Melio
· Free · since 2018
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Melio is a free bill payment platform for small businesses. Pay any vendor by bank transfer (ACH) for free or by credit card for a 2.9% fee — even if the vendor only accepts checks. Melio will mail a physical check on your behalf at no cost. It syncs with QuickBooks and Xero to keep your books up to date.
The main value proposition is earning credit card rewards on payments that normally require checks or bank transfers. Pay your rent, contractors, or suppliers with a card, earn points, and Melio handles the rest. The platform is free for ACH payments with no monthly subscription.
pros
- Free bank transfers (ACH) with no monthly subscription
- Pay by credit card even when vendors only accept checks
- Automatic check mailing to vendors at no extra cost
- Syncs with QuickBooks and Xero for bookkeeping
cons
- US-only — no international payments
- 2.9% fee for credit card payments
- Not a full accounting tool — only handles outgoing payments
- Limited invoicing and accounts receivable features
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