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 Service
- 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
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Stuck dealing with them because of…
Stuck dealing with them because of QuickBooks. Customer service hides behind chats and email and scripted useless responses. They don’t pay attention and repeat themselves after you tell them and show them it’s not working
Wish I had another choice that integrates with QuickBooks
23 September 2025
Unprompted review
Reply from Melio
HI Joseph,
Thank you for sharing your experience. After reviewing your recent interactions, we can confirm that your issue has been escalated to the appropriate team for further investigation. Our priority is to ensure you receive the support you need, and the agent you’ve been in contact with will provide you with updates by email as soon as more information is available.
We appreciate your patience as this is being resolved!
Best Regards, Team Melio
I enrolled in their service and when I…
I enrolled in their service and when I initiated my 1st payment they denied it. It took 6 days and a reach out to their facebook page before I got a response from their verification team. The response was (paraphrased) "we can't verify who you are and will not ask anymore questions - you can't use our service".
I am not doing anything illegal or in violation of their terms of service. I don't understand their response or why it should be so hard to do business with them.
Stay away from this company.
16 September 2025
Unprompted review
Reply from Melio
Hi Steve, we understand this experience may have been frustrating. All accounts go through a review process to ensure they are compliant with Melio’s standards.
Our records indicate that our team contacted you on 9/16 with an update regarding your account. We understand this outcome may be disappointing, but we have a responsibility to uphold the standards outlined in our Terms of Service.
These decisions are never taken lightly and are made with long-term consistency and fairness in mind.
All the best, Team Melio
Melio is downright awful
Melio is downright awful. This company I use makes you go through them for payments. However, they block every single payment for compliance and then if you reach out to them, they never ever reply. I’ve tried to submit this payment so many times and they keep automatically blocking it. I’ve emailed them four or five times over the period of a couple weeks and they still just will not reply. Then I finally got an email after I included the company I owed the money too because I have an outstanding bill and I can’t pay it. So Melio finally replied that my email was received and they would respond to me. sure enough a week and a half later still no reply. So I responded to that email asking if we get to the bottom of this and, yep, you guessed it, no response.
Melio has no idea what’s going on and it’s terrible platform. Don’t use it. And if you ever might need customer support, absolutely do not use it, it’s a mess over there.
11 September 2025
Unprompted review
Reply from Melio
Hi Thomas,
We understand how important timely payments are and how stressful it can be when things don’t move forward as expected.
Our compliance reviews are in place to help protect both you and your business. It’s disappointing to hear that your emails went unanswered, and we apologize for the inconvenience this has caused.
We’d like to look into your case directly and help get this resolved as quickly as possible. If you could please send us an email at reviews@melio.com, our team will be happy to help.
Thank you for taking the time to share this feedback—we’ll use it to improve both our support response times and the overall payment experience.
All the best, Team Melio
Worst customer service ever
Worst customer service ever. I could not log into my account, I could not start a chat and I finally had to email the company. Email has gone unanswered. I have money which I cannot access and I have to pay invoices that I cannot pay.
9 September 2025
Unprompted review
Reply from Melio
Hi Thomas,
We’re sorry to hear about the difficulties you’ve experienced and understand how frustrating it must be to face issues accessing your account and making time-sensitive payments.
We’d like the opportunity to make this right and provide the support you need. If you haven’t received a reply to your initial email yet, please reach out directly to reviews@melio.com
so we can promptly review your account and assist.
Your feedback is invaluable in helping us strengthen the reliability and clarity of our services. We appreciate you taking the time to share your experience and hope to restore your confidence in Melio.
Best regards,
Team Melio
WORTHLESS Dont Even TRY they have the same problems over and over
You would expect them to be able to send payments A payment vendor should be able to pay.
I signed up to try it out, send my first payment to a Vendor on a Sunday, just to wake up on Monday to "Your payment has been cancelled" without any explanation. I sent an email, not to receive any follow up until Wednesday (days later), saying "sorry, bug in our system, try again!".
I sent the payment again, and then received another email saying "Payment cancelled" with no reason why.
I contacted their tech support who said (and I quote):
> "This isn't out of the norm and does occasionally happen."
In the same chat, they said the people who have answers to the question are not the general support staff, and the only way to access them is via email (the people who took 24 hours to respond).
Vendor's aren't willing to wait days on end for late payments, and small business owners don't have time to deal with this.
I went here to write a review, and found just a week ago someone with the exact same problem.
7 September 2025
Unprompted review
Reply from Melio
Hi there, thank you for sharing your feedback with us. We are sorry to hear about your experience and understand how frustrating this situation might be; however, we take these necessary precautions to protect you.
