Melio vs. QuickBooks Bill Pay
Most small businesses using QuickBooks eventually face a choice: use the integrated "QuickBooks Bill Pay" or connect a third-party tool like Melio. While both sync perfectly with your books, their fee structures and payment flexibility are worlds apart.
| Feature | Melio | QuickBooks Bill Pay |
|---|---|---|
| Monthly Fee | $0 (Free) | Varies (Included in QB) |
| ACH Transfers | $0 (Free) | Limited free, then per-item |
| Pay by Credit Card | Yes (2.9%) | Limited / Higher fees |
| Paper Checks | $1.50 (Melio mails it) | $1.50+ |
Why Businesses Switch to Melio
1. Lower Transaction Overhead
QuickBooks Bill Pay often limits the number of free ACH transfers you can make per month depending on your subscription level. Melio allows for unlimited $0 ACH bank transfers, keeping your costs predictable as you scale.
2. Superior Cash Flow Management
Melio's core strength is the ability to pay any business bill via credit card—even if the vendor doesn't accept them. This allows you to keep cash in your account longer and earn rewards, a feature that is more cumbersome within the native QuickBooks environment.
The Verdict
If you want a "set it and forget it" simple bill pay and don't mind occasional fees, QuickBooks native tool is fine. However, for businesses that want $0 ACH and maximum credit card rewards, Melio is the clear winner.
Connect Melio to QuickBooks for Free →