Melio has built a reputation as a straightforward accounts payable solution for small businesses, but growing companies increasingly need more sophisticated features like net terms management, non-recourse financing, and AI-powered credit decisions. These ten alternatives deliver everything from rapid credit approvals to comprehensive accounts receivable automation, helping businesses scale their payment operations without the limitations of basic bill payment platforms.
The B2B payments market represents $87.98 trillion in global transaction value as of 2024 and continues growing at 11.8% annually. This explosive growth has sparked innovation in payment automation, credit management, and financial workflows that extend far beyond Melio's core capabilities.
North America dominates with 41.2% of global B2B payment transaction volume, while businesses using automated AP solutions report operational cost savings. For companies ready to graduate from basic bill payment to comprehensive financial automation, these ten alternatives offer compelling advantages.
Resolve stands as the premier Melio alternative by combining B2B payments, net terms financing, and accounts receivable automation into a single risk-free platform. Unlike Melio's focus on basic vendor payments, Resolve enables businesses to offer their customers 30-90 day payment terms while typically receiving payment within one business day, subject to approval and cutoff times.
Where Melio requires businesses to wait for customer payments or use expensive credit cards for float, Resolve's accounts receivable automation provides immediate cash flow without risk. The platform's AI agents manage workflows, automate payment reminders, and significantly reduce collections friction—capabilities that extend beyond Melio's current bill pay service.
Resolve's business credit check system delivers personalized evaluations free of charge, requiring only a company name and address for 24-hour turnaround. This contrasts with Melio's more limited credit assessment capabilities, helping businesses make more informed credit decisions.
The platform serves thousands of businesses with integrations spanning BigCommerce, Shopify, Magento, and WooCommerce. Recent implementations show dramatic results: companies report faster payment cycles, reduction in receivables management time, and accelerated credit decisions compared to traditional methods.
Unlike Melio's transaction-focused approach, Resolve functions as your "credit team on tap," combining embedded credit expertise, embedded invoice financing, and embedded payments into a comprehensive solution that scales with your business.
Bill.com has built substantial market presence with approximately 493,800 business customers as of fiscal year 2024, offering comprehensive AP and AR automation that extends beyond Melio's capabilities. The platform's two-way sync with accounting software and customizable approval workflows address enterprise needs that Melio cannot support.
While Bill.com offers broader functionality than Melio, reviews note that international payments can take seven or more days. The platform's complexity may overwhelm small businesses that found Melio's simplicity appealing, and the per-user pricing model becomes expensive for growing teams.
Stripe revolutionized online payments with its elegant API and processes significant B2B transaction volumes annually. For businesses seeking more control and customization than Melio provides, Stripe's extensive documentation and flexibility make it a powerful alternative.
Modern platforms are increasingly embedding payment capabilities directly into industry software, with Stripe leading this transformation. However, Stripe requires more technical expertise than Melio, making it better suited for businesses with development resources.
PayPal Business leverages consumer brand recognition to simplify B2B payments, processing transactions in 200+ markets worldwide. For companies already using PayPal for consumer transactions, the business platform offers familiar interfaces and immediate customer trust.
While PayPal offers broader payment acceptance than Melio, many businesses require additional accounts receivable management capabilities that PayPal doesn't fully address. The platform's consumer focus also means limited B2B-specific features like purchase orders or net terms.
Corpay, Inc. (formerly FLEETCOR Technologies, Inc., rebranded in 2024) specializes in complex corporate payment needs with solutions spanning expense management, cross-border payments, and virtual cards. For enterprises outgrowing Melio's small business focus, Corpay provides institutional-grade capabilities.
Corpay's sophistication comes with corresponding complexity—typical implementation can range from weeks to months compared to Melio's simple setup. The platform best serves companies with dedicated finance teams and international operations requiring specialized support.
For businesses already using QuickBooks, the native bill pay feature eliminates the need for Melio's third-party integration. QuickBooks Bill Pay offers multiple pricing tiers with varying features and fees as of January 2025.
