I did not want to have to do this.. since things were going well all these years. As a small business, our ability to function relies heavily on prompt and reliable payment processing. We are ext... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Can't create a account. Can't reset a pw if an account exists. Can't login to their website with or without Intuit id as they want me to sign in with Intuit. Zoom meetings with their does not conne... See more
Company replied
A mistake was made with the bank account number, which was quickly resolved by Sara V who straightened out the problem. Thanks so much for your excellent personal customer service.
Company replied
The AI chat bot BAD; Human service GREAT. The email Melio was not very well worded to guide me to what I needed to do. The AI chat bot was utterly useless until it finally gave me the option of con... See more
Company replied
Company details
- Business-to-Business service
- Accounting Software Company
- Alternative Financial Services
- Money transfer service
- Non-bank financial service
- Payment service
Written by the company
Melio is a free vendor/bill payment tool that maximizes cash flow and minimizes busywork. Pay any vendor using bank transfer or debit card for free even if they only accept checks! You can also use your credit card where cards are not accepted to hold onto your cash longer and earn card rewards! Accounts Payable re-invented. Melio automatically syncs with your QuickBooks and even mails checks on your behalf to vendors so you don't need to cut checks anymore.
Contact info
18 West 18th Street, 8th Floor, 10011, New York, NY, United States
- (646) 665-4684
- info@meliopayments.com
- meliopayments.com
3.4
Average
2k reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
I had some payment concerns as some…
I had some payment concerns as some processes seem to change without any notice. Working with Amanda was a treat as she was very professional and patience with my frustration and answered every question and addressed every concern that I had.
9 January 2026
Unprompted review
Reply from Melio
Hi David,
Thank you for sharing your experience! We appreciate you taking the time to let us know, and we understand how unexpected changes can be frustrating.
We’re delighted to hear that Amanda was able to support you through your concerns with professionalism and patience. We’ll be sure to pass along your kind words to her. Thanks again for your feedback.
All the best,
Team Melio
My account was charged but the vendor was never paid
A vendor payment was charged to my account on December 12, 2025. As of January 9, 2026 the vendor has not received the payment. Melio was supposed to send me a letter showing I paid on time so that the vendor would waive late fees, but they did not. I ended up protesting the charge from Melio and paying the vendor myself. So much for saving time.
12 December 2025
Unprompted review
Reply from Melio
Hi Richard,
Thank you for sharing your experience. We understand how frustrating it is when a vendor payment does not reach its destination as expected, especially when timing is critical and late fees are involved.
We’d appreciate the opportunity to review your case more closely, as we’re not currently able to locate a recent support interaction tied to the details in your review. It’s important to us to understand what happened and determine whether there’s anything we may have missed or could have handled better.
Please reach out to us at reviews@melio.com with your account and payment details so we can take a closer look and follow up accordingly. We value your feedback and the opportunity to address your concerns.
All the best,
Team Melio
Excellent customer service- listened to…
Excellent customer service- listened to the issue patiently and is helping to resolve it. Very polite and empathetic.
8 January 2026
Unprompted review
Reply from Melio
Hi Dawn,
Thank you for taking the time to share your experience. We’re pleased to hear that our Support team provided patient and empathetic support to resolve any issues you had.
We appreciate your feedback and are glad we could assist!
All the best,
Team Melio
Fees/Errors
Unfortunately, we experienced multiple administrative errors on their end that created ongoing issues. Checks were applied late, posted to the wrong accounts, and in some cases entered twice. As a result of these mistakes, we were charged fees for payments that were only incorrect due to their own double entries. When brought to their attention, they refused to refund the fees or take responsibility for the errors. This lack of accountability and follow-through was extremely disappointing and is something others should be aware of before doing business with them.
8 January 2026
Unprompted review
Reply from Melio
Hi Harold,
Thank you for sharing your feedback. We understand how frustrating payment discrepancies and related fees can be and take concerns like these seriously.
We would welcome the opportunity to review the specific claims mentioned in your review to determine whether any further action is warranted. Based on our most recent interaction, our team did communicate that, per our Terms of Service, credit card fees are non-refundable. That said, we’re always willing to re-evaluate a situation if there is evidence that an error on our end may have occurred.
