M
Melio
app.meliopayments.com · scored Apr 2026Melio processed $100B, some users report payment delays
Best forSmall business owners and bookkeeping firms managing AP for multiple clients.
AP and AR automation platform for small businesses with two-way QuickBooks and Xero sync.
Upside
- Free basic ACH transfers
- Two-way QuickBooks and Xero sync
- International wires to 70+ countries
Catch
- Severe payment delays reported
- Support frequently unresponsive
- 2.9% fee on credit card payments
Editor's takeMelio ranks second among accounts payable platforms integrated with ERP systems with a 9.1 score. Its 9.4 integrations mark comes from real-time, bidirectional sync with QuickBooks and Xero that eliminates double data entry. Usability lags at 7.8, the category low, tied to documented reports of payment delays and unresponsive support.
Does Melio integrate with QuickBooks and Xero?
Yes. Melio syncs automatically and bidirectionally with QuickBooks Online, QuickBooks Desktop, and Xero, updating both accounts payable and receivable in real time.
Are there complaints about Melio's reliability?
Yes. BBB and Capterra reviews document unnotified payment delays and frozen accounts, with users citing slow support after phone assistance was discontinued.
The evidence: 6 criteria, 1 penalty (−0.08 points)
Score adjustments−0.08 points in total














