Melio

Flexible AP/AR platform to pay vendors by card, ACH, or wire with AI-powered workflows.

Run OperationsBookkeeping & finance

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About

• AI-powered bill capture and Agent Mel assistant for instant answers about bills, payments, and vendors • Pay vendors by card, ACH, wire, or check—including international payments in local currencies • 2-way sync with QuickBooks Online, QuickBooks Desktop, Xero, and NetSuite Melio is an accounts payable and receivable platform designed for small businesses and accounting firms. It streamlines vendor payments with flexible payment methods, automated approval workflows, batch payments, and cash flow optimization tools. Invoicing, W-9 collection, 1099 automation, and merchant account setup round out a comprehensive financial operations suite.

Who it's for

Accounts payable & bill payments

Price

Go plan is $0/mo free forever (1 user, 5 free ACH/mo). Paid plans: Core $25/mo, Boost $55/mo, Unlimited $80/mo (flat base, Core/Boost add $10/mo per extra user). Platinum is contact sales. A 90-day free trial is also offered.

AI level

Intermediate

Key features

ACH & wire paymentsCredit card vendor paymentsAI bill captureInternational paymentsApproval workflowsQuickBooks/Xero/NetSuite syncW-9 & 1099 automationAI payment assistant

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