We want to assure you that the agent you spoke with has escalated your case to our internal team, and they’ll be in touch with you directly via email if there are any updates or changes.
We truly value your feedback as it helps us improve.
All the best, Team Melio
You would expect them to be able to send payments
A payment vendor should be able to pay.
I signed up to try it out, send my first payment to a Vendor on a Monday, just to wake up on Tuesday to "Your payment has been cancelled" without any explanation. I sent an email, not to receive any follow up until Wednesday (2 days later), saying "sorry, bug in our system, try again!".
I sent the payment again, and then received another email saying "Payment cancelled" with no reason why.
I contacted their tech support who said (and I quote):
> "This isn't out of the norm and does occasionally happen."
In the same chat, they said the people who have answers to the question are not the general support staff, and the only way to access them is via email (the people who took 24 hours to respond).
Vendor's aren't willing to wait days on end for late payments, and small business owners don't have time to deal with this.
I went here to write a review, and found just a week ago someone with the exact same problem.
EDIT: Their verifications team did reach out to me -- after 4 days, without any explanation, to say "we can't verify that you meet our Acceptable Use Policy" (I'm trying to pay a contractor). *They did not*, as they erroneously claim, try to verify any information. They have never asked me for any information, I've asked them for what aspect of their Acceptable Use Policy they can't verify or any other information, and they have been unable to give any further information.
31 August 2025
Unprompted review
Reply from Melio
Hi Kerry,
We're truly sorry to hear about your experience, and we appreciate you taking the time to share it. We completely understand how frustrating it must be to have a payment unexpectedly cancelled — especially when you're trying to run a business and meet vendor deadlines.
While it’s true that payments can occasionally be subject to review or cancellation, in your case, this was due to a need for additional verification. This process is in place to ensure all payments are compliant with our platform’s terms of service, and while not common, it does happen from time to time.
We understand that the communication you received didn’t meet your expectations, and for that, we sincerely apologize. A delay in clear responses — especially when time-sensitive payments are involved — is not something we take lightly.
We do see that you're now in contact with our verification team. If you have any further questions or concerns, please don’t hesitate to reply directly to the email from them. If you have any further questions, feel free to reach out to reviews@melio.com while the verification process is underway. Thank you again for your feedback.
Best regards,
Team Melio
Tried to send a wire from a credit card…
Tried to send a wire from a credit card balance. Filled all the paperwork, dotted the i's crossed the t's. It said it would go through. It did not. Tried again the next day. Nothing. You can call them but they just say the only people who can resolve the issue you can only reach through email. They assured me they'd pass along the urgency. They spent about a week verifying I'm from a real company. When they were finally happy with that the payment still didn't go through. Tried an ACH transfer to see if that'd work either. Surprise! Nothing. No explanation why, just an email telling me to go to the website for details. The website told me to email the customer support team for answers... That vendor is probably never going to do business with me again and I'll probably never do business with melio again.
21 August 2025
Unprompted review
Reply from Melio
Hi Stewart,
We’re really sorry to hear about the experience you’ve had — that sounds incredibly frustrating, especially after taking all the right steps and making multiple attempts to get your payment through. We understand how important it is for you to maintain trust with your vendors, and we recognize the impact these delays and lack of clear communication can have on your business relationships.
We want to acknowledge your effort and patience. We can see that you’re currently in active email correspondence with our verification team, who are working to verify your payment for processing. We sincerely apologize for the delay and any inconvenience it has caused.
Please understand that Melio is a third-party payment processor, and as part of our responsibility to maintain a secure and compliant platform, we reserve the right to review or cancel payments that do not align with our terms of service. While these checks are in place to protect all parties, we recognize that the process can sometimes be slower than expected, and we're genuinely sorry for the disruption this has caused you.
We appreciate your continued cooperation and will do everything we can to help bring this to resolution as quickly as possible.
We also want to thank you for sharing your honest experience with us — your feedback is invaluable and helps us improve the reliability and clarity of our services.
We hope we’ll have the opportunity to restore your confidence in us moving forward.
All the best,
Team Melio
It was very promising but failed to…
It was very promising but failed to deliver. I tried to execute some basic ACH transfer and pay by check. But a few days after requesting the transactions, these got cancelled without any reason. When asked support, they could not give me any explanation. I can't have my business rely on another that cannot explain when things fail and make me lose more time that I would otherwise save. Sorry but gave them a try and would not recomend
27 August 2025
Unprompted review
Reply from Melio
Hi Jose,
Thank you for sharing your experience. We sincerely apologize for the frustration and disruption this caused to your business. We understand how important it is for transactions to process smoothly and for clear communication when issues arise.
