Small business▼−15Since September 2026: 57% → 42%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.
42%from 57% in September 2026
Cleared the floor by 5 pointsRank 1 of 60, unchanged
8 categories · RankedMelio
292Judge labels
69First choices
49Negative labels
14 / 14Models named it
8Categories
October 2026 Edition. Every number here is derived from the raw labels under vendor table v2026-10.7, every buyer segment counted.
Best standing
42% in Business bill pay for small business buyers
Rank 3 of 98 in the mid-market standingaccepted challenger
0 of 14 models made it the first choice on the direct prompt; 10% of its 29 labels there were negative.
What the models named instead of Melio →By buyer segmentA small-business product: leader at small business, not named at enterprise.
Small business1 of 66
42%63 labels
endorsed leader
Mid-market3 of 98
13%29 labels
accepted challenger
Enterprise76 of 76
0%20 labels
criticized challenger
In business bill pay · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading
Standing by category
Every category where a model named Melio for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.
| Category | Function | Share | Rank | Negative rate | Labels | Quadrant | Since September 2026 |
|---|---|---|---|---|---|---|---|
| Business bill pay | Treasury and cash | 13% | 3 of 98 | 10% | 29 | accepted challenger | ▼−13Since September 2026: 26% → 13%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked. |
| B2B payment acceptance | Receivables and billing | 6% | 8 of 94 | 14% | 21 | accepted challenger | ▼−1Since September 2026: 9% → 7%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked. |
| Accounts payable automation | Spend and procurement | 5% | 6 of 54 | 5% | 19 | accepted challenger | ▼−15Since September 2026: 19% → 4%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked. |
| B2B BNPL and net terms | Receivables and billing | 2% | 8 of 90 | 0% | 3 | under 10 labels · led by Resolve Pay at 56% | |
| Contractor payments | Spend and procurement | 2% | 13 of 98 | 0% | 4 | under 10 labels · led by Tipalti at 22% | =heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. |
| Accounts receivable automation | Receivables and billing | 2% | 16 of 79 | 0% | 3 | under 10 labels · led by Upflow at 17% | =heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. |
| Invoicing software | Receivables and billing | 0% | 25 of 71 | 0% | 2 | under 10 labels · led by Zoho Invoice at 24% | newNew since September 2026: not ranked then, 0% now. |
| AI accounting assistants | Accounting and close | 0% | 66 of 85 | 0% | 1 | under 10 labels · led by Sage Intacct at 22% | newNew since September 2026: not ranked then, 0% now. |
Movement
Since September 2026, Melio moved past the floor in two of eight categories: Accounts payable automat, −15 points to 4%; Business bill pay, −13 points to 13%. It held within the floor in the other six.
Best category · Business bill pay · by segment
Mid-market▼−13Since September 2026: 26% → 13%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked.
13%from 26% in September 2026
Cleared the floor by 3 pointsRank 2 → 3 of 89
Enterprise=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
0%from 0% in September 2026
Inside the floor by 10 pointsRank 89 → 74 of 74
All categories · Mid-market
| Category | September 2026 | Now | Change | Reading | Rank |
|---|---|---|---|---|---|
| Accounts payable automat | 19% | 4% | ▼−15Since September 2026: 19% → 4%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked. | Moved past the floor | Rank 3 → 6 of 54 |
| Business bill pay | 26% | 13% | ▼−13Since September 2026: 26% → 13%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked. | Moved past the floor | Rank 2 → 3 of 98 |
| B2B BNPL and terms | 0% | 3% | newNew since September 2026: not ranked then, 3% now. | New this edition | Rank 8 of 90, unchanged |
| B2B payment acceptance | 9% | 7% | ▼−1Since September 2026: 9% → 7%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 5 → 8 of 94 |
| Accounts receivable auto | 2% | 2% | =heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 14 → 16 of 79 |
| Contractor payments | 2% | 2% | =heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 15 → 13 of 98 |
| Invoicing software | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 25 of 71, unchanged |
| AI accounting assistants | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 66 of 85, unchanged |
Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.
The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions
By model
How each model treated Melio across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.ShowHide
By model
How each model treated Melio across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.
