Melio Business Payments Reviews

Melio Business Payments Reviews

Published by on 2026-05-26

🏷️ About: Melio, a business payment platform, is built to give businesses of all sizes the ability to save time, maximize cash flow, and gain more control over its finances—all from one place. Melio’s payment app makes it even easier for you to send money and track payments wherever you are.


       


Is Melio Business Payments Safe to Use?

We Investigate the app owner's website (Melio.com), verify their legitimacy, and uncover hidden scams and complaints.


Overall Customer Experience 😎


🤬 Negative experience
93.4%

😎 Positive experience
5.5%

🫥 Neutral
1.1%

~ from Justuseapp.com NLP analysis of 1,369 combined software reviews.

Is Melio Business Payments Safe?
Melio Business Payments does not appear safe based on available data.
5.6/100

  Safety Analysis »»

Is Melio Business Payments Legit?
Melio Business Payments does not appear legitimate based on our analysis.
6.7/100



Read 20 Customer Service Reviews 😠💢

4.6 out of 5
Can’t pay for anything

My school uses this as their preferred method of receiving payment from their students (they’re a trade school so technically all their students are their own businesses by the end) because of an accidental miss click I was forced into creating an account and more or less I can’t get out of it which has made me late in paying my school tuition for the semester.

I HAVE WORK TOMORROW! I can’t afford to be up at 3AM worrying about if I’m going to be able to continue going to school because this stupid app doesn’t have a way to go back and pay as guest after!
I need to pay my tuition! I need to go to school so I can get a better job! I can’t be playing around with an AI that only knows 3 things and can’t help beyond that because of a failed payment and them locking the stupid account their app more or less locked me into!

If you want a good site make it easier to deactivate or go back to pay as a guest rather than HAVING to pay as business to business! Or better yet, don’t have the button to sign up anywhere near the ‘pay as guest’ button if you’re just going to force people to lock in!

Melio is paying for reviews

Unfortunately, you shouldn’t trust overtly positive reviews because Melio is paying its customers to write reviews.

The real review is that you can never be sure that Melio will actually make the payment on your behalf, because they don’t have sophisticated enough technology to determine whether a payment went through. We had money sitting in Melio’s accounts (presumably earning Melio interest), while they claimed the payment to the vendor was completed. Finally, after we incurred late penalties from our vendor, Melio decided that the money was lost and canceled the transaction. It took another several weeks to get the money traced and refunded to us.

Sending money is supposed to be their core competency, but since they don’t have that - they are just paying for positive reviews I suppose.

Unacceptable response time for support

I signed up for Melio with my business and sent my first payment on 6/29. It was rejected because they did not believe it was a business to business payment. I was not too surprised by this based on the terms and conditions and the fact that the vendor is a sole proprietorship. I thought not a big deal I will email customer service and provide whatever proof they need to get it resolved. On 7/7 I finally get a response but they could not investigate because I had already deleted the payment. At this point I had already found an alternative payment service. Sounds like it would be a great service if it works but why wait 7 days when there are better alternatives.

Half baked - doesn’t even have functions of their website.

The most basic functionality you would expect to be consistent with their website is not. Want to pay a bill on its due date? Nope. Not in this version. You have the option to pay it fast for a fee, the next available date for free, and that’s it. Oh wait - there a place to select a date! Just kidding. That’s just a “withdrawal date”, not a “pay by” date. Want to include the invoice number on the bill you synced from quickbooks in the payment note to vendor like the website does by default? Sorry. Not yet. Makes no sense. Guys. Get it together. What’s the point of releasing a beta app to version 1.2 without the most basic functionalities like this?

Poor Support

I contacted Support multiple times to no avail. Even the support email at the Bottom of the email to email questions to did not work. I received a message back it was an unmonitored email box. The Chat widget provided no help and would not provide me with a direct person for assistance after requesting it multiple times. I also placed a support ticket via the portal and did not receive a reply via my account portal. I understand support is hard and can be overwhelming; however this can only be classified as poor. Ideally I get a response by providing this feedback and the facts of my experience. Let’s see.

Company refuses to inform what happened…

Customer in good standing since 2019. In late 2023 I get a new credit card from Capital One. I learn Capital One has a partnership with Melio, fantastic I confirm payment intention in advance with Melio and Capital One. AOK to proceed. Payments are submitted but never arrive. I eventually dig deep to discover payments failed. There were no emails saying there was a problem with payment. Even signing into my Melio account, no notification. Further discover my account was disabled and no one will tell me why. Email, live chat and calls (arranged through Capital One) all say wait form compliance to respond. Months passed and no word from Compliance. The refuse to tell me what happened. One person said they could not verify my account, yet it is the same business, same EIN, same address since the start. This is not right.

Only for making payments at this time

We have been using Melio to invoice and receive payments from clients for many years and have had nothing but a positive experience.

I was happy to hear that an iOS app was released. It was my hope that we could send invoices, reminders, and check on the status of scheduled payments to our company. But at this time, it looks like MelioBusinessPayments is limited to only those who are making payments. I am hopeful that MelioBusinessPayments will be updated in the future with the functionality I mentioned above. As it stands now, it’s just a blank screen for us, since we don’t use Melio for sending payments (the only outflow of money in our organization is to our 1099 contractors, which is sent using ACH or Wire transfer via our Mercury bank account).

Very Satisfied!

I have been using this financial app for quite some time now, and I must say it has truly transformed the way I manage my finances. MelioBusinessPayments 's interface is clean, intuitive, and easy to navigate. It didn't take me long to get acquainted with all its features. Everything is well-organized, making it a breeze to track my expenses and income. MelioBusinessPayments covers all aspects of personal finance. From budgeting and expense tracking to investment management and bill reminders, it has everything I need in one place. I no longer have to juggle multiple apps to stay on top of my financial goals, also Security is of utmost importance when it comes to financial apps, and this one does not disappoint. It utilizes top-notch encryption protocols to protect my sensitive information. I feel confident knowing that my data is safe and secure.

