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
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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I had an extremely disappointing…errible Experience: No Explanation, No Support
I had an extremely disappointing experience with Melio Payments. I made a payment of **$2,400**, and shortly afterward, my account was suspended without any explanation. There was no prior warning, no clear reason provided, and my funds were effectively left in limbo.
What makes the situation even more frustrating is the complete lack of communication. I've sent multiple emails to their support team, but I haven't received any meaningful response or update. As a customer, I expect transparency and timely support, especially when my money is involved.
Suspending an account without explanation and then ignoring customer inquiries is unacceptable. Based on my experience, I cannot recommend Melio Payments to anyone who values reliable service and responsive customer support.
24 June 2026
Unprompted review
Reply from Melio
Hi Atul,
Thank you for sharing your experience, and we're truly sorry for the frustration and disappointment this has caused. We understand how unsettling it is to have your account suspended without a clear explanation, especially when a payment is involved, and we want to help make this right.
We'd like to look into this further. If your payment never reached your vendor, we want to get to the bottom of that and ensure it's resolved.
Regarding the suspension, please know that we don't take these actions lightly. Our platform has a dedicated team that specializes in account reviews, and suspensions typically occur when an account doesn't align with our Platform's Terms of Service. We understand this can be frustrating without more context, and we'd like to help clarify what's going on with your account specifically.
Please reach out to us directly at reviews@melio.com, so we can look further into this.
Best,
Team Melio
WTF - Worst Customer Service Ever
WTF. Can't talk to a person, customer service is non existent except wrong answers via email that take up to 24 hours to come. Had banking info correct in quickbooks but somehow Melio pulled the wrong info and they will not help fix it. RUN LIKE HELL!! NO I would not recommend
30 June 2026
Unprompted review
Reply from Melio
Hi Allan,
Thanks for your review. We understand how this experience may have felt frustrating. Our records show that a Support Manager reached out to assist you with this issue. As you now know as they shared with you, that Quickbooks Desktop does not automatically sync data like a vendor's bank account with Melio, so the bank account will be needed to be updated directly in Melio to avoid any incorrect delivery issues.
Phone support is also available for customers with Subscription tiers of Boost or Unlimited plans. Other tiers have the options of Live Chat Support and emailing with the Support team.
We appreciate your feedback and are always working to improve Melio's customer experience.
Best,
Team Melio
Connor was quick to answer my question.
26 June 2026
Unprompted review
Reply from Melio
Hi there,
Thanks so much for your kind words. We really appreciate hearing how quickly our team was able to jump in and resolve things quickly for you. We’ll be sure to pass this along to Connor and the team!
Best,
Team Melio
Fraud and unethical practices
I had a failed wire transfer of a little over 16k. They did not tell me it did not go through, nor did they return the money. I lost a vendor because I thought for sure it was paid. I was using Melio through quickbooks online and there was no alerts, no texts no phone calls. I found out 2 years later that they still have my money. I'm not in a legal battle to try to get the money that they stole from me back.
24 June 2026
Unprompted review
Reply from Melio
Hi Davis,
Thanks for your sharing your experience. I can understand how this may have been a disappointing experience but to clarify Melio is a payment processing platform. Melio is not intending to hold or take customer funds. When a payment fails, we send about two email reminders around that time it failed with next steps for retrying or requesting a refund, though we don't send continuous follow-up alerts if no action is taken. If your funds haven't been resolved, please email us at reviews@melio.com, we'll be glad to assist you with this.
Best,
Team Melio
There is no staff
There is no staff. There is no live person to talk to, so whoever said in their review great staff they’re lying.
I have tried for 32 days to pay my attorney. I’ve been on Melio site for a year.. I designated a credit card to pay my bill and it took it out of my checking account, causing me all kinds of fee fees. It continues every single day to not take my credit card. I can’t pay my attorney.. just stupid AI answers robots that can’t help. There is no phone support. Worst company I’ve ever seen in my life.
30 May 2026
Unprompted review
Reply from Melio
Hi Terri,
Thank you for sharing your feedback. We're sorry to hear about your experience and understand your frustration.
After reviewing your case, we identified some factors that contributed to the challenges you encountered while using the platform. Throughout this process, I do see our support team remained in contact with you via email to investigate this issue and provide assistance.
We'd also like to clarify that while we offer AI-powered self-serve prompt assistance, live support is available through email and chat. Phone support is available with for paid Boost & Unlimited plans. At this time, you were on a free trial, which limits support to email and live chat, but we understand this may not have matched the type of assistance you were seeking.
We appreciate your feedback and will share your experience with the appropriate teams as we continue working to improve our product and support experience.