ShowHide| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 2 | 4 | 0 | 0 | 6 |
| GPT-5.4 mini | 2 | 1 | 2 | 0 | 5 |
| Gemini 3.5 Flash | 2 | 6 | 0 | 2 | 10 |
| Perplexity Sonar | 1 | 3 | 0 | 0 | 4 |
| Grok 4.1 Fast | 2 | 3 | 3 | 1 | 9 |
| Mistral Small | 1 | 2 | 6 | 0 | 9 |
| DeepSeek V4 Flash | 1 | 4 | 0 | 2 | 7 |
| Llama 4 Maverick | 0 | 0 | 2 | 0 | 2 |
| Qwen 3.7 Flash | 0 | 2 | 0 | 0 | 2 |
| Kimi K2 | 1 | 5 | 2 | 2 | 10 |
| GLM 4.7 FlashX | 2 | 3 | 1 | 0 | 6 |
| MiniMax M2.5 | 2 | 1 | 0 | 0 | 3 |
| GPT-6 Luna | 0 | 3 | 0 | 0 | 3 |
| Muse Glimmer 30B | 3 | 1 | 2 | 0 | 6 |
By framing
Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.
FramingLabels by classFirst choices
Direct42 labels11
Paraphrase34 labels13
Comparative63 labels20not counted in share
Budget-constrained85 labels42
Scale-constrained27 labels3
Negative41 labels4not counted in share
First choiceAlternativeMentionNegative292 labels in all, every segment counted; 69 of the 93 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.
What the models said for it
Verbatim evidence the judge attached to positive labels.
“🏆 Top Pick: Melio ... Melio is widely regarded as the best free starting point for budget-conscious small businesses” DeepSeek V4 Flash · Business bill pay · budget prompt · first choice
“Choose Melio if you primarily need simple bill pay with some free ACH transfers and want to pay by credit card” Kimi K2 · Business bill pay · budget prompt · first choice
“Nickel (for unlimited free ACH) or Melio (for a free tier and low per-payment fees) are the best choices” Mistral Small · B2B payment acceptance · budget prompt · first choice
“Melio (Best Overall for Small Businesses) ... I'd recommend starting with Melio or Nickel” MiniMax M2.5 · B2B payment acceptance · budget prompt · first choice
And against it
Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.
“Some users report payments debited from their account but never reaching vendors” Kimi K2 · Accounts payable automat · negative prompt · hard negative
“you've outgrown small-business tools like Melio or basic QuickBooks Bill Pay” DeepSeek V4 Flash · Business bill pay · scale prompt · hard negative
“BBB rating of "F" with 100+ negative reviews (2.21/5 average)” DeepSeek V4 Flash · B2B payment acceptance · negative prompt · hard negative
“While small-business tools like Melio or basic setups of BILL (formerly Bill.com) are popular, mid-market companies ... quickly outgrow them” Gemini 3.5 Flash · Business bill pay · direct prompt · soft negative
Named alongside
The products named in the same answers as Melio, over the 292 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Melio was named but was not.ShowHide
Named alongside
The products named in the same answers as Melio, over the 292 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Melio was named but was not.
ShowHideProductSame answerTook the first choice insteadHead to head
A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.
What carried it into the answer
The sites and pages cited by the answers that named Melio. A fact about retrieval, not a lever on the model.
Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 277 of the 292 answers that named Melio and are not a share of its labels.
Domains cited
bill.com143
ramp.com139
tipalti.com91
melio.comYour site84
g2.com78
fitsmallbusiness.com77
techrepublic.com76
wise.com74
learn.g2.com61
highradius.com55
794 of the 878 domain citations in answers naming Melio came from somebody else's page.
Pages cited
Pages are listed as the models cited them.
Search and answers
melio.com ranks 3 on Google for the category's searches. In the answers, Melio takes 13% of first choices and BILL takes 32%.ShowHide
Search and answers
melio.com ranks 3 on Google for the category's searches. In the answers, Melio takes 13% of first choices and BILL takes 32%.
ShowHideIn search
Google, US estimatesPosition for “bill pay platforms”
3
Position for “bill pay platform for businesses”
3
- Searches for its name, Google
- 33,100 a month (“melio”)
- AI search demand for its name, est.
- 492 a month
- Organic visits to its site
- about 36,039 a month
- Searches its site ranks for
- 4,879 · 318 in the top three
- Sites linking to it
- 1,923
- Paid Google search
- 15 searches its ads show for, about 105 clicks and $1,429 a month (estimate)
In answers
This editionShare of first choices
13%
rank 3 of 98 in business bill pay
Segment leader
32%
BILL
- First choices
- 69 across its categories
- Named in
- 292 answers
- Its own site cited
- in 277 of the answers that named it
Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.
