Issue an invoice
Create a branded invoice in minutes with a built-in payment link.
Accounts receivable software
Automate invoicing and get paid online for free.
Melio is the invoicing software for small businesses who want to get paid without the complexity or extra cost. Send branded invoices, share payment links, accept card or bank payments, and automatically sync it all with QuickBooks or Xero.
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How Melio simplifies accounts receivable
Get paid
Your vendor chooses a bank transfer (free) or a card payment (you choose who covers the fee).
Track it all
Pending, in progress, or done; get notified as money moves.
Accounts receivable platform tools that pay off
Getting paid is free with Melio
AR capabilities are included with every Melio plan, so you’re not paying extra to get paid faster. Create and send invoices, generate payment links, and receive payments online.
Accept card payments in minutes
Get paid by card quickly and easily while saving both time and money. Set up takes minutes and you choose who pays the card processing fees.
Sync automatically with QuickBooks and Xero
Connect once and incoming payments sync straight to your books via QuickBooks or Xero. Payments match to invoices automatically, with AI categorization by class, location, and line item. Using QuickBooks Desktop? Talk to our team. Using Quickbooks Desktop?
Manage AP and AR from one place
Create and issue invoices, get paid, and automate accounts payable, all from the same Melio account. Keep it simple while staying in control of your cash flow.
Give your customers payment flexibility
Let them choose how to pay you, by card or ACH bank transfer. It takes just a few clicks to make a payment and your customers don’t even need to sign up!
Melio’s AR platform vs other payment platforms
Features
Other payment platforms
Melio
Features
AR included with every plan for free
Vendors get paid without needing to sign up
Syncs with QuickBooks & Xero
Limited support
Who pays the card fee?
Fixed by the platform
Your choice
Payment reminders
Manual
Automatic
Features built for businesses just like yours
Add your own branding to your bills
Customize your invoices, payment links, and emails with your brand logo.
No manual data entry required
Centralize all your incoming payments and eliminate manual data entry to make it easy to match the books with your bank account
Your clients can pay the credit card fee
Accept card payments and decide who pays the fee in advance.*
Personalized payment page link
Add your unique link to your business card, email signature or website to let business customers initiate payments.
Track every payment
Now you can see every stage of your payment—from the minute the payment request is emailed until it’s paid.
Full payment protection
No more bounced checks, forgery, chargebacks and ACH returns. With Melio, your business’ info is secure.
Add your own branding to your bills
Customize your invoices, payment links, and emails with your brand logo.
Your clients can pay the credit card fee
Accept card payments and decide who pays the fee in advance.*
Track every payment
Now you can see every stage of your payment—from the minute the payment request is emailed until it’s paid.
No manual data entry required
Centralize all your incoming payments and eliminate manual data entry to make it easy to match the books with your bank account
Personalized payment page link
Add your unique link to your business card, email signature or website to let business customers initiate payments.
Full payment protection
No more bounced checks, forgery, chargebacks and ACH returns. With Melio, your business’ info is secure.
Create a link and get paid faster
With Melio’s online invoicing software, you can send customers your link so they can pay you in just a few clicks. They get flexible payment options and you get paid directly to your bank account. Plus, you get to choose who pays the card processing fees.
The top choice for over 100,000 business owners
What other businesses say about getting paid with Melio
De Maison East
“We get quick clarity on our cash flow by using Melio. It's one of the most important tools we use daily and has been invaluable for us as a startup.” Ryan Looper, Director
Get yourself paid wherever business takes you
Create and send invoices from the palm of your hand with our mobile app. Review, track, and manage AR—wherever you are.
Learn more about AR automation with Melio
Accounts receivable (AR) is the money customers owe your business for goods or services already delivered. Good accounts receivable management means sending invoices promptly, following up on overdue payments, and reconciling what’s been paid, so cash keeps flowing in on time. Melio automates the follow-up and reconciliation work so you spend less time chasing payments.
Getting paid is free with any Melio plan. There’s no extra cost to send invoices or receive bank transfers. If a customer chooses to pay by credit card, you decide in advance whether you or your customer covers that processing fee. See pricing for full details.
No. Your customer clicks the payment link, fills in their details, and finishes in a few clicks without sign-up or a password to remember. The fewer steps between your invoice and their payment, the faster you get paid.
Create a branded invoice inside Melio and send it to your customer. It includes a built-in payment link so they can pay you quickly online. If you’re working with repeat clients who already know the drill, you can even skip the invoice and just send a payment link directly.
Yes. You can add your logo and customize the invoice template so customers see your business, not a generic payment form. That matters when you’re asking someone to enter their payment details; they need to recognize it’s actually coming from you.
No. Melio processes the payment on your behalf. Your customers pay through Melio’s system, and the money lands in your bank account without them ever seeing your routing or account number.
Yes. Melio supports role-based access, so you can give team members permission to send invoices and track payments without giving them access to bank account settings or anything sensitive. Useful when more than one person handles incoming payments.
For most businesses, yes, as long as you receive all relevant payments through Melio. Payment status, reminders, and reconciliation all live in one place. You’re not maintaining a separate tracking sheet and updating it manually every time money moves.
Melio automates the repetitive parts of accounts receivable: sending payment reminders, matching incoming payments to open invoices, flagging what’s overdue, and syncing everything with your accounting software. Businesses that used to spend hours each week on manual follow-ups and reconciliation usually find most of that time disappears. Setting up an automated reminder schedule once takes about fifteen minutes. Sending those same reminders manually every time does not.
Yes, Melio’s accounts receivable tools sync with QuickBooks and Xero. Incoming payments match automatically to open invoices, so your books stay reconciled without manual entry.
Accounts payable is money your business owes to vendors; accounts receivable is money customers owe you. Melio lets you manage both from one account: pay your bills and collect customer payments, all synced to your accounting software. See how accounts payable works with Melio.
For most small businesses, yes. Traditional AR collections software is often a paid add-on built for larger finance teams. Melio includes automated payment reminders, reconciliation, and payment tracking with every plan, so you don’t need a separate collections tool to follow up on overdue invoices.