Melio makes our life easier

As a small business owner, Melio has completely changed the way we manage invoices and payments for the better. MelioBusinessPayments helps us get a summary of vendors at a glance. We can add invoices by scanning them or adding them manually which saves us time in making a payment to the vendor. Use of Face ID for login is very much welcome! Looking forward to have more features added for receiving a payment as well.

Great way to get paid! Free with no hidden fees!

Melio seemed too good to be true when someone first told me about it. I’d been paying huge fees just to get paid from my clients every single invoice I sent out. And now it’s saved me literally hundreds of dollars because it’s free with an ACH payment! No hidden fees, no cost to use their services. They make their money through cc payments. I LOVE it! I use it every invoice now. I love that I can send invoices through MelioBusinessPayments now too. I’d love to be able to see what status the invoices I sent are in on MelioBusinessPayments too so I hope they add that soon. Thanks, Melio! I recommend you to everyone!

Great way to send business payments

We own a small business, and Melio is a great option for us when working with and paying vendors because it seems like there’s never one way to do it. Some banks charge fees because we’re a business or require a ton of setup, and it’s good to have another option when making online payments.

Very Good App

1. heightened visibility: Businesses can see how their bills are being paid in real time with Melio. Businesses can use this to keep track of their spending and make better financial decisions.

2. heightened safety: Melio utilizes industry-driving safety efforts to safeguard organizations' monetary information. This makes it easier for businesses to know that their data is safe.

Clean, Simple, Fast, Free

My self-employed business has been using Melio for years and now that MelioBusinessPayments is out, it just makes their service even better.

Melio’s website was already such a clean and simple interface, and now with a dedicated app, it’s even better!

As always with my ACH invoices and payments, everything is just fast and free. Couldn’t be Happier!

Melio is very easy to use here

I recently started using Melio for my business payments, and it has been a game-changer. MelioBusinessPayments is incredibly user-friendly, making it easy to manage and track my payments. I love how quickly and securely I can send and receive payments with just a few clicks. I highly recommend giving Melio a try!"

Easy and Great!!!

I was thinking, how can be Melio app? And I just got surprised when I opened and see all my transactions in there in a good size and also so easy to handle!! I am really happy now that I found out that I can use Melio on my phone!!! The platform is really user-friendly and I can be on top of any payments priority just with one touch!! Bravooo Melio!! Thank you again and again!!! 💪🏼💪🏼👏🏼👏🏼

Really Best app so far

Have been coming across lots of app but trust me when I say melio business payments is the best so far because it’s so fast during transactions and have never had any issues with app it’s actually one of the best have come across so far I recommend you all download melio business payments and carry out your transactions for real

I really like Melio

Melio, a promising fintech startup that gives a streamlined portion game plan, has helped my free organization. The group behind the procedure has made significant progress up to this point, and the procedure itself is straightforward. Melio might create a ruckus in the regular portion taking care of industry due to its ease of use and convenience. As somebody who knows about the meaning of productive monetary administration, Melio is a magnificent decision.

Better than Plastiq

I started a new business and had some zero percent interest credit cards at my disposal. I tried using plastiq but was unsuccessful in getting the payments to process. While trying to google my problem, I found melio. MelioBusinessPayments/company worked without a problem and I have used it ever since. I typically use their web browser version but sometimes MelioBusinessPayments is useful too.

So glad this happened!

I’ve been a fan of Melio for a couple years, I highly recommend it to other small business owners who need to manage cash flow. This is also very useful to me since I own multiple small businesses and it allows me to toggle back and forth between them on the desktop. Now, it’s made my life even simpler by allowing me to log in on my mobile device and take care of things on the go!

Very good app

1. heightened visibility: Businesses can see how their bills are being paid in real time with Melio. Businesses can use this to keep track of their spending and make better financial decisions.

2. heightened safety: Melio utilizes industry-driving safety efforts to safeguard organizations' monetary information. This makes it easier for businesses to know that their data is safe.



Is Melio Business Payments Safe? 🙏

Melio Business Payments does not appear safe based on available data. JustUseApp Safety Score for Melio Business Payments is 5.6/100.
This assessment is based on our NLP analysis of 1,369 user reviews. Combined with the app store average rating of 4.6/5.

Safety Analysis

85% of users say app is safe 👍
85%

8.3% of users say app is risky 🚨
8.3%

6.7% of users have some concerns ⚠️
6.7%


Is Melio Business Payments Legit? 💯

Melio Business Payments does not appear legitimate based on our analysis. Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for Melio Business Payments is 6.7/100 .
This conclusion is based on analysis of 1,369 user reviews.

🔏 Privacy & Data Safety

Melio Business Payments collected the following data from you:

  • Data Linked to You:
    • Identifiers
  • Data Not Linked to You:
    • Usage Data
    • Diagnostics



How was your experience with Melio Business Payments? Post a Review




Features

Melio, a business payment platform, is built to give businesses of all sizes the ability to save time, maximize cash flow, and gain more control over its finances—all from one place.

Melio is trusted by top financial institutions and was named to the 2024 Forbes Fintech 50 list, honoring the most innovative private financial technology companies.

Melio’s payment app makes it even easier for you to send money and track payments wherever you are.

Spend 50% less time on bill pay—use our auto-bill capture, sync your accounting software, and collaborate with accountants and team members.

Hold onto cash longer and put it towards your business by choosing your payment method and delivery speed.

  Contact Support
Developer:
Melio Payments Inc


Website: