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Compare Melio and PayPal Payments 
Featured Products
At a Glance
Market Segments
Small-Business (94.2% of reviews)
Small-Business (64.3% of reviews)
Entry-Level Pricing
Free
$0 per month
Melio
Star Rating
(245)4.5 out of 5
Market Segments
Small-Business (94.2% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 4 pricing plansPayPal Payments
Star Rating
(2,623)4.4 out of 5
Market Segments
Small-Business (64.3% of reviews)
Pros & Cons
Entry-Level Pricing
$0 per month
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that PayPal Payments excels in overall user satisfaction, boasting a significantly higher G2 Score compared to Melio. Users appreciate its speed and security, with one stating, "I use PayPal Payments for my daily transactions because it's easy, fast, and secure."
- According to verified reviews, PayPal Payments has a much larger volume of feedback, with over 2,400 reviews compared to Melio's 242. This suggests that users have a more extensive base of experiences to draw from when evaluating PayPal Payments, enhancing its reliability as a choice.
- Users say that the implementation process for PayPal Payments is straightforward, with many highlighting the intuitive onboarding that makes initial setup a breeze. One user noted, "The initial setup was very easy," which contrasts with Melio, where some users may find the setup less seamless.
- Reviewers mention that Melio shines in its ability to facilitate vendor payments, with features like ACH and card payments even when vendors don’t accept cards. Users appreciate the clean UI and the ability to automate approvals, making it a strong contender for businesses focused on vendor management.
- Users highlight that while Melio offers a free entry-level price, PayPal Payments provides a robust platform at no monthly cost, making it an attractive option for small businesses looking to minimize expenses while still benefiting from a comprehensive payment solution.
- According to recent feedback, both platforms have their strengths in usability, but Melio edges out slightly in ease of administration. Users have noted that Melio's features for tracking payments and scheduling are particularly helpful, stating, "Makes business payments very easy and smooth for us," which can be a deciding factor for businesses prioritizing payment management.
Pricing
Entry-Level Pricing
Melio
Melio Go
Free
Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.
- 5 free ACH transfers per month
- 10 free syncs with QuickBooks Online & Xero
- Pay by card or bank—vendor receives check, ACH, or wire transfers
PayPal Payments
On Website - Basic
$0
per month
- Accept credit cards and PayPal on your site
- Swipe cards in your store and on the go
- Create and email invoices for fast payment
Free Trial
Melio
Free Trial is available
PayPal Payments
No trial information availableRatings
Meets Requirements
8.7
202
9.0
2,134
Ease of Use
9.2
204
9.0
2,162
Ease of Setup
9.0
150
8.9
622
Ease of Admin
9.0
101
8.4
325
Quality of Support
8.3
178
8.3
2,017
Has the product been a good partner in doing business?
8.9
101
8.1
322
Product Direction (% positive)
8.4
185
8.2
2,107
Features by Category
Payment Options
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
9.0
1579
Not enough data
9.2
1597
Not enough data
8.4
1165
Not enough data
8.4
1090
Not enough data
Feature Not Available
Feature Not Available
8.9
559
8.9
115
9.0
586
Administration
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
8.5
1495
Not enough data
8.5
1344
Not enough data
Feature Not Available
8.5
83
8.6
466
8.2
78
8.4
460
8.0
71
8.4
446
Security
Not enough data
8.6
628
Not enough data
Feature Not Available
Not enough data
8.6
1150
Not enough data
8.8
1333
Feature Not Available
8.6
463
Development
Not enough data
8.3
1269
Not enough data
Feature Not Available
Not enough data
8.4
1088
Not enough data
8.7
1188
Platform
Not enough data
8.9
1447
Not enough data
8.9
1328
Not enough data
8.9
1309
Not enough data
8.7
1063
Not enough data
8.6
1055
Not enough data
Feature Not Available
8.7
103
8.6
457
8.1
72
8.8
476
Agentic AI - Payment Gateways
Not enough data
8.7
49
Not enough data
8.3
48
Not enough data
8.4
48
Payment Methods
9.3
7
Not enough data
9.3
7
Not enough data
9.8
7
Not enough data
Payment Processing
8.1
7
Not enough data
9.3
7
Not enough data
8.3
7
Not enough data
8.6
7
Not enough data
8.1
7
Not enough data
8.6
7
Not enough data
9.3
7
Not enough data
Security and Compliance
7.6
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
8.1
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
Integration
7.9
7
Not enough data
7.6
7
Not enough data
7.9
7
Not enough data
Payment Types
9.4
6
Not enough data
7.5
6
Not enough data
7.2
6
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Installment Payment and Buy Now Pay Later (BNPL)Hide 11 FeaturesShow 11 Features
Not enough data
8.6
187
Administration - Installment Payment and Buy Now Pay Later (BNPL)
