Melio

Overview

Melio handles both sides of your cash flow: paying vendors and collecting from customers. You can pay any business bill by ACH bank transfer, credit or debit card, paper check, wire transfer, or international payment in USD or local currency. Vendors receive payment the way they prefer, even if that differs from how you send it. The free Go plan includes 5 ACH payments per month, invoice creation, payment links, and up to 10 QuickBooks or Xero syncs. Paid plans start at $25 per month and add batch payments, approval workflows, W-9 collection, 1099 automation, and unlimited accounting sync. Melio reports that over 100,000 business owners use the platform, which has processed more than $100 billion in transactions. A 30-day free trial gives you access to all features before you decide which plan fits your business.

Features

• Pay vendors by ACH, card, check, wire, or international transfer even when vendors do not accept cards
• Send and receive invoices with payment links that customers pay by card or bank transfer
• Sync two-ways with QuickBooks Online, QuickBooks Desktop, or Xero to eliminate manual data entry
• Collect W-9 forms from contractors and sync 1099 data to Tax1099 for year-end filing
• Set approval workflows, user roles, and auto-pay schedules to control who spends what

Best for

Melio works best for small businesses that pay multiple vendors each month and want to stop cutting paper checks manually. It also fits businesses that use QuickBooks or Xero and want payments to sync automatically without double entry.