Melio — Automate accounts payable and receivable

Melio is an automated payment platform for small businesses to manage accounts payable and receivable online.

Melio is a digital accounts payable and receivable platform that automates how small businesses pay vendors and collect payments. This solution is built specifically for small business owners and finance teams who need to move away from paper checks and manual data entry. By centralizing all b2b transactions into a single dashboard, users can maintain better control over their cash flow and payment timing. The platform allows you to pay almost any business bill using a bank transfer or credit card, even if the vendor only accepts checks. When you pay through Melio, the system handles the delivery of funds via ACH or a physical check mailed on your behalf. Business owners can also use the tool to request payments from clients, offering them multiple ways to pay online which often results in faster settlement times. Integration is a core strength of this tool, as it automatically syncs with popular accounting software to eliminate double entry. You can find more details and alternative financial tools on surfai.app to optimize your back-office operations in 2026. The system also includes approval workflows, allowing owners to review and authorize payments submitted by staff members before they are processed. Melio operates on a freemium model where many standard ACH transfers are free, while expedited payments or credit card transactions incur specific processing fees. This allows businesses to scale their usage based on their monthly volume and urgency requirements.

• Pricing: freemium

Specifications

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