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VENTUREGAPS
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Melio

FREEMIUM

Free B2B payment platform for small businesses

Pay vendors easily without complex AP software or manual checks

VG SCORE
9.5
CLOUD (SAAS)

Product Details

CompanyMelio
HeadquartersNew York, New York
Founded2018
PricingFreemium
Free TrialAvailable
DeploymentCloud (SaaS)
Learning CurveModerate
Integrations6 available

■ INTELLIGENCE BRIEFING — Weekly tool drops. No spam.

PROS & CONS

STRENGTHS

  • Free to pay vendors by bank transfer with no monthly fees
  • Pay with credit card even when vendors only accept checks or ACH
  • Simple interface requires no training for small business owners

WEAKNESSES

  • Credit card payments incur 2.9% fee passed to payer or vendor
  • Limited reporting compared to full accounts payable platforms

KEY FEATURES

Bill Payment

Pay vendors by bank transfer, check, or credit card from one dashboard

Vendor Management

Store vendor details and payment preferences for repeat payments

Payment Scheduling

Schedule payments in advance and set up recurring transfers

Approval Workflows

Multi-user approvals for payments above set thresholds

WHO IS Melio BEST FOR?

Small Business Owners

Pay vendors easily without complex AP software or manual checks

Cash Flow Management

Use credit card to pay vendors and extend cash runway

INTEGRATIONS

QuickBooksXeroFreshBooksAmazon BusinessPlaidCapital One

TECHNICAL DETAILS

LEARNING CURVE
MODERATE — FEW HOURS
FREE TRIAL

AVAILABLE

FIELD REPORTS (0)

No field reports yet. Be the first to review Melio.

DOSSIER

COMPANY
Melio
HQ
New York, New York
FOUNDED
2018
LAST VERIFIED MAR 27, 2026

FILED UNDER

PRICING MODEL

BEST FOR

Small Business Owners Cash Flow Management

FEATURES

FINAL ASSESSMENT

APPROVED — WORTH YOUR MONEY