Searching for the ultimate guide to invoice tracking? You just landed on the right page… Right from the start, Melio empowers your business to automate invoice tracking and get paid faster.

As a small business owner, I know how overwhelming managing multiple invoices, chasing payments, and reconciling records can be. Melio has streamlined these tasks for millions of businesses, backed by leading banks and accounting firms. Plus, you can Get 90% OFF Melio Subscription Fees for your First 3 Months and see the difference immediately.

What is Melio?

Melio is an easy bill-paying and invoicing solution built to simplify your invoice tracking from start to finish. It centralizes incoming and outgoing invoices, automates reminders, and provides real-time visibility into payment statuses—eliminating manual entry and reducing errors.

Melio Overview

Founded in 2018 with a mission to modernize the way businesses handle bills and invoices, Melio has quickly become America’s fastest-growing invoicing platform. By partnering with major banks, accounting firms, and SaaS providers, it now powers payments for millions of vendors and clients nationwide.

Melio’s vision is simple: empower small to medium enterprises with the same efficient, secure payment tools used by large corporations. Through continuous innovation—like instant transfers, international payments, and advanced approval workflows—Melio ensures businesses run smoothly and cash flow stays healthy.

Pros and Cons

Pro: Streamlined invoice tracking—automated bill capture and status updates mean you always know where payments stand.

Pro: Seamless integrations with QuickBooks Online, QuickBooks Desktop, and Xero to keep your accounting data perfectly in sync.

Pro: Multiple payment methods—ACH, wire, card, and instant transfers—so you can choose the speed and cost that fit your cash flow.

Pro: Robust approval workflows and customizable user roles to maintain control while delegating tasks.

Pro: International payments in local currencies with competitive exchange rates and transparent fees.

Pro: Mobile app access for making, tracking, and approving payments on the go.

Con: Some advanced features (like custom approval workflows) require higher-tier plans.

Con: Occasional delays in bank-to-bank transfers when not using instant payments.

Features

Melio packs a comprehensive set of features to supercharge your invoice tracking and payment processes:

Auto Bill Capture for Invoice Tracking

Scan and import bills directly into your dashboard. Melio’s optical character recognition (OCR) reads key details, reducing manual entry.

• Scan PDFs or photos of bills.
• Sync emails from Gmail to auto-import invoices.
• Central inbox for all bills and invoices.

Auto 1099 Sync & W-9 Collection

Prepare for tax season without stress. Melio collects W-9 forms from contractors and syncs 1099 data to tax1099.com.

Pay by Card Even Where Cards Aren’t Accepted

Use your credit card to pay vendors that normally only accept checks or ACH, giving you more flexibility and extended payment terms.

Fast and Instant Payments

Never miss a deadline. Send instant ACH transfers or instant checks so vendors receive funds within minutes.

Pay Over Time

Optional pay-over-time plan lets you split bills into up to 12 monthly installments while vendors get paid in full immediately.

Batch Payments & Approval Workflows

Save hours by grouping multiple bills into a single batch payment. Define approval workflows and user roles to maintain oversight.

International Payments

Pay global vendors in their preferred currency with competitive exchange rates and no hidden fees—all managed from one platform.

Payment Link for Customers

Generate a unique payment link to add to invoices, email signatures, or your website. Customers can pay online via ACH, card, or their preferred method.

Melio Pricing

Choose the plan that aligns with your business size and payment needs. All plans include core features; higher tiers add premium tools.

Go (Free)

Price: $0 forever. Ideal for solo entrepreneurs or micro-businesses starting out.

• 5 free ACH payments per month
• Unlimited check payments
• Basic invoice tracking and bill capture
• Payment link generation

Core ($2.50/mo for 3 mo)

Price: $2.50/month for first 3 months. Great for small teams wanting more volume.

• Up to 20 free ACH payments monthly
• QuickBooks Online & Xero sync
• Batch payments and approval workflows
• W-9 collection and 1099 automation

Boost ($5.50/mo for 3 mo)

Price: $5.50/month for first 3 months. Best for growing businesses needing advanced controls.

• 50 free ACH payments per month
• Advanced user roles and custom workflows
• Premium phone support
• QuickBooks Desktop sync

Unlimited ($8/mo for 3 mo)

Price: $8/month for first 3 months. Perfect for high-volume companies and agencies.

• Unlimited free ACH payments
• Unlimited users and dedicated account manager
• White-glove onboarding and priority support
• Custom approval workflows and classes/locations

Melio Is Best For

Whether you’re a freelancer or a multi-location enterprise, Melio adapts to your invoice tracking needs.

Freelancers & Solopreneurs

Quickly generate payment links, send reminders, and reconcile income without a full accounting team.

Small to Medium Businesses

Automate bill capture, delegate approvals, and maintain full visibility into outgoing and incoming payments.

Accounting Firms & Bookkeepers

Manage multiple client accounts from one dashboard, sync with QuickBooks or Xero, and reduce manual reconciliation.

Growing Enterprises

Scale with custom workflows, unlimited users, batch payments, and white-glove onboarding to support complex payment needs.

Benefits of Using Melio for Invoice Tracking

• Save Time: Automate repetitive tasks like bill capture and reminders, freeing up hours each week.
• Improve Cash Flow: Flexible payment speeds and pay-over-time options help you optimize working capital.
• Enhance Accuracy: Two-way sync with accounting software ensures records are always up to date.
• Increase Control: Approval workflows and user permissions maintain oversight across teams.
• Expand Globally: Seamless international payments let you work with vendors anywhere.
• Boost Professionalism: Branded payment links and on-time payments strengthen vendor relationships.

Customer Support

Melio’s support team is committed to your success. Core plan users get priority chat support, while Boost and Unlimited plans enjoy premium phone support and a dedicated account manager. Response times average under an hour, ensuring that any issue is swiftly resolved.

From onboarding to advanced troubleshooting, Melio’s support resources include detailed documentation, live webinars, and a responsive help center. You’ll never feel stuck—expert guidance is just a message or call away.

External Reviews and Ratings

Users consistently praise Melio’s intuitive interface, reliable syncing with accounting platforms, and the time saved on manual tasks. Many highlight how instant payments and batch processing have eliminated late fees and improved vendor relationships.

Some users note occasional delays when not using instant transfer and suggest more granular reporting. Melio addresses these concerns by rolling out enhanced reporting tools and optimizing transfer processes to minimize wait times.

Educational Resources and Community

Melio offers a robust library of resources: official blog posts on best practices, step-by-step tutorials, quarterly webinars on cash flow management, and a vibrant user community forum. Whether you’re debugging a workflow or seeking tips on optimizing invoice tracking, Melio’s ecosystem has you covered.

Conclusion

Efficient invoice tracking is crucial to maintaining healthy cash flow and growing your business. Melio combines automation, secure payments, and powerful integrations to transform how you send invoices and get paid. Midway through adopting Melio, you’ll notice fewer payment bottlenecks and more time to focus on what matters most: serving your clients. Ready to revolutionize your invoicing? Try Melio today and Get 90% OFF Melio Subscription Fees for your First 3 Months.

Get 90% OFF Melio Subscription Fees for your First 3 Months