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Online accounts receivable & invoicing

Get paid online easily for free.

Everything you need to get paid without the complexity or extra cost. Send branded invoices, share payment links, accept card or bank payments, and track it all in sync with your accounting software.

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How it works

Issue an invoice

Create a branded invoice in minutes with a built-in payment link.

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 tools that pay off

Getting paid is free with Melio

AR is included with every Melio plan, so you’re not paying extra to get paid faster. Create and send invoices, share payment links, and receive payments online.

Accept card payments in minutes

Get paid quickly and easily while saving both time and money. Set up takes minutes and you choose who pays the card processing fees.

Work with QuickBooks, automatically

Connect once and incoming payments sync straight to QuickBooks. Payments match to invoices and books stay up-to-date with AI categorization by class, location, and line item. 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!

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.

Simplify reconciliation

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.

Simplify reconciliation

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

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

Melio received the 2025 Capterra Shortlist Badge
Melio received the 2025 Easiest Setup – Small Business G2 Badge
Melio received the 2024 Crozdesk Happiest Users Badge
Melio received the 2025 Easiest to Use – Small Business G2 Badge
Melio received the 2025 Best est. ROI – G2 Badge
Melio received the 2025 Software Advice FrontRunners badge
Melio received the 2025 Leader – Small Business G2 Badge
Melio received the 2024 Quality Choice badge by Crozdesk
Melio received the Users Love Us G2 Badge
Melio received the Momentum Leader G2 Badge
Melio received the 2025 Capterra Shortlist Badge
Melio received the 2025 Easiest Setup – Small Business G2 Badge
Melio received the 2024 Crozdesk Happiest Users Badge
Melio received the 2025 Easiest to Use – Small Business G2 Badge
Melio received the 2025 Best est. ROI – G2 Badge
Melio received the 2025 Software Advice FrontRunners badge
Melio received the 2025 Leader – Small Business G2 Badge
Melio received the 2024 Quality Choice badge by Crozdesk
Melio received the Users Love Us G2 Badge
Melio received the Momentum Leader G2 Badge

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

Read story ›
Ryan Looper, Director De Maison East

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.

FAQ

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. 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.

The repetitive stuff—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.