Sync with Xero and QuickBooks, both ways
Bills import on their own, payment status updates in real time, and transactions reconcile as you go. Integrate accounting software once to automate vendor payment management.
AP automation for tech startups
Accounts payable software for tech companies.
From AWS and SaaS subscription billing to contractors and overseas developers, pay all your bills and sync them straight to QuickBooks, Xero, or NetSuite. Save time and use it to grow your business.
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Choose accounts payable software built for tech companies
Use your card, even when not accepted*
Put your AWS bill or agency invoice on a credit card and we’ll send an ACH transfer or check. Float that spend for up to 45 days and earn card rewards on money you were spending anyway.
Pay contractors wherever they are
Send payments to 80+ countries in USD or 30+ local currencies. Our international vendor payment solution works even if they don’t have a Melio account.
Keep your approvals organized
Set approval rules by amount, category, or entity in minutes. Bills route to the right person automatically, keeping the bill approval process fast and simple. Approve bills anywhere with our app.
Save time with useful AI
From automatic bill capture with OCR technology to an AI assistant that can answer questions about your accounts payable history, we’ve got you covered.
Financial control features for startups
Batch payments
Handle SaaS subscription billing, cloud billing, and contractor invoices in one workflow.
AP and AR, together
See what’s going out and what’s coming in. One account for better cash flow management.
Multi-entity AP
Software that delivers multi-entity AP automation, with separate books and approval flows for each.
Payment scheduling
When you pay your bills, you decide the charge date and see when the payment will land.
Same-day ACH
When business demands speed, we get the funds there fast.
No vendor sign-up
Vendors can get paid without creating an account, so there’s no friction, just fast payments.
Why high-growth tech companies choose Melio
QBench
“The return we get from Melio makes the cost an easy decision. We do enough volume, and it’s helpful with vendors that Melio is a trusted brand.” Trevor Ewen, COO
FAQ for software and technology companies
It’s highly subjective, but we believe that accounting software integration, payment scheduling, expense management, and a smooth bill approval process are all important features in accounts payable software. We do all of that and much more.
Bills sync two ways with QuickBooks Online and Xero. You can pay by ACH or card while your vendor receives ACH, check, or international wire and we have fast payment options for urgent payments as well. Approvals route automatically across a distributed team with custom workflows built to meet your needs, and payables and receivables sit in the same account.
If your team is 10 to 200 people, Melio is built for you.
Yes. You pay with your credit or debit card and we send your vendor an ACH bank transfer or a paper check. You get the benefit of paying by card even when your vendor doesn’t take cards. Card payments submitted before 2:00 PM ET are delivered by ACH the same business day. For tech teams, this is how an AWS invoice or an agency retainer goes on a card, floats for up to 45 days, and earns rewards on spend you had anyway.
Melio connects natively to QuickBooks Online and Xero with a two-way sync. Open bills import automatically, so you’re not retyping vendor names and amounts.
When you pay, the payment status and transaction details flow back into your books mapped to the right chart of accounts, class, and location. Reconciliation happens as you go instead of piling up for month-end. QuickBooks Desktop is supported too, for established tech companies still running it.
That makes QuickBooks bill pay for tech startups a two-way street rather than a monthly export.
As approval workflow software for tech teams, the whole point is that routing happens without anyone chasing it. You set the rules once and we route each bill to the right approver automatically. Rules can key off amount thresholds, bill category, or entity; a $200 SaaS renewal can pass straight through while a $40,000 infrastructure invoice needs two sign-offs.
Setup takes minutes, not a six-week configuration project. Nobody chases an approval in Slack or waits for someone three time zones away to open their email.
Yes. Melio sends payments to more than 80 countries in USD or 30+ local currencies. The best part is that your overseas developers and contractors don’t need a Melio account to get paid. Just enter their details once and pay them like any other vendor.
You don’t need treasury expertise or a wire template sitting at your bank, and Melio handles the compliance checks that come with cross-border payments. The contractor payment workflow is the same whether they’re in Austin or Kraków.
Usually the same day. Melio is self-serve: sign up, connect your accounting software and bank account, and pay your first bill—most teams do that within 24 hours. No implementation fee, no onboarding call you have to sit through, no IT involvement. This is the clearest gap with enterprise AP platforms, where a sales cycle plus configuration commonly runs six weeks before you pay a single vendor.
Melio runs on a subscription, and the right plan depends on how many people touch bill pay and how many payments you send. Core is $25 a month and includes 20 free ACH payments per month, QuickBooks Online and Xero sync, batch payments, and custom approval workflows. Boost is $55 a month and raises that to 50 free ACH payments with advanced approval routing. Unlimited is $80 a month with unlimited ACH payments and unlimited user seats. Core and Boost add $10 a month per additional user.
For a 30–50 person tech company sending 40–60 bills a month, Unlimited is usually the one that adds up. Once four or five people need access, unlimited seats costs less than paying per user on Boost. Past the subscription, ACH over your monthly allowance is $0.50 each, card payments are 2.9%, checks are $1.50, domestic wires are $10, and international payments in USD are a $20 flat fee.
There’s also a free Go plan for a single user with 5 ACH payments a month, and every new account gets 90 days of everything free, no credit card needed.
Yes. Melio’s multi-entity AP software lets you manage payables for a parent company and its subsidiaries from a single dashboard while keeping each entity’s books, approval rules, and accounting connections separate. You switch between entities without logging out. This gets relevant fast when a tech company adds a second product line, a new legal structure, or an acquired team.
Set them up once as scheduled or batch payments. You can pay your whole monthly stack—AWS, Slack, Atlassian, agency retainers—in one workflow, with different payment methods and delivery dates per vendor. Vendors can also email invoices straight to your Melio inbox, so invoice automation covers intake as well as payment. It replaces the monthly ritual of logging into a bank portal and initiating payments one at a time.
