Melio
Melio is an accounts-payable tool built for small businesses that still pay vendors by check and bank transfer. You upload or forward a bill, Melio captures the details, and you pay by free ACH bank transfer - or by credit card for a fee, even when the vendor only accepts checks or bank deposits, because Melio converts the payment on the other end. That card trick is the killer feature: it turns a credit card into a cash-flow buffer and points machine for rent, inventory, and contractor bills. It syncs two-way with QuickBooks Online, which keeps the books clean. The honest knock is that it is US-focused, support is thin when payments get delayed, and ACH timing can be slow on the free rails. Buy it to kill manual bill-pay; skip it if you need full procurement or global payables at scale.
Why we rate it
- ACH bank-to-bank vendor payments are free
- Pay by credit card even where vendors do not accept cards, useful for cash flow
- Two-way sync with QuickBooks Online keeps AP records tidy
Keep in mind
- Card payments carry a roughly 2.9% fee that only makes sense for float or rewards math
Community discussion
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