About Melio
Melio is a B2B payments and accounts-payable tool for small businesses. You pay vendors, contractors and bills from one place — by free bank transfer or by card — and Melio delivers the money the way the recipient wants (bank deposit or a mailed check), even if they don't take cards.
Its appeal is cash-flow flexibility with no software cost: pay on your terms (use a card to defer payment and earn rewards while the vendor still gets a bank transfer), keep everything reconciled with QuickBooks or Xero, and skip the monthly fee entirely.
The honest list
What we love
＋Free to send unlimited bank transfers
＋Pay by card even where cards aren't accepted
＋No monthly fee for the core workflow
＋Syncs with QuickBooks and Xero
＋Great cash-flow flexibility for small businesses
Watch out for
−Card payments carry a ~2.9% fee
−US-focused — not for global payments
−Advanced controls need a paid tier