Connect a card
Connect the cards you or your clients already use for business expenses. No new card needed.
Expense management software
Expense management that ends the receipt chase.
Connect the cards you already use, and the moment someone spends*, they’ll get a prompt to snap the receipt straight to your account, ready for review. No new card, no new app, no more chasing.
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How Melio simplifies expense management
Spender gets a prompt
Every time the card is used, the spender will get a text or email prompting them for the receipt.
Review and sync
Receipts get automatically stored and categorized for review and coding, and are synced with your accounting software.
Built for both businesses and firms
Whether you’re running a business or running the books for clients, Melio’s expense management software is built for how you already work.
For your business
Get back the hours lost to chasing and coding receipts. Manage expenses right alongside your bills, while keeping the cards and rewards you already have.
For your firm
Stop chasing client receipts. Clients keep their cards and rewards, and capture receipts with a simple real-time* prompt. No new app or training needed.
Expense management made easy
Easy receipt capture
The moment a business purchase is made, spenders get prompted for a receipt via text or email—which they can then upload from their phone. No new app to open, no new account to create.
Automatic categorization
Lighten your expense report load. Every receipt gets stored for easy review and coding, and then synced automatically to Xero or QuickBooks.
Keep your card and rewards
Melio’s expense management solution allows you to add the credit or debit card you or your clients already use. No new card needed.
One tool for both bills and expenses
Manage expenses and bill payments in one place with Melio’s full suite of AP and AR payment solutions. No separate login required.
Your clients will thank you, and you’ll thank them!
Client expense management shouldn’t slow you down. With Melio, receipts and context arrive already attached, so month-end close takes less time—freeing you up to provide more high-value advisory services to your clients.
Stop the chase
Cardholders capture the receipt and the context the moment they spend. You review and code it all in one place.
No switching needed
Clients can keep the card they already use without losing their rewards. No new card or app needed.
Less busywork
Automatic accounting software sync means less time spent on busywork and more time spent on advisory work
What changes when you manage expenses with Melio
The old way
With Melio
Chasing employees and tracking down paper receipts.
Receipts arrive via text as soon as spend happens.
Manual data entry into a spreadsheet.
Automatic bills categorization, synced directly to QuickBooks and Xero (or exported).
Switching to a special business credit card to track spend.
Keep the card you or your clients already use and hold on to the rewards.
Separate tools for bills and expenses.
Bills and expenses managed in one place.
Expense Management FAQ
Expense management is how a business tracks, categorizes, and records what it spends, from purchase to bookkeeping. Melio Expense Management does this automatically: cardholders get a text and/ or email when they spend, and the receipt gets uploaded through a simple link.
Expense management brings real advantages to a growing business, and to the accountants who serve them. Here are the biggest ones:
Time-saving: Automating receipt capture and coding means fewer hours lost to chasing paper and building expense reports by hand.
Fewer mistakes: With less manual entry, you reduce miscategorized transactions and missing receipts.
Faster month-end close: Real-time visibility into what’s been spent, and by whom, means less cleanup before the books close.
Stronger client relationships: For accounting firms, not asking clients to switch cards or learn a new app keeps onboarding painless.
Better tax readiness: Recorded receipts and categorized expenses mean fewer surprises come tax season.
Managing bills and expenses in one place: Less logins, less passwords, and less juggling between platforms.
Managing expenses with Melio follows a simple flow:
- Connect: link the cards you, or your clients, already use for business expenses.
- Capture: a text goes out the moment a purchase happens,¹ and a reply attaches the receipt.
- Review: check the details and make any adjustments needed.
- Code: categorize the expense and assign it to the right client or cost center.
- Sync: push everything to QuickBooks Online or Xero, or export it.
You can also set whether cardholders get SMS and/or email alerts, how often they receive them, or turn alerts off entirely.
Yes, you can use the cards you already have to manage expenses with Melio. There’s no new card to apply for and nothing to switch. Melio works with the cards, and the rewards, you’re already using.
No, employees and cardholders don’t need to download anything. Receipt capture works by a simple real-time prompt*: they get a message when they spend, and a reply is all it takes.
Yes, Melio connects seamlessly with QuickBooks and Xero, keeping your books synced so your accounting stays clean, consistent, and easy to manage. If your accounting software isn’t synced, you can export your expenses instead.
Yes, accounting firms and bookkeepers can manage expenses across their clients from one account, with roles and permissions to control who sees what. Learn more here.
Expense management is included at no extra cost. Learn more on our pricing page.