We’d like the opportunity to make this right. If you’re open to it, please reach out directly to our support team at reviews@melio.com so we can review your account, provide clear answers about what happened, and assist with any future transactions to ensure they process successfully.
Your feedback is invaluable in helping us improve the reliability and clarity of our services. We truly appreciate you giving us a try, and we hope we can restore your confidence in us.
All the best, Team Melio
Terrible Customer Service and Garbage Business Practices
I was notified by email that my payment was Denied and that my account and activity didn't meet the Acceptable Use guidelines as outlined in their Terms of Service Agreement. I sent an email back to the verification team and did not receive any response back. I tried to complete the payment again and was denied again. I reached out to through the chat feature and was told "Unfortunately, your account has been deactivated and you are no longer able to process payments on our platform.
We cannot provide you with any further information at the Support level. Please email our Verification team if you require more information."
Chat provided the same email address I had already sent an email to with no response.
The Chat representative then stated after researching further: "It looks like they've reviewed the account. At this time, we cannot provide you with any further information. Please know that if we felt there was information that would have helped us in this decision, we would have reached out to request it. This isn't something that could be overturned at this time."
It is very disappointing as a business owner trying to make a payment transaction that I need to make to run my business that they would deactivate my account and deny all payments with no reason or explanation. I provided all of my account details and business documentation.
Very poor business practices!
6 August 2025
Unprompted review
Reply from Melio
Hi Erica,
Thank you for taking the time to share your experience with us. We understand how frustrating and disruptive this situation must be.
Please know that account reviews are a critical part of maintaining a secure platform for all customers, and these decisions are not taken lightly. While our Support Team has limited visibility into the outcome of these reviews, the Verification Team will reach out directly if any additional information is needed.
We truly regret the inconvenience this has caused and appreciate your understanding.
All the best, Team Melio
Bad customer service
Bad customer service. I'm weeks into getting a simple refund issue resolved that was the result of shady marketing practices on their end. The last person emailed me from support at melio.com telling me I needed to get in touch with the Support Team to get my question answered. They ARE the support team! The level of incompetence and internal lack of structure is a very bad sign. Plus, their marketing raises ethical flags. I do not like this company.
16 July 2025
Unprompted review
Reply from Melio
Hi there,
Thank you for sharing your feedback. We’re sorry to hear about your experience and the frustration this has caused. This is not the level of service we aim to provide. We’d like to look into your case right away to ensure this issue is resolved as soon as possible. Please feel free to email us at reviews@melio.com and our team will be happy to assist you further.
We appreicate you bringing this to our attention.
All the best, Team Melio
Accidently fell on keyboard and reached…
Accidently fell on keyboard and reached out IMMEDIATLY to them stating I did not want the wire vs. ACH. Needless to say, no one contacted me till after the wire was already done and they refused to do any credit or apologize for THEIR delay in the response time.
18 July 2025
Unprompted review
Reply from Melio
Hi Katie, we’re truly sorry to hear about your experience and the frustration it caused. We understand how important it is to feel heard and supported, especially in time-sensitive situations.
While we can’t reverse completed transactions, we do take concerns like yours seriously and are continuously working to improve our response times. If you’re open to it, we’d love the chance to connect directly and look into what happened more closely. Feel free to send us an email at reviews@melio.com.
Thank you for your feedback.
All the best, Team Melio
Reply from Melio
Hi there, thank you so much for the recommendation! We truly appreciate your support and are glad to hear you had a positive experience. If you have any questions or concerns, please don't hesitate to reach out!
All the best, Team Melio
Avoid THIS SERVICE
The customer service is not helpful. They repeatedly reference terms and conditions that do not apply to my payment. After so much back and forth, they eventually realized that the payment did not violate terms and conditions and approved it. They never gave me a chance to discuss it before that and ignored my messages or replied with the same canned reply that it violated the terms and conditions without any willingness to explain.
You are limited to emailing customer service and they do not provide much help at all.
Ultimately, they refused to expedite my payment to meet the due date even though the only reason it was delayed was because of their poor customer service and not reading their own terms and conditions / not actually working with me to evaluate the situation until I left a negative review.
14 July 2025
Unprompted review
Reply from Melio
Hi Niya,
Thank you for taking the time to share your feedback. We’re sorry to hear about your experience and understand how frustrating this situation must have been.
We want to assure you that our team was in communication with you as recently as July 16th, working to resolve this issue and clarify the terms in question. While we’re glad the payment was ultimately approved, we recognize that the process did not meet your expectations.
Your experience matters to us, and we’re committed to learning from it. We’re continuously working to improve the clarity of our communication and the support we provide—your feedback plays an important role in that process.
