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About

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

About

Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Audience

Organizations interested in a powerful solution to way to create and pay bills, send invoices, and get paid

Audience

Small and medium-sized businesses that are looking to better manage their cash flow and get rid of busywork.

Support

Phone Support
24/7 Live Support
Online

Support

Phone Support
24/7 Live Support
Online

API

Offers API

API

Offers API

Screenshots and Videos

Screenshots and Videos

Pricing

$45 per user per month
AP: Starts at $45/user/month
Spend & Expense: $0/user/month
Free Version
Free Trial

Pricing

Free
Melio provides four subscription plans: Go, Core, Boost, and Unlimited.

Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.

What’s included in Melio Go:
5 free ACH transfers per month
10 free syncs with QuickBooks Online & Xero
Pay by card or bank—vendor receives check, ACH, or wire transfers
Easy bill management: Upload, scan, or import bills
Dedicated email for automatic bill capture
Global payments in USD or local currencies
Recurring and partial payments
Instant payments
Free mobile app (iOS & Android)
Accept payments via custom links

Melio Core is a more feature-rich version of Melio Go, recommended for businesses that need greater control and efficiency with automated workflows and 2-way sync.

Start your 30 day free trial to test Melio before you choose your plan.
Melio Core includes everything in Melio Go, plus:
20 free ACH transfers per month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay multiple bills at once
Combine payments into a single transaction
User roles, permissions, and management
Automated approval workflows
W-9 collection & 1099 e-filing
Automatic capture of bill line items

Melio Boost provides access to priority support, faster payment options, and advanced controls.

Start your 30 day free trial to test Melio before you choose your plan.
Melio Boost includes everything in Melio Core, plus:
50 free ACH transfers per month
2-day delivery for all ACH transfers
Advanced custom multi-user workflows
2-way auto-sync with QuickBooks Desktop
Advanced bill attributes (classes & locations)
Premium customer support

Melio Unlimited gives your business room to grow with unlimited ACH payments and user seats for one monthly or annual fee.

Start your 30 day free trial to test Melio before you choose your plan.
Melio Unlimited includes everything in Melio Boost, plus:
Unlimited free ACH transfers per month
Unlimited user seats
Dedicated account manager
White-glove onboarding
Free Version
Free Trial

Reviews/Ratings

Overall 4.4 / 5
ease 4.6 / 5
features 4.6 / 5
design 4.4 / 5
support 5.0 / 5

Reviews/Ratings

Overall 4.6 / 5
ease 4.5 / 5
features 4.5 / 5
design 4.5 / 5
support 4.3 / 5

Pros & Cons from Real Users

Pros

  • This is a great way to pay all our bills in one place from multiple sources. It is intuitive to use . You can set up two or three way approvals with this system to streamline your approval system.
  • I like how easy it is to add new invoices to be paid. Once the invoices are in the system it automatically matches them to vendors. This can help quicken the data entry process. It also allows us to maintain internal controls by allowing a remote worker to make the payments and separate the work. Being able to pay vendors via electronic fund transfers is great and the process to request the vendor set it up is easy on our end.
  • We are a small non-profit without a dedicated administration or accounting team, and bill.com has been a great way to easily pay invoices, even to international donors. Customer support has been prompt when we've had questions or need assistance.
  • I like that Bill.com connects to QuickBooks and is user-friendly for people who don't have extensive experience in accounting. The features are intuitive, and tech support is available via chat when I need it.
  • - The image processing feature works excellently, as soon as a new bill is uploaded, it is converted into digital text and saved. Makes it easy to save and forget bills.

Cons

  • They don't send out true remittances, only notifications. It would be nice if they notification included the invoice numbers being paid and all credits taken. Integration with Quickbooks Online is a little clunky and needs some work.
  • Sometimes I have to help vendors set up the electronic funds transfer information. It can be confusing on their end sometimes.
  • The paid service can be a bit pricey, but I have not found a cheaper alternative that allows for online approvals.
  • From an A/R perspective, it is cumbersome for customers to connect and pay their bills using the platform. If they made it possible to pay via credit card or bank transfer instead of going through so many steps to sign up, my customers would be happier to use bill.com to pay their bills.
  • - I would appreciate some data analytics on my past usage and some suggestions about how I can reduce the spending on some things.