Best,
Team Melio
Wouldn't recommend
I came across a public signup promotional offer and signed up after reviewing the terms and conditions. I sent my first payment and it was an okay-ish process but not that intuitive. There are better options on the market and I'll keep my existing setup.
Trust is all that there is in these types of companies. I fulfilled my end of the promotional signup and met the terms and conditions of the account. After reaching out to customer service they claim that the offer can be cancelled based on fraud or abuse. Poor form, complete trash way to speak to someone.
26 May 2026
Unprompted review
Reply from Melio
Hi there,
We’re sorry to hear you feel this way and appreciate you taking the time to share your experience. We understand how important trust and clear communication are, especially regarding promotional offers and account reviews. We’d be happy to take another look into your situation if you’d like. Please reach out to us at reviews@melio.com with more context about the promotion, and our team will review it further.
Best,
Team Melio
Excellent communication skill and sharp…
Excellent communication skill and sharp skill to understand customer problems with Melio Payment system. Hadesa was the only customer service person who fixed our problem after others bumped us.
18 May 2026
Unprompted review
Reply from Melio
Hi Jethwa,
Thank you for your kind words and for sharing your experience. We’re so glad Hadesa was able to step in, understand the issue quickly, and get it resolved. Providing attentive and effective support is very important to us, and we’ll be sure to share your feedback with Hadesa and the team. We truly appreciate your trust and support!
Best,
Team Melio
I would give this company a 0 if I…
I would give this company a 0 if I could. This company was used as a secondary company to allow the transaction of a timeshare purchase transaction. I was the seller and the other company the buyer. I had to pay the buying company $800.00 to start the timeshare transfer. Melio should have verified that the transaction was completed and that the timeshare transfer was completed. THEY DID NOT!! They are a shell for scam companies, so be aware!!! They state that the payer agrees that the agreement is completed when you send the money to them (that they send to the receiver.) So they verify nothing as they state. They say that they protect the customer. THEY DO NOT! DO not use this company. They protect you from nothing.
UPDATED: In response to you, YOU certainly did not reach out to me until AFTER you forwarded my money. As I claim, Melio DID NOT DO WHAT IT IS SUPPOSED TO DO and that is act as a holding company for contractual agreements. You are lazy and you are a sham. USERS PLEASE BEAWARE. DO NOT WORK WITH THIS COMPANY!!!!
30 April 2026
Unprompted review
Reply from Melio
Hi Cherry,
Thank you for your detailed feedback. We’re sorry to hear about your experience and understand how frustrating this situation must have been. Your input is valuable to us and helps us continue improving both our platform and customer experience.
After reviewing our records, we can confirm that our team previously reached out regarding this matter and worked directly with you to resolve the issue. As outlined in the Terms of Service agreed to upon using the platform, certain account actions and fund recoveries may occur in situations involving payment disputes, reversals, or returned transactions.
We appreciate your patience and understanding throughout the process.
Best,
Team Melio
Great Job Sara V
The rep that helped us was Sara V - She did an AMAZING JOB!!! Best person so far to help us fix the issues we were having. Thanks Sara V we appreciate you help.
27 April 2026
Unprompted review
Reply from Melio
Hi Cheri,
Thank you for your awesome feedback! We’re thrilled to hear Sara V provided such outstanding support and resolved your issue effectively. We’ll be sure to share your kind words with her!
Best,
Team Melio
Nechial was very clear and helpful in…
Nechial was very clear and helpful in walking me through the process. I greatly appreciate her patience and clear communication in resolving my problem.
17 April 2026
Unprompted review
Reply from Melio
Hi Francesca,
Thank you for your kind feedback! We’re glad Nechial’s clear communication and patience made the process smooth and helped resolve your issue. We’ll be sure to pass along your appreciation!
Best,
Team Melio
Account suspended on day two without warning. Is this even a legitimate company?
I signed up and went through onboarding. The platform told me I was ready to receive money. So I created a payment link and started distributing it to customers.
The next day, after the payment link had begun to see use, my account was suspended without warning, which is making me look like a fool to customers and is having a very real impact on my ability to get paid.
Don't make the same mistake I did. Use literally anything else.
Update: It's been over a week and support has been completely unresponsive. There was a reply here on Trustpilot from Melio which offered help, but it seems that was just an attempt to save face publicly. To make matters worse, while my account is suspended, my payment link still appears to be up, misleading customers into thinking they can still submit payments to me through Melio. Taking bank info and payments then vanishing is scammer behavior, not legitimate business behavior.
I ended up using Helcim instead, which works better and has an amazing and highly responsive support team.
Update 2: After TWO WEEKS, I finally got a response from Melio. As far as I could tell, it was canned or just AI. It claimed that they can't explain the reason for their decision, but it was based on a "thorough review". I'm curious what exactly their "thorough review" entailed, because it definitely did not involve running a credit check, making any contact, or even knowing what my business does.
