Had a Vendor that Payment did not go through. Other than pushing you off to thier Bot for a problem I knew the autmation could not solve without a real person. Brady looked into the solution and help... 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
I called in needing assistance for bill pay for my QuickBooks desktop. Lulu was extremely professional, helpful and polite. While we were unable to accomplish what we needed on the call, Lulu followed... See more
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
Sara V should get a raise. She replied with multiple emails and helped me understand the options for my Fast ACH payment. I got the run-around with Melio chat who said I had to contact Intuit. I calle... 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
3.9
Great
2K reviews
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.
Terrible Customer Service and Garbage Business Practices
I was notified by email that my payment was Denied and that my account and activity didn't meet the Acceptable Use guidelines as outlined in their Terms of Service Agreement. I sent an email back to the verification team and did not receive any response back. I tried to complete the payment again and was denied again. I reached out to through the chat feature and was told "Unfortunately, your account has been deactivated and you are no longer able to process payments on our platform.
We cannot provide you with any further information at the Support level. Please email our Verification team if you require more information."
Chat provided the same email address I had already sent an email to with no response.
The Chat representative then stated after researching further: "It looks like they've reviewed the account. At this time, we cannot provide you with any further information. Please know that if we felt there was information that would have helped us in this decision, we would have reached out to request it. This isn't something that could be overturned at this time."
It is very disappointing as a business owner trying to make a payment transaction that I need to make to run my business that they would deactivate my account and deny all payments with no reason or explanation. I provided all of my account details and business documentation.
Very poor business practices!
August 6, 2025
Unprompted review
Reply from Melio
Hi Erica,
Thank you for taking the time to share your experience with us. We understand how frustrating and disruptive this situation must be.
Please know that account reviews are a critical part of maintaining a secure platform for all customers, and these decisions are not taken lightly. While our Support Team has limited visibility into the outcome of these reviews, the Verification Team will reach out directly if any additional information is needed.
We truly regret the inconvenience this has caused and appreciate your understanding.
All the best, Team Melio
Bad customer service
Bad customer service. I'm weeks into getting a simple refund issue resolved that was the result of shady marketing practices on their end. The last person emailed me from support at melio.com telling me I needed to get in touch with the Support Team to get my question answered. They ARE the support team! The level of incompetence and internal lack of structure is a very bad sign. Plus, their marketing raises ethical flags. I do not like this company.
July 16, 2025
Unprompted review
Reply from Melio
Hi there,
Thank you for sharing your feedback. We’re sorry to hear about your experience and the frustration this has caused. This is not the level of service we aim to provide. We’d like to look into your case right away to ensure this issue is resolved as soon as possible. Please feel free to email us at reviews@melio.com and our team will be happy to assist you further.
We appreicate you bringing this to our attention.
All the best, Team Melio
Accidently fell on keyboard and reached…
Accidently fell on keyboard and reached out IMMEDIATLY to them stating I did not want the wire vs. ACH. Needless to say, no one contacted me till after the wire was already done and they refused to do any credit or apologize for THEIR delay in the response time.
July 18, 2025
Unprompted review
Reply from Melio
Hi Katie, we’re truly sorry to hear about your experience and the frustration it caused. We understand how important it is to feel heard and supported, especially in time-sensitive situations.
While we can’t reverse completed transactions, we do take concerns like yours seriously and are continuously working to improve our response times. If you’re open to it, we’d love the chance to connect directly and look into what happened more closely. Feel free to send us an email at reviews@melio.com.
Thank you for your feedback.
All the best, Team Melio
Reply from Melio
Hi there, thank you so much for the recommendation! We truly appreciate your support and are glad to hear you had a positive experience. If you have any questions or concerns, please don't hesitate to reach out!
All the best, Team Melio
Avoid THIS SERVICE
The customer service is not helpful. They repeatedly reference terms and conditions that do not apply to my payment. After so much back and forth, they eventually realized that the payment did not violate terms and conditions and approved it. They never gave me a chance to discuss it before that and ignored my messages or replied with the same canned reply that it violated the terms and conditions without any willingness to explain.
You are limited to emailing customer service and they do not provide much help at all.
Ultimately, they refused to expedite my payment to meet the due date even though the only reason it was delayed was because of their poor customer service and not reading their own terms and conditions / not actually working with me to evaluate the situation until I left a negative review.
July 14, 2025
Unprompted review
Reply from Melio
Hi Niya,
Thank you for taking the time to share your feedback. We’re sorry to hear about your experience and understand how frustrating this situation must have been.
We want to assure you that our team was in communication with you as recently as July 16th, working to resolve this issue and clarify the terms in question. While we’re glad the payment was ultimately approved, we recognize that the process did not meet your expectations.