Not enough data
8.9
165
Not enough data
8.9
159
Not enough data
8.7
164
Not enough data
8.5
152
Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)
Not enough data
8.8
166
Not enough data
8.8
165
Not enough data
8.9
151
Not enough data
8.7
156
Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features
Not enough data
8.6
17
Not enough data
8.4
17
Not enough data
8.5
17
Invoice Management
8.5
41
Not enough data
7.5
37
Not enough data
7.7
37
Not enough data
Invoice Processing
7.8
40
Not enough data
9.1
46
Not enough data
8.5
41
Not enough data
7.3
31
Not enough data
Analytics
8.7
41
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
Integration
9.1
43
Not enough data
8.7
43
Not enough data
Feature Not Available
Not enough data
Risk
8.0
35
Not enough data
7.6
34
Not enough data
7.4
31
Not enough data
Recovery
7.8
28
Not enough data
8.0
33
Not enough data
Audit
6.8
30
Not enough data
7.0
28
Not enough data
6.7
30
Not enough data
6.9
32
Not enough data
Fraud
7.5
31
Not enough data
7.6
29
Not enough data
7.8
27
Not enough data
Agentic AI - AP Automation
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Invoice Generation
8.7
47
Not enough data
9.2
54
Not enough data
8.5
48
Not enough data
Invoice Processing
8.9
50
Not enough data
8.6
50
Not enough data
8.6
46
Not enough data
8.9
52
Not enough data
Analytics
9.0
59
Not enough data
8.4
48
Not enough data
8.0
44
Not enough data
9.0
56
Not enough data
Integration
8.7
55
Not enough data
8.7
55
Not enough data
8.1
42
Not enough data
8.8
49
Not enough data
Agentic AI - Invoice Management
7.4
7
Not enough data
7.6
7
Not enough data
7.1
7
Not enough data
Payment Processing
9.0
98
9.3
226
8.8
99
9.1
208
Feature Not Available
9.3
217
Feature Not Available
9.1
207
Administration
Feature Not Available
8.9
201
Feature Not Available
9.0
207
8.2
107
7.5
231
Feature Not Available
8.8
192
8.5
83
8.6
466
8.2
78
8.4
460
8.0
71
8.4
446
Payment Options
Feature Not Available
8.9
559
8.9
115
9.0
586
Security
Feature Not Available
8.6
463
Platform
8.7
103
8.6
457
8.1
72
8.8
476
Architecture
Not enough data
8.6
32
Not enough data
8.7
33
Not enough data
8.9
33
Processing
Not enough data
9.1
33
Not enough data
9.0
33
Not enough data
8.9
33
Not enough data
9.1
33
Not enough data
9.1
33
Risk & Compliance
Not enough data
8.5
32
Not enough data
8.7
33
Not enough data
8.8
33
Analytics
Not enough data
8.9
33
Not enough data
8.9
33
Not enough data
8.3
33
Agentic AI - Payments Orchestration
Not enough data
9.2
24
Not enough data
9.2
25
Platform Basics
8.7
43
Not enough data
8.6
42
Not enough data
Platform Administration
7.4
41
Not enough data
7.4
41
Not enough data
7.8
43
Not enough data
Platform Payment Content
7.8
41
Not enough data
7.8
41
Not enough data
6.9
38
Not enough data
Reporting
9.0
34
Not enough data
7.9
31
Not enough data
8.5
35
Not enough data
Integrations
8.7
35
Not enough data
8.1
31
Not enough data
8.2
32
Not enough data
Transactions
8.1
32
Not enough data
9.2
35
Not enough data
8.9
36
Not enough data
Workflows
8.8
32
Not enough data
8.7
33
Not enough data
Agentic AI - Accounts Receivable Automation
Not enough data
Not enough data
AI - Accounts Receivable
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - SAP Store
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Melio and PayPal Payments are categorized as Payment Processing
Unique Categories
Melio is categorized as AP Automation, Enterprise Payment, Accounts Receivable, Invoice Management, and Contractor Payments
PayPal Payments is categorized as Payments Orchestration, SAP Store, Installment Payment and Buy Now Pay Later (BNPL), and Payment Gateways
Reviews
Reviewers' Company Size
Melio
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
PayPal Payments
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
23.7%
Marketing and Advertising
9.1%
Retail
5.0%
Real Estate
4.1%
Consulting
3.7%
Other
54.4%
Computer Software
6.8%
Marketing and Advertising
6.8%
Information Technology and Services
6.6%
Retail
5.6%
Internet
3.8%
Other
70.4%
Discussions
Is Melio service legit?
4 Comments
SB
Yes, it's fantastic.Read more
What is Melio service?
2 Comments
BC
Melio is an ACH solution that allows you to send and receive payments without any fees. Read more
What is Melio app?
2 Comments
OM
Melio App allows me to conveniently and quickly pay my contractors via ACH. Read more
Allow visa gift card
8 Comments
AH
I used to know about Visa card and virtual master card on paypal 2 years ago...Possibly good and also accept payments on main and data endRead more
PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension
7 Comments
LK
It is possible to get money back, if they Took it from you. Check here:
https://aupdamages.com
Select your country and get Information on how to...Read more
What is PayPal Credit used for?
7 Comments
SR
Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private.Read more
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