We encourage you to contact us at reviews@melio.com so we can take a closer look and ensure the matter has been fully and fairly reviewed.
Best,
Team Melio
I wish I could give NO stars
I wish I could give NO stars. DO NOT USE MELIO. We are a small business that depends on timely payments, Melio told us Jan 2, WEEKS after the payment was notified and today we have been told its been delayed to the 5th Jan 25. Look at BBB reviews, if the money doesn't come Melio will "investigate" then wash their hands of it, leaving ppl many large thousands out of pocket. Look at the RED reviews on here, is it worth the risk? Just use a bank wire.
1 January 2026
Unprompted review
Reply from Melio
Hi Louise,
We’re disappointed to hear about your experience and understand how stressful payment delays can be.
We’d appreciate the opportunity to review what occurred and gain a clearer understanding of your experience. If you’re open to continuing the conversation, please contact us at reviews@melio.com. Our team will be happy to review the details and assist you directly.
Best,
Team Melio
Debbie resolved my concern expeditiously
Debbie was super supportive and resolved my concern effectively, she was very professional and at the same time honestly concerned about my dilemma, im very very satisfied with her professional and attentive matter
26 December 2025
Unprompted review
Reply from Melio
Hi there,
Thank you so much for your kind feedback!
We’re happy to hear you were satisfied with the care and professionalism you received. Please don't hesitate to reach out if anything else comes up.
All the Best,
Team Melio
excellent detailed call
ver respectful and knowledgable. great customer service skills
22 December 2025
Unprompted review
Reply from Melio
Hi Trisha,
Thank you for the great feedback. We’re glad to hear you had a positive experience and appreciate your support.
All the Best,
Team Melio
Super quick response
16 December 2025
Unprompted review
Reply from Melio
Hi Laura,
Thank you for taking the time to share your experience!
We are pleased to know you received quick support. Please don't hesitate to reach out if anything else comes up.
All the best, Team Melio
Quick Response and very knowledgeable…
Quick Response and very knowledgeable about my questions.
15 December 2025
Unprompted review
Reply from Melio
Hi Kim,
Thank you so much for your thoughtful feedback. We’re glad our team was able to provide clear and timely support, and we appreciate you taking the time to share your experience with us.
All the best,
Team Melio
Great Support
Fast turnaround for the exact request I made, hard to do better then that.
12 December 2025
Unprompted review
Reply from Melio
Hi Trevor,
Thanks for your feedback! We’re happy to hear the request was handled quickly and met your expectations.
Let us know if anything else comes up. We are here to help!
All the best, Team Melio
Worst invoicing company I've ever used
Worst invoicing company I've ever used. I received payment from one of my clients via Gusto. Melio was the processor on it and they sent me an email asking information about my company. I replied with the information. The responded a day later asking for the same information. I responded again with the information worded differently thinking maybe I didn't respond correctly. The next day I got the same email. Contacted support and what did they ask? They asked me to respond to the email they had sent requesting information. Still unpaid from an invoice that was paid 5 days ago.
12 December 2025
Unprompted review
Reply from Melio
Hi there,
Thank you for sharing your feedback. We understand how important timely payments and clear communication are for running a business.
We’d really appreciate the opportunity to look into what happened and better understand your experience. If you’re open to it, please reach out to us at reviews@melio.com
so our team can review the situation and assist you directly.
We appreciate you taking the time to share your concerns.
Best,
Team Melio
Horrible platform and customer service
Horrible platform and customer service. We’re having to get the feds involved with a matter dealing with their practice. They will lock and freeze your accounts and use generic responses “unable to verify”despite having a good standing account for 4 years. They give you no options to cure and this is consistent with other complaints. We now have vendors receiving payments late at the hands of Melio’s incompetent staff. Stay away find an actual bank to handle your bill payments.
10 December 2025
Unprompted review
Reply from Melio
Hi Trey,
We understand how frustrating situations like this can be, particularly when they affect business operations and vendor payments. We take concerns about account access and verification seriously and review each case individually in accordance with regulatory and security requirements.
We’d appreciate the opportunity to look into what occurred and better understand your experience. If you’re open to it, please get in touch with us at reviews@melio.com, so our team can review the details and assist you directly.
