexible payment methods—ACH, check, card, instant transfers, and international payments.

Pro: Two-way sync with QuickBooks Online, QuickBooks Desktop, and Xero for real-time data accuracy.

Pro: Collaborative workflows—assign tasks, set permissions, and approve payments with granular control.

Pro: Pay over time—break large bills into up to 12 monthly installments to optimize cash flow.

Pro: Mobile app for on-the-go invoice billing, tracking, and approvals.

Con: Advanced features like unlimited users and dedicated account managers require higher-tier plans.

Con: Occasional learning curve for businesses new to payment automation.

Features

Melio’s feature set covers every angle of invoice billing and bill pay. Here are the highlights:

Auto Bill Capture

Save hours of data entry by scanning bills or importing invoices directly from your Gmail account.

• Batch import multiple invoices at once.
• Centralized Bills tab for easy tracking.

Payment Methods

Offer vendors and clients the flexibility they want:

• ACH transfers and expedited ACH.
• Check payments mailed on your behalf.
• Card payments even where cards aren’t accepted.
• Instant transfers—funds delivered within minutes¹.
• International payments in local currencies with transparent fees.

Cash Flow Management

Maintain control over timing and amounts:

• Pay later with up to 12-month installments.
• Choose payment speed to match your cash position.
• Real-time balance and upcoming due date alerts.

Accounting Integrations

Keep your books accurate without extra work:

• 2-way sync with QuickBooks Online and Desktop.
• Sync with Xero for instant reconciliation.
• Auto-matched transactions to save hours of manual entry.

Team Collaboration

Streamline approvals and maintain oversight:

• Assign user roles and permissions.
• Custom approval workflows and audit trails.
• Priority chat and phone support for higher tiers.

Melio Pricing

Whether you’re a solopreneur or a growing enterprise, Melio has a plan to fit. All paid plans include unlimited payments and core automation features for seamless invoice billing.

Go (Free)

Price: $0 forever
Ideal for solo operators with light billing needs.
Highlights:

• 1 user
• 5 free ACH payments per month
• Standard ACH, check, and card payments
• Basic bill capture

Core ($2.50/mo for 3 mo)

Price: $2.50/mo for the first 3 months, then $25/mo
Ideal for small teams seeking more transactions.
Highlights:

• Up to 20 free ACH per month
• QuickBooks Online & Xero sync
• Batch payments and W-9 collection
• Priority chat support

Boost ($5.50/mo for 3 mo)

Price: $5.50/mo for 3 months, then $55/mo
Perfect for mid-sized businesses.
Highlights:

• 50 free ACH per month
• Approval workflows and advanced roles
• QuickBooks Desktop sync
• Premium phone support

Unlimited ($8/mo for 3 mo)

Price: $8/mo for 3 months, then $80/mo
Unlimited users and full feature access.
Highlights:

• Unlimited ACH transactions
• Dedicated account manager
• Custom onboarding and white-glove support
• Custom approval workflows

Melio Is Best For

Not all businesses have the same needs. Here’s who benefits most from Melio:

Freelancers & Solo Owners

Manage simple invoice billing with minimal cost and zero friction. Automate reminders and accept card payments even if your clients prefer other methods.

Small Teams

Collaborate on bill approvals, maintain oversight, and sync with QuickBooks Online or Xero. Handle international vendors and pay on your terms.

Growing Enterprises

Scale workflows, add unlimited users, and assign granular roles. Enjoy white-glove onboarding, dedicated support, and robust cash flow management.

Accounting Firms & Bookkeepers

Offer clients streamlined invoice billing and payment solutions under one roof. Use Melio’s two-way sync to keep every client’s books accurate without hopping between dashboards. Melio makes your practice more efficient and profitable.

Benefits of Using Melio

• Save Hours of Manual Work
  Automate data entry with auto bill capture and software sync.
• Improve Cash Flow
  Pay bills when it suits you and get paid faster with instant transfers.
• Boost Efficiency
  Batch payments, custom approvals, and team collaboration cut processing time by up to 90%.
• Reduce Errors
  Eliminate manual reconciliation with automatic syncing to QuickBooks and Xero.
• Enhance Professionalism
  Send branded payment links and reminders directly from Melio’s interface.

Customer Support

Melio offers responsive support across multiple channels. Whether you need help via in-app chat, email, or phone, the Melio team is ready to assist. Priority and phone support are available on paid plans to ensure your payment processes never stall.

Knowledgeable agents guide you through setup, troubleshoot issues, and share best practices for invoice billing. With an extensive help center and resource library, answers are always just a click away.

External Reviews and Ratings

Users praise Melio for its intuitive interface and robust feature set. On G2 and Capterra, it holds an average rating above 4.8 stars. Small businesses love the simplicity of sending payment links, while accountants highlight the reliability of the two-way QuickBooks sync.

Some users note a brief adjustment period when transitioning from manual processes. Melio addresses feedback by providing comprehensive onboarding guides and personalized support to smooth the learning curve.

Educational Resources and Community

Melio maintains an active blog with tutorials, case studies, and best practices for invoice billing and bill pay. Webinars and live Q&A sessions keep you up to date on new features and workflows. The user community forum connects you with peers to share tips and success stories.

From step-by-step guides on setting up auto-pay to deep dives on optimizing cash flow, Melio’s resources empower you to master invoice billing once and for all.

Conclusion

Efficient invoice billing is no longer a luxury—it’s essential to running a thriving business. Melio automates the entire process, integrates with your accounting software, and offers flexible payment options that align with your cash flow. Mid-article reminder: streamline your processes today by signing up at Melio.

Ready to transform your invoice billing and reclaim hours of your day? Get 90% OFF Melio Subscription Fees for your First 3 Months