Pros from Real Users

Pros

  • I like that bills can be entered directly into Melio, or Melio can get them from the accounting software. Also, the ability to email bills to Melio is a great option for business owners/employees who aren't hands-on with the bookkeeping side of things.
  • 1. Simplifies Bill Payments: Say goodbye to manual checks and envelopes. Melio lets you pay vendors through ACH bank transfers, credit cards, or debit cards, even if they don't accept electronic payments. Schedule payments in advance, ensuring you never miss a deadline and avoiding late fees. Combine or split payments easily, making it convenient to handle complex billing situations. Send payments with notes or attachments, adding a personal touch and streamlining communication with vendors. 2. Saves Time and Money: Eliminate the need for manual data entry. Melio automatically syncs with popular accounting software like QuickBooks and Xero, saving you hours of tedious work. Reduce late fees and postage costs. Paying electronically through Melio can help you avoid these unnecessary expenses. Earn rewards on eligible payments. When you pay with a credit card through Melio, you can earn points or cashback,
  • Melio is so user friendly! It is easy to login and review payments or vendors and find the information that I need. If I ever have a question or concern, the support team is jus t a few clicks away.
  • Clean user interface, the ability to contribute to multiple organizations with a single personal profile, integrates with popular accounting software, the ability to send a payment or request to someone that doesn't have a Melio account, and, my favorite feature so far, free ACH payments.
  • With Melio, One is able to pay even non Melio users. In addition, i love the fact that you can decide if person been paid receives direct deposit or Check.
  • The payment gateway and UI is good, the experience is also good, also the ease of access is designed a better way.
  • User-Friendly Interface: Melio offers an intuitive and easy-to-navigate platform, making it simple for users to manage their transactions. Time-Efficient: The payment process is quick and efficient, saving valuable time for both businesses and customers. Versatile Payment Options: MelioPayments supports various payment methods, providing flexibility for users to choose their preferred way of making transactions. Invoice Management: The platform's robust invoice management system allows for easy tracking and organization of payments, streamlining the overall financial workflow. Customer Support: The customer support team is responsive and helpful, addressing queries and concerns promptly.
  • I've been using Melio for my property management business, and it has truly streamlined the way I handle payments. The platform's user-friendly interface makes it a breeze to both send payments to businesses and receive payments from clients. The straightforward design makes the payment process quick and efficient.
  • User-friendly interface. Add an unlimited number of team members effortlessly. Sync seamlessly with your accounting software. No need to worry about monthly fees when using Melio. Initiate payments instantly, opt for same-day bank transfers, or choose fast check for expedited 3-day delivery. Consolidate multiple bills to a single invoice for the same vendor. Take advantage of the option to make partial payments. Set up recurring payments with ease. Vendors don't have to sign up with Melio to receive payments. Flexibility to pay both domestic and international vendors. Decide when and how you want to pay your vendors. Choose from ACH transfers, card payments, international bank transfers, or send a check to your vendor. Pay vendors on the go using Melio's mobile app. Run your business from anywhere with Melio's convenient features. Maintain control over tasks with customizable approval workflows. Allocate payment responsibilities among your team members. Effortlessly capture bills in various ways with Melio's easy bill capture – take a photo, upload an invoice, manually enter details, connect with your accounting software, or send invoices to your Melio pay inbox. Schedule payments conveniently. Make payments in installments without impacting your credit score.
  • As a Business Development Manager/ Co owner of IKJewels and and Affiliate Partner using Melio as a payment option for my team is really reliable and easy to use. Especially when paying Business Bills. You Pay business bills with bank transfers for free or pay by card, even where cards aren’t accepted also there’s no monthly fee and your vendors don’t need to sign up. Melio is highly recommended especially for start ups and growing business. Melio will be your partner for success!

Training

Documentation
Webinars
Live Online
In Person

Training

Documentation
Webinars
Live Online
In Person

Company Information

BILL
Founded: 2006
United States
www.bill.com

Company Information

Melio
Founded: 2018
New York
melio.com/accounts-payable/

Alternatives

Alternatives

Categories

BILL's Accounts Payable solution transforms the tedious invoice-to-payment journey into a streamlined digital experience. Say goodbye to paper chaos and manual errors. With BILL AP, you can: - Capture invoices instantly through email, scanning, or direct upload - Automate approval workflows that adapt to your business rules - Pay vendors their way with multiple payment methods - Sync seamlessly with your accounting software - Access anywhere with mobile-friendly cloud technology Stop drowning in paperwork and reclaim hours each week. BILL AP doesn't just process payments—it elevates your entire financial operation with visibility, control, and efficiency that paper-based systems simply can't match. For businesses ready to modernize their AP process, BILL delivers the perfect balance of powerful automation and intuitive design that makes paying bills the easiest part of your day.

