Melio
Free bill pay and accounts payable for small businesses.
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Melio is a free bill payment platform that lets small businesses and freelancers pay vendors and suppliers by bank transfer or card, even if the vendor only accepts checks. It simplifies accounts payable with scheduled payments, payment approvals, and direct sync to QuickBooks and Xero — particularly valuable for freelancers who have regular contractor or vendor payments.
Our Scores
4.4
Ease of Use
4.0
Features
4.7
Value
3.9
Support
Pros & Cons
Pros
- ✓Free for bank transfers — no monthly fee
- ✓Pay any vendor by bank transfer even if they only accept checks
- ✓Pay with credit card to earn rewards (small fee applies)
- ✓Sync with QuickBooks and Xero for automatic bookkeeping
- ✓Schedule future payments and set up payment approvals
Cons
- ✗Focused on paying bills, not receiving payments or invoicing
- ✗Credit card payments have a 2.9% fee
- ✗No international wire transfers
- ✗Not a full accounting solution
Best For
- →Freelancers who pay contractors or vendors regularly
- →Small businesses wanting to pay bills with a card for cash back
- →Those who want to digitize check payments
- →Businesses syncing payments directly to QuickBooks or Xero
Not Ideal For
- ✗Freelancers who only receive payments (not send them)
- ✗Those needing international payments
- ✗Anyone who needs invoicing alongside bill pay
Pricing Plans
Free
Free
- ✓Unlimited ACH payments
- ✓QBO and Xero sync
- ✓Scheduled payments
- ✓Payment approvals
Frequently Asked Questions
Is Melio really free?
ACH bank transfers are free with no limits. Paying by credit card incurs a 2.9% fee. Expedited ACH (next day) costs $1.50. For most users, the free ACH option covers all needs.
Can I use Melio to pay contractors?
Yes. Melio is ideal for paying contractors and subcontractors. You can pay by bank transfer and your contractor receives a check or direct deposit depending on their preference.
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Tax Information Notice
This content is for informational and educational purposes only. It does not constitute tax, legal, or financial advice. Tax laws change frequently. Always consult a qualified CPA or Enrolled Agent for your specific situation.