However, QuickBooks Bill Pay lacks Melio's payment flexibility and requires a QuickBooks subscription. Businesses using other accounting software lose this integration advantage, and the platform offers limited international payment capabilities.
Wise Business (formerly TransferWise) excels at international B2B payments with transparent exchange rates and low fees. For companies with global suppliers that find Melio's international capabilities limited, Wise offers a specialized alternative.
The embedded payments industry continues to grow rapidly, with international capabilities becoming increasingly critical. Wise addresses this need but lacks Melio's domestic ACH network and vendor management features.
Tipalti targets high-volume businesses processing thousands of payments monthly, offering sophisticated automation that far exceeds Melio's capabilities. The platform specializes in partner and supplier payments with advanced tax compliance and regulatory features.
Industry research shows AP automation platforms can reduce processing time significantly, with Tipalti leading in high-volume scenarios. However, the platform's complexity and cost make it unsuitable for small businesses that find Melio approachable.
Plastiq allows businesses to pay any vendor via credit card, even those that don't accept cards directly, subject to category and compliance restrictions. For companies maximizing credit card rewards or managing cash flow through card float, Plastiq offers capabilities Melio doesn't provide.
While Plastiq enables credit card payments for many vendors, fees add significant cost for large transactions. The platform serves a specific niche but lacks Melio's broader payment management features.
Brex combines corporate cards, expense management, and bill pay capabilities into an integrated platform designed for startups and technology companies. For businesses seeking comprehensive spend management beyond Melio's basic bill pay, Brex offers a modern alternative.
Businesses using integrated spend management solutions report improved financial visibility and faster month-end closes. However, Brex requires adoption of their ecosystem, making it less flexible than standalone solutions like Melio.
Selecting the optimal Melio alternative depends on your specific business needs, technical capabilities, and growth trajectory. Consider these key factors:
The U.S. B2B payments market is projected to reach significant transaction volumes by 2034, creating opportunities for businesses that choose the right payment infrastructure today. While Melio serves basic bill payment needs, growing companies require sophisticated solutions that scale with their ambitions.
For small businesses seeking Melio alternatives, Resolve offers the best combination of features and value with free business credit checks, non-recourse net terms financing, and no monthly minimums. QuickBooks Bill Pay works well for existing QuickBooks users, while PayPal Business leverages familiar interfaces. These platforms provide essential features without the complexity or cost of enterprise solutions, with implementation typically completing within days rather than weeks.
Pricing varies significantly across platforms, with ACH fees ranging from flat rates to percentage-based, and credit card fees typically 2.5-2.9% plus fixed amounts (as of January 2025). Resolve charges starting at 2.61% for 30-day net terms with no monthly fees, while Bill.com requires $45-79 per user monthly plus transaction costs. Enterprise solutions like Corpay and Tipalti use custom pricing based on volume. Consider both subscription costs and per-transaction fees when calculating total expense.
Most modern platforms facilitate data migration from Melio, though the process varies by provider. Resolve's integration team assists with vendor data transfer and can import payment histories for credit evaluation. Bill.com and similar platforms offer CSV import tools for vendor information. Best practice includes exporting all Melio data before cancellation, maintaining records for at least 90 days, and working with your new platform's onboarding team to ensure smooth transition.
Resolve's AI-powered platform provides advanced automation capabilities with invoicing workflows that significantly reduce manual work, automated reconciliation features, and AI agents managing payment reminders and collections. Bill.com offers strong automation for approval workflows and vendor management. Tipalti excels at high-volume processing but requires significant setup investment. The best choice depends on transaction volume and complexity.
Yes, most Melio alternatives offer robust accounting integrations. Resolve provides integration with QuickBooks Online, NetSuite, Xero, and Sage Intacct. Bill.com provides two-way sync with major accounting platforms. Native solutions like QuickBooks Bill Pay offer the deepest integration. Verify specific integration capabilities during evaluation, as sync quality and real-time updates vary significantly between platforms.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.