BILL's Accounts Receivable solution turns the frustrating chase for payments into a smooth, predictable cash flow engine. With BILL AR, you can: - Send professional invoices instantly that make payment easy for customers - Track payment status in real-time with clear visibility into what's paid, pending, and overdue - Accept payments virtually any way your customers want to pay - Automate reminders that politely keep customers on track without awkward conversations - Reconcile transactions automatically with your accounting system Stop wondering when you'll get paid and start planning with confidence. BILL AR shortens your cash conversion cycle, reduces days sales outstanding (DSO), and transforms accounts receivable from a bottleneck into a business accelerator. For growth-focused businesses, BILL AR delivers the digital efficiency, payment flexibility, and financial clarity that turns receivables into reliable revenue—letting you focus on your business, not your billing.

BILL's Accounts Payable solution transforms the tedious invoice-to-payment journey into a streamlined digital experience. Say goodbye to paper chaos and manual errors. With BILL AP, you can: - Capture invoices instantly through email, scanning, or direct upload - Automate approval workflows that adapt to your business rules - Pay vendors their way with multiple payment methods - Sync seamlessly with your accounting software - Access anywhere with mobile-friendly cloud technology Stop drowning in paperwork and reclaim hours each week. BILL AP doesn't just process payments—it elevates your entire financial operation with visibility, control, and efficiency that paper-based systems simply can't match. For businesses ready to modernize their AP process, BILL delivers the perfect balance of powerful automation and intuitive design that makes paying bills the easiest part of your day.

BILL's Accounts Receivable solution turns the frustrating chase for payments into a smooth, predictable cash flow engine. With BILL AR, you can: - Send professional invoices instantly that make payment easy for customers - Track payment status in real-time with clear visibility into what's paid, pending, and overdue - Accept payments virtually any way your customers want to pay - Automate reminders that politely keep customers on track without awkward conversations - Reconcile transactions automatically with your accounting system Stop wondering when you'll get paid and start planning with confidence. BILL AR shortens your cash conversion cycle, reduces days sales outstanding (DSO), and transforms accounts receivable from a bottleneck into a business accelerator. For growth-focused businesses, BILL AR delivers the digital efficiency, payment flexibility, and financial clarity that turns receivables into reliable revenue—letting you focus on your business, not your billing.

BILL Spend & Expense transforms the headache of expense management into a painless digital process. Say farewell to lost receipts, delayed approvals, and manual reconciliation. With BILL Expenses, you can: - Capture receipts on the go with quick mobile snaps that digitize instantly - Create and submit expense reports in minutes, not hours - Set approval workflows that respect your company policies - Process reimbursements quickly so your team isn't left waiting - Gain real-time visibility into spending patterns and budget impacts Stop chasing paper trails and spreadsheet nightmares. Eliminate the friction between spending and accounting, giving employees, managers, and finance teams exactly what they need—simplicity, speed, and accuracy. For businesses tired of expense management chaos, BILL Spend & Expense delivers the digital transformation that turns one of your most tedious financial processes into one of your most transparent and efficient.

BILL Spend & Expense transforms the headache of expense management into a painless digital process. Say farewell to lost receipts, delayed approvals, and manual reconciliation. With BILL Expenses, you can: - Capture receipts on the go with quick mobile snaps that digitize instantly - Create and submit expense reports in minutes, not hours - Set approval workflows that respect your company policies - Process reimbursements quickly so your team isn't left waiting - Gain real-time visibility into spending patterns and budget impacts Stop chasing paper trails and spreadsheet nightmares. Eliminate the friction between spending and accounting, giving employees, managers, and finance teams exactly what they need—simplicity, speed, and accuracy. For businesses tired of expense management chaos, BILL Spend & Expense delivers the digital transformation that turns one of your most tedious financial processes into one of your most transparent and efficient.

BILL Spend & Expense transforms the headache of expense management into a painless digital process. Say farewell to lost receipts, delayed approvals, and manual reconciliation. With BILL Expenses, you can: - Capture receipts on the go with quick mobile snaps that digitize instantly - Create and submit expense reports in minutes, not hours - Set approval workflows that respect your company policies - Process reimbursements quickly so your team isn't left waiting - Gain real-time visibility into spending patterns and budget impacts Stop chasing paper trails and spreadsheet nightmares. Eliminate the friction between spending and accounting, giving employees, managers, and finance teams exactly what they need—simplicity, speed, and accuracy. For businesses tired of expense management chaos, BILL Spend & Expense delivers the digital transformation that turns one of your most tedious financial processes into one of your most transparent and efficient.

