--- description: Learn more about Melio price, benefits, and disadvantages for businesses in South Africa. Read reviews from verified users and discover similar tools. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: Melio Price, Reviews & Features - Capterra South Africa 2026 --- Breadcrumb: [Home](/) > [Accounts Payable Software](/directory/30520/accounts-payable/software) > [Melio](/software/184673/melio) # Melio Canonical: https://www.capterra.co.za/software/184673/melio Page: 1 / 17\ Next: [Next page](https://www.capterra.co.za/software/184673/melio?page=2) > Melio is a cloud-based AP/AR solution that helps businesses manage vendor payments, optimize cash flow, and streamline finances. > > Verdict: Rated **4.2/5** by 401 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Who Uses Melio? Caters to business owners and finance teams in the US to streamline AP and AR and improve cash flow. Also, ideal for US accountants seeking an AP solution. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.2/5** | 401 Reviews | | Ease of Use | 4.3/5 | Based on overall reviews | | Customer Support | 4.0/5 | Based on overall reviews | | Value for Money | 4.3/5 | Based on overall reviews | | Features | 4.1/5 | Based on overall reviews | | Recommendation percentage | 80% | (8/10 Likelihood to recommend) | ## About the vendor - **Company**: Melio - **Founded**: 2018 ## Commercial Context - **Starting Price**: US$25,00 - **Pricing model**: Per User (Free version available) (Free Trial) - **Pricing Details**: Subscription fee: Free Credit/Debit card transaction fee: 2.9% Bank transfer (ACH): Free Same-day bank transfer: 1% Sending checks (with USPS): Free Expedited check delivery (with FedEx): $20 International USD transfer: $20 - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 1 001–5 000, 5 001–10 000, 10 000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile) - **Supported Languages**: English - **Available Countries**: United States ## Features - ACH Payment Processing - Accounts Payable - Accounts Receivable - Approval Workflow - Bank Reconciliation - Billing & Invoicing - Cash Management - Client Management - Contact Database - Customer Statements - Customizable Invoices - Debit/Credit Card Processing - Document Management - Due Date Tracking - Dunning Management - Duplicate Payment Alert - Electronic Funds Transfer - Expense Tracking - General Ledger - Invoice Management - Invoice Processing - Mobile Payments - Multi-Currency - Multi-Period Recurring Billing - Multiple Payment Options - Online Payments - PCI Compliance - Payment Processing - Receivables Ledger - Recurring/Subscription Billing - Reporting & Statistics - Reporting/Analytics - Task Management - Third-Party Integrations ## Integrations (4 total) - FreshBooks - QuickBooks Desktop - QuickBooks Online - QuickBooks Online Advanced ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Chat ## Category - [Accounts Payable Software](https://www.capterra.co.za/directory/30520/accounts-payable/software) ## Related Categories - [Accounts Payable Software](https://www.capterra.co.za/directory/30520/accounts-payable/software) - [Billing and Invoicing Software](https://www.capterra.co.za/directory/30015/billing-and-invoicing/software) - [Accounts Receivable Software](https://www.capterra.co.za/directory/30521/accounts-receivable/software) - [Payment Processing Software](https://www.capterra.co.za/directory/30232/payment-processing/software) - [Recurring Billing Software](https://www.capterra.co.za/directory/30927/recurring-billing/software) ## Alternatives 1. [QuickBooks Online](https://www.capterra.co.za/software/141374/quickbooks-online) — 4.3/5 (8393 reviews) 2. [Xero](https://www.capterra.co.za/software/169561/xero) — 4.4/5 (3273 reviews) 3. [QuickBooks Enterprise](https://www.capterra.co.za/software/46497/quickbooks-enterprise) — 4.5/5 (20613 reviews) 4. [Stampli](https://www.capterra.co.za/software/147301/stampli) — 4.8/5 (463 reviews) 5. [QuickBooks Desktop](https://www.capterra.co.za/software/173879/quickbooks-desktop-pro) — 4.4/5 (2551 reviews) ## Reviews ### "Started off okay, then crashed and burned" — 1.0/5 > **Julie** | *19 November 2024* | Real Estate | Recommendation rating: 0.0/10 > > **Pros**: I liked having a central place to pay my bills from. Worked decently at first... but then... > > **Cons**: Melio became a raging dumpster fire for me right around the time they started rolling out their paid plans. I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface... all things that had operated fine (if not flawlessly) before. I was willing to put up with a certain amount of hassle factor in exchange for the service, but when service quality noticeably deteriorated simultaneously with them rolling out a required paid plan, I couldn't run away fast enough (I see now there's a limited free