What it publishes
ShowHide
What it publishes
ShowHideAddresses on melio.com
571
subdomains included
Content
440
counted in the table below
Documentation
53
Product · Integration
0 · 5
| Kind | Pages | Last 90 days | 2025-10 to 2026-09 | Latest | Categories named |
|---|---|---|---|---|---|
| Blog | 313 | 29 | 2026-09-18 | Accounting software, Expense management | |
| Glossary or explainer | 43 | 3 | 2026-09-18 | ||
| News or press | 36 | 1 | 2026-08-17 | ||
| Case study | 22 | 0 | 2026-05-04 | ||
| Comparison | 19 | 3 | 2026-09-18 | Expense management | |
| Template or tool | 6 | 0 | 2023-11-20 | ||
| Report or ebook | 1 | 0 | 2026-06-03 |
Most recent
- 2026-09-18How to use ai for invoice processing and bill capture blog
- 2026-09-18Q3 estimated tax payments for trust entities deadlines methods and automation blog
- 2026-09-18Cross-border B2B payments without wire fees blog
- 2026-09-18How to automate reconciliation between your accounting software and payment platform blog
- 2026-09-18How to reduce ap processing time practical tips for finance teams blog
- 2026-09-18How to manage multiple credit cards for maximum business rewards blog
How it is countedHide how it is counted
Every page melio.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. Read September 29, 2026.
Names read as Melio
What the judge wrote, as written, with how often. The vendor table decides that these count as Melio; a claim can dispute any of them.
Melio Payments 2
Follow Melio
An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.
Already following? Everything you follow, with a stop for each.
The company
Melio is its own company.ShowHide
The company
Melio is its own company.
ShowHideIn its own words
Stated by the vendor, not checked- Positioning
- Pay & get paid: Easy bill paying service for businesses; Intelligent and easy accounts payable and receivable software; Melio B2B bill payment solutions.
- For
- businesses; small businesses, accountants and bookkeepers; accounting firms
- Price stated
- free to start; free for your first 90 days; Start free, no credit card needed; included free in every plan; unlock custom pricing and fees melio.com
- Starting price
- null melio.com
- Free plan or trial
- free to start; free for your first 90 days; no credit card needed melio.com
- Integrations claimed
- 5 melio.com
- Certifications
- PCI data security standardsSOC2 Type II ReportISO/IEC 27001: 2022ISO/IEC 27017: 2015 – Cloud SecurityISO/IEC 27018: 2019 – Cloud PrivacyPCI CompliantLevel 1 PCI Compliant
- Hosting
- U.S.
- Customers named
- Patriot Welding SupplyAntares AdvisorsCategory 5Proof Wine & SpiritsDe Maison EastGet PEYDCubeprosItinerary Boss
What Melio's own pages state, read September 28, 2026: melio.com, melio.com/pricing, melio.com/security, melio.com/case-studies, melio.com/partners. A claimed page can correct any of them.
Is this your product?
Claim this page
Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Melio's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Melio, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.
What a new claim receivesHide what a new claim receives
A new claim receives the current edition's vendor brief for Melio by email, built from the raw record of the edition. It shows:
- where Melio is named, by buyer and by framing, and which cells hold its first choices;
- the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
- its vocabulary against the segment leader's, and the pages the models cited;
- who was chosen in the answers that did not name Melio, and every reason the record gives;
- a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
- one page of published figures cleared to show a buyer.
Badges
Wins only: a badge exists where Melio is ranked in a category's top three this edition. Three sizes, one file each, light and dark; the code is under each.ShowHide
Badges
Wins only: a badge exists where Melio is ranked in a category's top three this edition. Three sizes, one file each, light and dark; the code is under each.
ShowHideMelio is among the products AI models recommend first in Business bill pay this edition. Each badge says so in the buyer's words, names the edition, and links to the standing. The next edition issues a new badge; this one stays true as a record of October 2026.
Wide · 320 × 104 Website, beside other badges
Square · 240 × 240 LinkedIn, slides
Compact · 200 × 56 Email signature, footer
Badges read on light and dark pages. Alt text carries the claim, the category, the edition and the index, so it stays a citation where the image does not load.