BILL transforms business spending with digital payment technology that's secure, controlled, and efficient. - Generate unique cards instantly for specific vendors or purchases - Set precise spending limits and controls - Enhance security by eliminating shared card numbers - Automate reconciliation with your accounting system - Track expenses in real-time - Earn cashback on eligible purchases Stop managing physical cards and manual processes. BILL puts control in your hands while streamlining your purchase-to-reconciliation workflow—turning everyday business spending into a strategic advantage for your bottom line.

Categories

Accounts Payable Features

Approval Process Control
Bank Reconciliation
Cash Management
Check Writing
Duplicate Payment Alert
Fraud Detection
General Ledger Entry
Vendor Management

Accounts Receivable Features

ACH Payment Processing
Billing & Invoicing
Check Processing
Collections Management
Online Payment Processing
Overpayment Processing
Partial Payments
Receivables Ledger
Recurring Billing

Billing and Invoicing Features

Billing Portal
Contact Database
Contingency Billing
Customer Portal
Customizable Invoices
Dunning Management
Hourly Billing
Invoice History
Mobile Payments
Multi-Currency
Online Invoicing
Online Payments
Payment Processing
Project Billing
Recurring/Subscription Billing
Service Ticket Billing
Tax Calculator

Payment Processing Features

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Recurring Billing Features

Customer Portal
Deferred Billing
Discount Management
Dunning Management
Invoice History
Multi-Currency
Multi-Period Recurring Billing
Payment Processing
Recurring Donations
Subscription Billing

Budgeting Features

"What If" Scenarios
Asset Planning
Balance Sheet
Capital Asset Planning
Cash Management
Consolidation / Roll-Up
Forecasting
General Ledger
Income Statements
Multi-Company
Multi-Department / Project
Profit / Loss Statement
Project Budgeting
Run Rate Tracking
Version Control

Expense Report Features

Approval Process Control
Invoice Management
Multi-Currency
Receipt Management
Reimbursement Management
Spend Control
Time Tracking
Workflow Management

Spend Management Features

Approval Workflow
Budgeting / Forecasting
Expense Tracking
Multi-Currency
Prepaid Cards
Procurement Management
Receipt Management
Spend Analysis
Spend Control
Supplier Management

Accounts Payable Features

Approval Process Control
Bank Reconciliation
Cash Management
Check Writing
Duplicate Payment Alert
Fraud Detection
General Ledger Entry
Vendor Management

Accounts Receivable Features

ACH Payment Processing
Billing & Invoicing
Check Processing
Collections Management
Online Payment Processing
Overpayment Processing
Partial Payments
Receivables Ledger
Recurring Billing

Billing and Invoicing Features

Billing Portal
Contact Database
Contingency Billing
Customer Portal
Customizable Invoices
Dunning Management
Hourly Billing
Invoice History
Mobile Payments
Multi-Currency
Online Invoicing
Online Payments
Payment Processing
Project Billing
Recurring/Subscription Billing
Service Ticket Billing
Tax Calculator

Payment Processing Features

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Recurring Billing Features

Customer Portal
Deferred Billing
Discount Management
Dunning Management
Invoice History
Multi-Currency
Multi-Period Recurring Billing
Payment Processing
Recurring Donations
Subscription Billing

Bookkeeping Features

Accounts Payable
Accounts Receivable
Bank Reconciliation
Billing & Invoicing
Cash Management
Collections
Expense Tracking
Fixed Asset Management
General Ledger
Payroll
Revenue Recognition
Spend Management
Tax Management

Integrations

FreshBooks
QuickBooks Online
Xero
Ace Cloud Hosting
DualEntry
Earth Class Mail
Hubdoc
Justt
Lula Commerce
Mesh
Microsoft Dynamics 365
Microsoft Dynamics 365 Business Central
Motileo
NetSuite
QuickBooks Desktop Premier
QuickBooks Desktop Pro
Sage 100
Sage 50
Sage Intacct
Tax1099

Integrations

FreshBooks
QuickBooks Online
Xero
Ace Cloud Hosting
DualEntry
Earth Class Mail
Hubdoc
Justt
Lula Commerce
Mesh
Microsoft Dynamics 365
Microsoft Dynamics 365 Business Central
Motileo
NetSuite
QuickBooks Desktop Premier
QuickBooks Desktop Pro
Sage 100
Sage 50
Sage Intacct
Tax1099
Claim BILL and update features and information
Claim BILL and update features and information