Discover if Melio is worth your time with our review!

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Melio Accounting Review: Is it the Best Free Payments App?


Key Points:

  • Melio is a free B2B payment platform that charges transaction fees only.
  • It offers features like flexible bill capture, approval workflow automation, and international payments.

In our Melio accounting review, we explore the use cases for this digital B2B payment solution for modern businesses. Melio allows for free usage and charges only for certain types of transactions. While lacking advanced accounting features, Melio promises to make vendor payments easier to manage and improve cash flow. Here are the key features and benefits of using Melio:

Key Elements of the Article:

What is Melio Accounting?

Melio is a digital B2B payments platform that enables businesses to make and receive online payments. It focuses on bridging the gap in the US universal payment infrastructure and offers services like accounts payable, accounts receivable, approval workflow automation, flexible bill capture, international payments, and more.

Melio Pricing and Plans

Melio is a free platform that charges only for certain transaction types, such as mailed checks, card payments, instant transfers, and international payments. Users can enjoy features like unlimited users, approvals, bill capture, and data export for free.

User Interface and Ease of Use

Melio offers a web-based application with a highly responsive design suitable for mobile devices as well. The software is easy to use, with a minimalist web app interface that focuses on key modules like pay, get paid, contacts, and settings. The platform also offers an iPhone app with limited functionalities for on-the-go payments.

User Reviews and Trustworthiness

Melio has received positive reviews from customers on platforms like G2, Capterra, and Trustpilot, with ratings above 4 out of 5. Users appreciate the simple UI, free ACH payments, and collaborative workflows. However, some users have reported delays in ACH payments.


In conclusion, Melio is a highly recommended payment platform for small businesses looking for convenient B2B payment solutions. It offers a range of features, competitive pricing, and excellent user experience. While not a replacement for full-scale accounting software, Melio is a valuable tool for managing vendor payments and improving cash flow.

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