Melio

Melio is a cloud-based Accounts Payable and Accounts Receivable platform designed to simplify and modernize B2B payment workflows for businesses of all sizes, with a particularly strong fit for small businesses, accounting firms, and financial administrators managing vendor relationships. The platform allows users to pay bills via bank transfer or credit card — even when vendors don't accept cards — and gives vendors the flexibility to choose whether they receive funds via ACH transfer or paper check, making it highly adaptable to real-world payment scenarios. Melio integrates seamlessly with QuickBooks Online, QuickBooks Desktop, and Xero, automatically syncing transactions and reducing the manual data entry that typically burdens finance teams. Key capabilities include invoice uploading and management, scheduled payment execution, approval workflow automation, and payment reconciliation, all of which help businesses reduce administrative overhead and maintain tighter control over cash flow. The platform is especially valuable for bookkeepers and accountants who manage bill pay on behalf of multiple clients, enabling them to handle vendor payments entirely remotely without sacrificing speed or accuracy. With a free entry-level plan and a 30-day trial of premium features, Melio lowers the barrier to entry for small and mid-sized businesses looking to professionalize their financial operations without investing in complex enterprise software.