Melio
Small businesses that want to pay vendors by credit card to earn rewards while vendors receive ACH or check — a genuine cash flow hack
Melio lets you pay any vendor with a credit card even if they only accept check — you earn card rewards, they get paid how they want. A legitimate cash flow management trick for small businesses
Businesses needing international payments or complex AP approval workflows
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FIRST-HAND READS
What people reported, in their own words. Every line links to where it was said.
“Melio works flawlessly for minimum spend requirements for credit card promotions”
POSITIVE · performance · Reddit · 2025-05-11
“switching to Melio for payments made the whole "ugh, I have to pay that" part way less annoying”
POSITIVE · ease of use · Reddit · 2025-04-25
“the shitheads at Melio never once bothered to correct any of their bugs in their god awful platform and dismissed all of my concerns(even a personal letter to the CEO went unaddressed)”
NEGATIVE · reliability · Reddit · 2025-03-27
“Melio charges a **2.9% fee** for credit card payments. When I run the math, it looks like I'm still paying more in fees than I'm getting back in rewards.”
NEGATIVE · price · Reddit · 2025-03-16
“The platform is legitimate, and does not give access to withdraw funds from an account that is not directly tied to Melio. It makes it more secure for everyone, and the platform works in the same way as Zelle or Cash App.”
POSITIVE · reliability · Reddit · 2025-02-27
“Eu îți recomand Cybex Melio. Este mic, ușor compact,ocupă ft puțin spațiu și partea sport se pliază ft ușor”
POSITIVE · ease of use · Reddit · 2025-02-11
“the customer experience of paying with melio requires filling in a fair bit of information vs the Quickbooks's ach payment page that used to just ask for business name, address and enter account #/ routing #”
NEGATIVE · ease of use · Reddit · 2025-01-15
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