Your experience matters to us, and we’re committed to learning from it. We’re continuously working to improve the clarity of our communication and the support we provide—your feedback plays an important role in that process.
Please don't hesitate to reach out if you have further questions or concerns.
All the best, Team Melio
Bradys was great!
Bradys was great! Patient and very knowledgeable. He helped me with my primary issue and then another one that need that I had forgotten about
July 10, 2025
Unprompted review
Reply from Melio
Hi David,
Thank you sharing your experience! We're really glad you were able to get all of your issues resolved with the very knowledgeable, Bradys!! :-)
We'll be sure to pass along your kind words to him.
Please don’t hesitate to reach out again if you need anything else—we're happy to support!
Best,
Team Melio
Quick answer to my question, very helpful
I was very pleased with the quick response to my question. Thank you very much.
July 7, 2025
Unprompted review
Reply from Melio
Hi Michael,
Thanks for sharing your feedback with us! We are happy to hear that you had a great experience and that our team was able to assist you quickly!
Please don't hesitate to reach out if you need anything else - we're here for you!
Best,
Team Melio
Melio Payments: Denied Without a Chance to Verify
As a legitimate small business using QuickBooks Online and BILL, I was shocked to receive a deactivation notice from Melio without any prior request for verification.
My company, MotherShip Hub LLC, has 4 months of recorded transactions, connected directly to QBO. I was never asked to submit my EIN, Articles of Organization, or even a bank statement — the decision to deactivate my account came with no outreach of any important business information. I have been in touch with the verification team for the last week now. It started through their "Chat team" and then it lead to email. I have requested a phone call time and time again, without any luck.
This is the last email I recieved from them: "As part of our regulations, we are required to thoroughly vet each account that uses Melio services to ensure that they are a small business and that their payment criteria is within the agreements we have with our processing partners. Unfortunately, we were unable to verify that MotherShip Hub LLC’s account and activity fall under our criteria. As such, the account has been deactivated and any pending transactions have been canceled. Apologies for any inconvenience this has caused."
First off, WE ARE A SMALL BUSINESS. Second off, "payment criteria" could mean so many things and I am happy to give any information regarding my business if I am just asked. I have stated this time and time again. As legitamate small business owners transitioning from Bill.com, we were excited to move our receivables to Melio — especially because of the ability to pass credit card fees to clients and simplify ACH payments.
I urge Melio to reconsider this approach. If a verification process is required, we should be asked to submit documentation, not summarily denied without explanation. This approach hurts small businesses that are trying to grow responsibly and operate transparently.
June 30, 2025
Unprompted review
Reply from Melio
Hi there, thank you for taking the time to share your feedback about your experience. We understand how disruptive and disappointing it can be to have your account deactivated, and we’re sincerely sorry for the frustration and lack of clarity you’ve encountered.
Melio is required to follow strict regulatory and compliance standards, which require all accounts to be reviewed by our internal team. After reviewing your interactions, we can confirm that our team sent an email on 6/24 to provide an update on the status of your account.
While we understand this is not the outcome you were hoping for, we sincerely apologize for any inconvenience this experience has caused.
We appreciate you bringing these concerns to our attention, and we’ll be sharing your feedback with our teams to help improve our communication and verification processes moving forward.
All the best, Team Melio
The support agent (Sara V.)
The support agent, Sara V., responded quickly with a thorough answer to my question. She went above and beyond. Excellent customer support!
June 27, 2025
Unprompted review
Reply from Melio
Hi Kellie,
Thank you so much for your kind words! We're thrilled to hear that Sara V. provided you with prompt and thorough support. Going above and beyond is what we strive for, and it's wonderful to know she made a positive impact.
We'll be sure to pass along your feedback to her. She'll be delighted to hear this recognition!
Warmly,
Team Melio
Reply from Melio
Hi there,
Thank you so much for the feedback! We're really glad Lilli could save the day! We'll be sure to pass along your kind words to her.
Please don’t hesitate to reach out again if you need anything else—we're happy to support!
Best,
Team Melio
Debbie was great to work with and was…
Debbie was great to work with and was quick to assist me with a different ACH email request. She also let me know for any future requests that it can only be sent every 48 hours.
June 25, 2025
Unprompted review
Reply from Melio
Hi Amanda,
Thanks for your wonderful words! We're so happy to hear about your experience with Debbie! We'll be sure to pass this along to her, as she'll be delighted.
Please don't hesitate to reach out if you need anything else - we're here for you!
Warmly,
Team Melio
Customer service was excellent as always
June 25, 2025
Unprompted review
Reply from Melio
Hi Michael,
Thanks for sharing your feedback with us. We are happy to hear that you had a great experience.