Thank you for sharing your feedback.
Best,
Team Melio
The efficiency of response time and how…
The efficiency of response time and how quickly my question was able to be resolved.
11 December 2025
Unprompted review
Reply from Melio
Hi Lisa,
Thank you for sharing this feedback! We’re glad to hear that our response time and efficiency met your expectations and that your question was resolved quickly. Providing timely and effective support is a top priority for us, and it’s great to know your experience reflected that.
We appreciate you taking the time to let us know!
Best,
Team Melio
Took the time to assist me in changing…
Took the time to assist me in changing cards in the system. Very helpful
10 December 2025
Unprompted review
Reply from Melio
Hi Jonathan,
Thanks for your feedback. Glad we could help get your card updated smoothly.
If anything else comes up, please don't hesitate to reach out!
Best Regards,
Team Melio
Bradys did what was needed to do
Bradys did what was needed to do! I was able to get on and quickly have my issue resolved.
10 December 2025
Unprompted review
Reply from Melio
Hi there,
Thanks for sharing your feedback about your excellent experience with Bradys. We're thrilled to know he was able to get your issue resolved swiftly!
Best,
Team Melio
Reply from Melio
Hi there,
Thanks for taking the time to share this—we’re glad we could help!
Best Regards,
Team Melio
Debbie was very responsive and helpful
5 December 2025
Unprompted review
Reply from Melio
Hi John,
Thanks for sharing your feedback! We're so glad to hear that Debbie was both helpful and responsive during your experience.
We appreciate you taking the time to share your experience with us. Let us know if you need anything else.
All the best,
Team Melio
I am writing to formally complain about…
I am writing to formally complain about Melio’s failure to comply with my verified request for account deletion and removal of all associated personal information, submitted on Nov 28, 2025. Despite repeated correspondence, your team has refused to process this request, citing the inability to verify an account that was intentionally created with fictitious information for testing purposes. Under applicable data privacy regulations, individuals have the right to request the deletion of personal information collected by companies, even if the data provided during account creation was not accurate or was fabricated for testing purposes. By refusing to honor my deletion request without providing a reasonable alternative method of verification, Melio is in violation of these legal obligations. Your communications indicate that no deletion will occur unless a government-issued ID or other verification documentation is provided. Since the account contains fictitious data and does not correspond to any real individual or entity, it is impossible to provide the requested documentation. Furthermore, your continued failure to act exceeds the legally mandated period for responding to such requests and demonstrates an unreasonable verification requirement that does not reflect a good-faith effort to comply with privacy regulations. As a result of your refusal to process my deletion request, I am formally requesting that Melio immediately delete all accounts associated with my email and permanently remove all data associated with these accounts from your systems, including emails, test data, and any internal records, and confirm in writing that this deletion has been completed. If Melio fails to comply with this request within 30 days from Nov 28, 2025, I will escalate this matter to the appropriate regulatory authorities for investigation and potential enforcement action. I expect a prompt written confirmation of receipt of this complaint and a timeline for compliance with my deletion request.
28 November 2025
Unprompted review
Reply from Melio
Hi Austin,
Thank you for taking the time to share your feedback. I’m truly sorry for the frustration and repeated difficulty you’ve experienced while trying to have your account and associated data deleted. I understand how concerning it must feel to encounter these obstacles.
We’d really appreciate the opportunity to review what happened more closely and offer any clarification or support we can. If you’re open to it, please reach out to us at reviews@melio.com, and a member of our team will promptly look into your case to help ensure you get the assistance you need.
Best,
Team Melio
Quinn is super!
Quinn was super helpful and went above and beyond to check on my issue and resolve other past issues.
2 December 2025
Unprompted review
Reply from Melio
Hi Cheryl,
Thank you for taking the time to share your experience! We’re delighted to hear that Quinn went above and beyond to help resolve your issue as well as past concerns.
We appreciate your feedback and are glad we could assist!
All the best, Team Melio
Reply from Melio
Hi Joy,
Thank you for sharing your feedback! We're so glad to hear that Debbie was both helpful and knowledgeable during your experience.
We appreciate you taking the time to share your experience with us.
All the best, Team Melio
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