About Melio
Melio lets small businesses pay vendors and bills by bank transfer (free), card (2.9% fee), or check (Melio mails it for you). It's free for bank transfers, making it the cheapest AP solution for small businesses. Schedule payments, sync with QuickBooks, and pay vendors who only accept checks without writing any yourself.
What's Great
- ✓Free bank transfers make it the cheapest AP solution for small businesses
- ✓Mails physical checks on your behalf so you never need to write one
- ✓QuickBooks sync keeps payments and accounting in alignment
- ✓Schedule payments to optimize cash flow timing
Watch Out For
- !Card payments carry a 2.9% fee which adds up on large payments
- !Limited to accounts payable — not a full invoicing or billing platform
- !Primarily a US-focused tool with limited international payment options
Common Use Cases
Small business paying vendors by bank transfer at no cost
Bookkeeper managing accounts payable with QuickBooks sync
Business owner paying vendors who only accept checks without writing them manually
Pricing Model
Freemium
Free plan available. Paid plans unlock advanced features and higher limits.
Category
Payment Processing
Accept online payments via cards, ACH, and international payment methods.
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