Helcim is still amazing. Just use them instead.
13 April 2026
Unprompted review
Reply from Melio
Hi Chris,
Thank you for your feedback. We recognize how disruptive an account suspension during onboarding can be and appreciate you bringing this to our attention.
If you’d like us to revisit your case, please reach out to reviews@melio.com and our team will review it personally.
Best,
Team Melio
This is one of the worst payment…
This is one of the worst payment platforms ever. The customer service/support is horrible and don't expect them to explain things to you or have an actual human to speak with to resolves issues. I have a legitimate business and they were asking me for documents that do not apply I have everything needed from the state and it's to prove I have a business and they still froze my payments and shut down my account and you can never get a real person on the phone except their outsourced customer service number who can't do anything to help you. I really wanted to like this platform but the more they let robots take over the horrible they get
13 April 2026
Unprompted review
Reply from Melio
Hi Lee,
Thank you for your detailed feedback. We’re sorry to hear about your experience and understand how frustrating this must have been. Your input is incredibly valuable in helping us improve.
If you’d like, we’d be happy to take another look. Please email us at reviews@melio.com , and our team will review your case.
Best,
Team Melio
Great Help with Payments
Sara V. did a great job assisting me with payments that were accidentally sent by my client. She was quick and precise.
9 April 2026
Unprompted review
Reply from Melio
Hi Brett,
Thank you for your amazing feedback! We’re glad Sara V was able to resolve the issue quickly and accurately. We’ll be sure to pass along your appreciation!
Best,
Team Melio
Melio's AI randomly blocks payments
Melio randomly blocks payments due to AI-powered "compliance and acceptable use guidelines" including "payments between individuals". This includes vendors you may have paid in the past. In our case, we're a business (501(c)(3) charitable org) paying an individual artist for performing/exhibiting, and we are suddenly receiving random rejections due to unspecified issues. All these issues are flagged by AI, and impact our ability to pay vendors. As a 501(c)(3) with a lawyer on our board, we are very cautious about our use of funds, and yet we still receive random rejections from Melio Payments.
1 April 2026
Unprompted review
Reply from Melio
Hi there,
Thank you for sharing your experience. We understand how frustrating it can be to have payments unexpectedly blocked.
If you’d like, we’d be happy to take another look at your situation to help clarify and resolve any issues. Please email us directly at reviews@melio.com, and we’ll prioritize reviewing your case.
We appreciate you taking the time to provide this feedback.
Best,
Team Melio
Great Customer Service via Chat
Over the last couple of days, I've chatted with 3 reps from Melio regarding 2 different issues. Katrina, Paola and Anthony were all very helpful and informative. Response time via chat is very quick and the information is always helpful and thorough. Thanks for the great service!
1 April 2026
Unprompted review
Reply from Melio
Hi Sue,
Thank you so much for your kind feedback! We’re thrilled to hear Katrina, Paola, and Anthony were able to provide helpful and thorough support. Quick, reliable service is exactly what we strive for, and we’re glad it made a difference for you.
Best,
Team Melio
They make it easy
It was an easy process to have something altered or fixed. No fuss just helpful!
31 March 2026
Unprompted review
Reply from Melio
Hi Megan,
Thank you for your feedback! We’re thrilled to hear you found the process easy and hassle-free. Making things simple and helpful is exactly what we aim for!
Best,
Team Melio
Anthony guided me to the correct solution
Anthony corrected an incomplete solution offered by a colleague in a previous call. His work was quick, efficient, and professionally delivered.
30 March 2026
Unprompted review
Reply from Melio
Hi Henry,
Thank you for your kind feedback! We’re glad Anthony could quickly and professionally resolve your issue. We’ll be sure to share your words with him!
Best,
Team Melio
Reply from Melio
Hi Indya,
Thanks so much for your kind words. We really appreciate it! So glad Quinn was able to jump in and resolve things quickly for you. We’ll be sure to pass this along to him!
Best,
Team Melio
Stop Bill Payment
I sent an urgent email to support and it was answered promptly .
30 March 2026
Unprompted review
Reply from Melio
Hi Johanna,
Thanks for your feedback! We’re glad to hear your urgent request was handled promptly; that’s exactly the level of support we strive to provide. We appreciate you choosing Melio!
Best,
Team Melio
Quinn responded quickly and with the…
Quinn responded quickly and with the information I needed to get help.
27 March 2026
Unprompted review
Reply from Melio
Hi Jamison,
Thank you so much for your kind words. We truly appreciate it! We’re thrilled to hear Quinn was able to respond quickly and provide the help you needed. We’ll be sure to share your feedback with him. I'm sure it will mean a lot.
Thanks again for choosing Melio!
Best,
Team Melio
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