Looking for a seamless way to send payment links and collect funds in minutes? You’re in the right place. With Melio, you can embed a unique payment link into invoices, emails, or your website and let customers pay however they choose. Get 90% OFF Melio Subscription Fees for your First 3 Months and start simplifying your billing today.

Managing invoices, chasing overdue bills, and reconciling payments drains time and energy. I’ve been there—hours wasted on manual follow-ups and spreadsheets. That’s why Melio’s payment links have been a game-changer for my cash flow. Tap into this solution trusted by millions of businesses and see your payments arrive faster.

What is Melio?

Melio is an all-in-one bill pay and invoicing platform designed for small and medium businesses. It simplifies both outgoing payments and incoming collections by offering:

• Automated payment workflows
• Secure payment links for customers
• Integration with QuickBooks and Xero
• Global vendor payments in multiple currencies

Melio Overview

Launched to streamline accounts payable and receivable, Melio’s mission is to give businesses freedom from manual processes. Since its inception, it has grown into America’s fastest-growing bill pay and invoicing solution, powering payments for millions through direct sign-ups and partnerships with leading banks, accounting firms, and SaaS platforms.

With every release, Melio adds new automation—like 2-way auto sync with QuickBooks Online/Desktop and Xero, W-9 collection, and instant transfers—so you spend less time on busywork and more time scaling your business.

Pros and Cons

Pros:

1. Effortless payment links: Send a link via email or embed it in invoices for seamless customer payments.

2. Automation: Auto-capture bills, sync with accounting software, and reduce manual errors.

3. Flexible pay options: ACH, credit card, check, instant transfers, and pay-over-time plans.

4. Global reach: Pay vendors in their preferred currency with transparent fees and competitive exchange rates.

5. Approval workflows: Assign user roles and permissions for multi-step payment approvals.

6. Mobile app: Approve and track payments on the go.

Cons:

1. Transaction fees on card payments may be higher than bank transfer fees.

2. Some advanced features require paid plans.

Features

Payment Links

Create a personalized link that you can add to invoices, emails, or your website. Customers choose their preferred payment method—ACH, card, or instant transfer—and pay securely.

• Real-time status updates (sent, pending, paid)
• Automatic reconciliation with accounting software
• Option to speed up payments for urgent cash needs

Bill Capture

Scan paper bills, import from email, or forward PDFs directly to Melio. All bill details auto-populate, reducing manual entry.

Approval Workflows

Customize user roles and permissions. Route payments through multiple approvers for better internal controls.

Global Payments

Pay vendors in over 100 currencies with a transparent fee structure and competitive rates.

Accounting Sync

Maintain up-to-date records with 2-way sync for QuickBooks Online, QuickBooks Desktop, and Xero.

Instant Transfers

Send funds to vendors within minutes, ensuring you never miss deadlines or incur late fees.

Melio Pricing

Melio offers a range of plans to fit every business size and budget. Get 90% OFF Melio Subscription Fees for your First 3 Months and explore which plan suits your needs.

Go (Free)

Price: $0/month

• 5 free ACH payments per month
• Basic payment links and bill pay features
• 1 user seat

Core ($2.50/mo for 3 mo)

Ideal for solo business owners looking for more volume.

• 20 free ACH payments per month
• QuickBooks & Xero sync
• Batch payments and auto-pay

Boost ($5.50/mo for 3 mo)

Great for growing teams requiring advanced controls.

• 50 free ACH payments per month
• Advanced user roles & approval workflows
• Premium phone support

Unlimited ($8/mo for 3 mo)

Best for high-volume businesses needing unlimited transactions.

• Unlimited ACH
• Unlimited users
• Dedicated account manager & white-glove onboarding

Melio Is Best For

Small Business Owners

Simplify billing and collections with user-friendly payment links and automated follow-ups.

Accountants & Bookkeepers

Streamline vendor payments for multiple clients using batch scheduling and accounting sync.

Freelancers & Contractors

Get paid on time via credit card or bank transfer—no more chasing clients.

Growing Companies

Implement approval workflows and multi-user roles to scale payment operations securely.

Benefits of Using Melio

• Accelerated Cash Flow: Instant transfers and payment link speeds get money in your bank within minutes.
• Time Savings: Automate bill capture, reminders, and reconciliation to reclaim hours each week.
• Improved Accuracy: Two-way sync with accounting platforms eliminates data entry errors.
• Global Capability: Pay vendors worldwide in their currency, all from one dashboard.
• Better Control: Assign roles, approvals, and track every payment step for full visibility.

Customer Support

Melio’s support team is responsive and knowledgeable. Whether you need help setting up payment links or resolving a reconciliation issue, you’ll connect with real experts via chat, email, or phone.

Priority phone support and dedicated account managers are available on higher-tier plans, ensuring your questions are addressed swiftly and comprehensively.

External Reviews and Ratings

Users praise Melio for its intuitive interface and reliable sync with accounting software. Many highlight how payment links have cut down on overdue invoices and reduced follow-up time.

Some feedback notes transaction fees on card payments can add up, but Melio’s transparent pricing and optional ACH transfers help mitigate these costs.

Educational Resources and Community

Melio maintains an extensive blog covering cash flow management tips, invoicing best practices, and software tutorials. Webinars and on-demand video guides help you maximize every feature.

Join the Melio community on social media and user forums to exchange ideas, ask questions, and stay updated on new releases.

Conclusion

Payments shouldn’t be stressful. With Melio’s payment links and automation suite, you can streamline billing, accelerate cash flow, and focus on growing your business. Ready to transform how you get paid? Get 90% OFF Melio Subscription Fees for your First 3 Months and experience effortless invoicing today.