Melio

What Melio is

Melio is a business platform for bill pay, invoicing, accounts payable, accounts receivable, and payment processing. It can capture bills through OCR or a dedicated email address, route them through approval workflows, and sync payments with QuickBooks, Xero, or NetSuite. Businesses can make one-time, recurring, and batch payments using ACH, cards, instant transfers, paper checks, and other methods. International vendor payments can be made in USD or local currencies, and vendors can be paid without creating an account. Teams can assign roles such as viewer, approver, and admin. The mobile app supports reviewing, approving, paying, and managing payables and receivables. Agent Mel answers questions about bills, vendors, and payments, and W-9 collection connects with Tax1099 e-filing sync. The Go plan is free for one user and includes five ACH payments monthly; each additional ACH payment costs $0.50. A 90-day trial offers access to all features, after which accounts without a paid subscription move to the limited Go plan. Core costs $25/mo after the trial, Boost $55/mo, and Unlimited $80/mo. Melio says it is built for US businesses and lists an annual SOC 2 Type II audit and several ISO certifications.