Please don't hesitate to reach out if you need anything else - we're here for you!
Best,
Team Melio
Debbie was helpful !!!
Debbie was responsive and was able to research my issues and come up with solutions. Great interaction.
June 25, 2025
Unprompted review
Reply from Melio
Hi Darryl,
Thank you so much for your feedback! We're delighted to hear that your interaction with Debbie was great! We'll be sure to pass this along to her, she will be happy to know!
Please don't hesitate to reach out if you need anything else - we're here for you!
Best,
Team Melio
So far so good
Anthony was Great, he was very helpful with my concerns and very nice. I have just recently started using Melio so far so good.
June 24, 2025
Unprompted review
Reply from Melio
Hi Kristi,
Thank you for your feedback! We’re ecstatic to hear about your positive new experiences with Melio and Anthony. Welcome aboard!
We’re always here to help if you need anything else!
Warmly,
Team Melio
Quick response and follow-up.
June 23, 2025
Unprompted review
Reply from Melio
Hi Debby,
Thank you so much for your wonderful feedback! We're delighted to hear that our team was able to respond and follow up as quickly as possible.
Providing quick and thorough support is one of the many things our Support team aims for.
Again, thank you for the feedback and your recognition!
Warmly,
Team Melio
thanks for being a great help
thanks for being a great help! Melio is great
June 23, 2025
Unprompted review
Reply from Melio
Hi Derin,
Thank you so much for your feedback! We're thrilled to hear you’re enjoying Melio and glad we could be of help.
Please don’t hesitate to reach out if you ever need anything — we're always here to support you!
Warmly,
Team Melio
Helpful support person, frustrating process
Quinn helped to get to the route of my payment hold issue. They were thorough with answering my questions and generally helpful. My low rating is not a reflection of them but a reflection of frustrations with Melio. It would be helpful to receive notice immediately when our account is on hold instead of having to reach out to investigate why our payments are not going through. Having to seek out info when something is not working properly has costed me a lot of time and left folks who are anticipating payments from us in lurch. This is a poor reflection on us (not on Melio) when we are late with delivering payments.
June 23, 2025
Unprompted review
Reply from Melio
Hi there, thank you for taking the time to share your experience. We're glad to hear that Quinn was able to assist you thoroughly and appreciate you recognizing their support.
We also want to sincerely acknowledge your frustration. You're absolutely right — delays in communication about account holds can create unnecessary stress. We understand how important timely payments are, and the experience you described is not the standard we aim to uphold.
Your feedback is incredibly valuable and has been shared with our team. We're actively working to improve our notifications and internal processes so that issues like this are communicated more proactively in the future.
Thank you again for your honesty — it helps us do better.
All the best, Team Melio
Anthony was quick to respond!
Anthony was quick to respond and answered all my questions regarding a situation that I hadn't dealt with before.
June 20, 2025
Unprompted review
Reply from Melio
Hi Sarah,
Thank you for your feedback! We’re thrilled to hear about your positive experience and quick resolve with Anthony . We’ll be sure to pass along your feedback. We’re always here to help if you need anything else!
Warmly,
Team Melio
Very prompt and kind and capable to…
Very prompt and kind and capable to resolve our issue.
June 20, 2025
Unprompted review
Reply from Melio
Hi there,
Thank you so much for your wonderful feedback! We're delighted to hear that our team was prompt, kind, and able to resolve your issue efficiently.
Providing helpful and timely support is something we take great pride in, and it's always rewarding to know we’ve made a positive impact. We truly appreciate your recognition!
Warmly,
Team Melio
This platform is absolute garbage
This platform is absolute garbage. Capital one transitioned to them back in Feb or Mar. I still can't get e-bills. Can't get paper bills either since bill pay was set up with Capital one Years ago! Also have to get a passcode EVERY TIME I want to look at billing. Visually it sucks too. When I set up advanced payments, it shows the date set up, not the pay date. Have to toggle back and forth between bill pay and Cap One and half the time need to get a new passcode in same session!!!! Annoying and makes no sense. Have been working with support since the transition and have accomplished nothing. Auto payments that were set up before the switch keep sending out even though I asked for them to stop ***This is a business account*** Complete mess!!!! have been late on payments to CC because not getting ebills.
April 3, 2025
Unprompted review
Reply from Melio
Hi Keren,
Thank you for sharing your experience, we’re truly sorry for the frustration this has caused. An agent has already escalated your issue on June 11th , and our team is actively looking into it. Once we have an update or resolution, the agent will follow up with you via email. In the meantime, if you need further assistance, please don’t hesitate to reach out to us at reviews@melio.com. We appreciate your patience as we work to resolve this.
Warmly,
Team Melio
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