Please don't hesitate to reach out if you have further questions or concerns.
All the best, Team Melio
Bradys was great!
Bradys was great! Patient and very knowledgeable. He helped me with my primary issue and then another one that need that I had forgotten about
10 July 2025
Unprompted review
Reply from Melio
Hi David,
Thank you sharing your experience! We're really glad you were able to get all of your issues resolved with the very knowledgeable, Bradys!! :-)
We'll be sure to pass along your kind words to him.
Please don’t hesitate to reach out again if you need anything else—we're happy to support!
Best,
Team Melio
Quick answer to my question, very helpful
I was very pleased with the quick response to my question. Thank you very much.
7 July 2025
Unprompted review
Reply from Melio
Hi Michael,
Thanks for sharing your feedback with us! We are happy to hear that you had a great experience and that our team was able to assist you quickly!
Please don't hesitate to reach out if you need anything else - we're here for you!
Best,
Team Melio
Melio Payments: Denied Without a Chance to Verify
As a legitimate small business using QuickBooks Online and BILL, I was shocked to receive a deactivation notice from Melio without any prior request for verification.
My company, MotherShip Hub LLC, has 4 months of recorded transactions, connected directly to QBO. I was never asked to submit my EIN, Articles of Organization, or even a bank statement — the decision to deactivate my account came with no outreach of any important business information. I have been in touch with the verification team for the last week now. It started through their "Chat team" and then it lead to email. I have requested a phone call time and time again, without any luck.
This is the last email I recieved from them: "As part of our regulations, we are required to thoroughly vet each account that uses Melio services to ensure that they are a small business and that their payment criteria is within the agreements we have with our processing partners. Unfortunately, we were unable to verify that MotherShip Hub LLC’s account and activity fall under our criteria. As such, the account has been deactivated and any pending transactions have been canceled. Apologies for any inconvenience this has caused."
First off, WE ARE A SMALL BUSINESS. Second off, "payment criteria" could mean so many things and I am happy to give any information regarding my business if I am just asked. I have stated this time and time again. As legitamate small business owners transitioning from Bill.com, we were excited to move our receivables to Melio — especially because of the ability to pass credit card fees to clients and simplify ACH payments.
I urge Melio to reconsider this approach. If a verification process is required, we should be asked to submit documentation, not summarily denied without explanation. This approach hurts small businesses that are trying to grow responsibly and operate transparently.
30 June 2025
Unprompted review
Reply from Melio
Hi there, thank you for taking the time to share your feedback about your experience. We understand how disruptive and disappointing it can be to have your account deactivated, and we’re sincerely sorry for the frustration and lack of clarity you’ve encountered.
Melio is required to follow strict regulatory and compliance standards, which require all accounts to be reviewed by our internal team. After reviewing your interactions, we can confirm that our team sent an email on 6/24 to provide an update on the status of your account.
While we understand this is not the outcome you were hoping for, we sincerely apologize for any inconvenience this experience has caused.
We appreciate you bringing these concerns to our attention, and we’ll be sharing your feedback with our teams to help improve our communication and verification processes moving forward.
All the best, Team Melio
The support agent (Sara V.)
The support agent, Sara V., responded quickly with a thorough answer to my question. She went above and beyond. Excellent customer support!
27 June 2025
Unprompted review
Reply from Melio
Hi Kellie,
Thank you so much for your kind words! We're thrilled to hear that Sara V. provided you with prompt and thorough support. Going above and beyond is what we strive for, and it's wonderful to know she made a positive impact.
We'll be sure to pass along your feedback to her. She'll be delighted to hear this recognition!
Warmly,
Team Melio
Reply from Melio
Hi there,
Thank you so much for the feedback! We're really glad Lilli could save the day! We'll be sure to pass along your kind words to her.
Please don’t hesitate to reach out again if you need anything else—we're happy to support!
Best,
Team Melio
Debbie was great to work with and was…
Debbie was great to work with and was quick to assist me with a different ACH email request. She also let me know for any future requests that it can only be sent every 48 hours.
25 June 2025
Unprompted review
Reply from Melio
Hi Amanda,
Thanks for your wonderful words! We're so happy to hear about your experience with Debbie! We'll be sure to pass this along to her, as she'll be delighted.
Please don't hesitate to reach out if you need anything else - we're here for you!
Warmly,
Team Melio
Customer service was excellent as always
25 June 2025
Unprompted review
Reply from Melio
Hi Michael,
Thanks for sharing your feedback with us. We are happy to hear that you had a great experience.
Please don't hesitate to reach out if you need anything else - we're here for you!
Best,
Team Melio
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