option, but initially that wasn't there). Also, yes it integrates with QBO, but not in a logical way to my non-bookkeeper mind. I found it very confusing and not a smooth process at all. Uploading invoices and pulling info from them is good in theory but rarely worked in practice. Bad info would get pulled in and I'd have to edit. It would drop vendor names and I'd have to re-enter. (oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was incomplete\!) I could choose to not upload invoices, but then sometimes payment would fail because there was no invoice\! Overall maddening. > > It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. It wasn't the smoothest ever - seemed like lots of extra/unnecessary clicks to do what you need to do - but the best thing I could find at the time. (more than once I didn't ACTUALLY send a payment that I thought I did, because their process involves several steps of confirmation and the last step looks like a confirmation page... but you have to actually scroll down to the bottom of the page and approve the payment one more time, before it will be sent. And the page is formatted just long enough that the button is not visible on a regularly sized browser screen, you have to scroll down to see it). Support was slow and usually refused to answer my questions at first because I logged in with my Intuit account and apparently they couldn't match up the email address I'd send requests from with my Melio account. I learned I needed to tell them in the initial email that the email address I was using was my Intuit account and that's how I log in to Melio. Towards the end, support just flat out refused to respond to me at all - even when I reached out multiple times (all I wanted to do was cancel a recurring payment - that always failed b/c of aforementioned vendor name issue - but I couldn't log in anymore without paying for a plan). Later on as they began rolling out the paid version, the site became very buggy, I had issues with payments being processed that they couldn't explain, and overall became a total hair-pulling event every time I signed in. Completely incompatible with running a professional business. I shifted all my banking to Relay that has built in support for bill payment. I'm paying a bit for the service, but it does everything Melio claimed to do except better, and the integration with QBO is much more intuitive. And you can get a knowledgeable human on the phone within 10 minutes if you have a question\! Wish I'd made that switch ages ago. ----- ### "Hands down my favorite AP software" — 5.0/5 > **Kara** | *08 May 2025* | Accounting | Recommendation rating: 10.0/10 > > **Pros**: Melio is very user-friendly and has great integration with QuickBooks > > **Cons**: I'm not a fan of the recent move to a subscription-based service, but the value provided is still the best on the market for the price point. ----- ### "Simple way to make payments" — 4.0/5 > **Elizabeth** | *03 December 2024* | Financial Services | Recommendation rating: 9.0/10 > > **Pros**: We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner. Previously, bill payments were made one by one and this took hours due to the complexity of entering data. Now I only have to upload the bills and Melio does everything for me. I like it because it does the boring work of entering data. > > **Cons**: I don't think anything went wrong. The only thing I would change is the customer service because they don't provide fast service. > > It makes the whole process of paying bills easier and spending hours entering data. It is quite useful for making online payments very quickly. ----- ### "Smooth Business Transactions" — 5.0/5 > **Kimb** | *16 March 2025* | Design | Recommendation rating: 9.0/10 > > **Pros**: It's the most suitable for business accounting software integration that will make everything smooth and clear > > **Cons**: There is a chance of card payments to result in significant fees if you use the service frequently > > I have to say that I've had a so-so experience with Melio for payments processing ----- ### "Simple Option for Paying Bills" — 5.0/5 > **Jonah** | *14 May 2025* | Writing & Editing | Recommendation rating: 9.0/10 > > **Pros**: Lets me send payments by bank or card, even if the other person doesn’t use Melio > > **Cons**: Some payments take a bit longer to go through, but it gets the job done well ----- Page: 1 / 17\ Next: [Next page](https://www.capterra.co.za/software/184673/melio?page=2) ## Links - [View on Capterra](https://www.capterra.co.za/software/184673/melio) ## This page is available in the following languages | Locale | URL | | de | | | de-AT | | | de-CH | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-IL | | | en-IN | | | en-NZ | | | en-SG | | | en-ZA | | | fr | | | fr-BE | | | fr-CA | | | fr-LU | | ----- ## Structured Data