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The Melio alternative built for smarter business payments

Forwardly is the modern Melio alternative built for businesses that want faster payments, smarter AP and AR automation, real-time cash flow visibility, and lower payment costs, all while syncing seamlessly with accounting/ERP platform. Move money faster and manage payments with less manual work.

Next-day payment transfer approval illustration

Make a Payment

Pay From

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VISA

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Process Date

Mar 28, 2025

Delivery Speed

Instant Transfer

Same Day

Next Day

Standard

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The modern upgrade from Melio Payments

Features

Melio

Forwardly

Monthly subscription fee

$0–$80/month

Standard ACH (3–5 business days)

5 free/month, then $0.50 each

10 free/month, then $0.50 each

Next-day ACH

1% (min $1, max $10)

Same-day ACH

1% ($75 max)

1% (min $1, max $20)

Instant bank transfer

1% ($75 max)

1% (min $1, max $30)

Bank Payments between connected businesses

Free

Card payment

2.9%

2.99% + $0.25

Free trial

30 days

White-glove client migration tool

AR automation

Limited

AP automation (bill pay and approvals)

AI bill capture with dedicated bill inbox

Approval workflows

Higher plans only

ERP support for high-growth businesses

Works with multiple accounting platforms

Forwardly Network

Bulk payment actions

Higher plans only

Recurring invoice schedules

Per-payment audit trail

Unlimited users

Higher plans only

Custom roles and permissions

Higher plans only

Custom volume pricing

Custom pricing available

Enterprise only

Start free trial

With Forwardly, move money faster or instantly cut your costs

On Melio, moving a payment there faster costs up to $75, no matter the size. On Forwardly, a $500 payment costs just $5, and even your biggest payments are capped at $30.

Payment type

Time to deliver

Your cost

Your savings after switching

Melio Subscription

$25–$80.00/month

Forwardly Subscription

$0.00

$300 to $960.00/year

Melio (Instant)

30 minutes

1% ($75 max)

Forwardly (Next-Day ACH)

1 business day

$10.00 max cap

No equivalent on Melio

Forwardly (Same-Day ACH)

Same business day

$20.00 max cap

Up to $55.00 + 1 bus. day

Forwardly (Instant)

60 seconds

$30.00 max cap

Up to $45.00 + 1 bus. day

Team members collaborating around a laptop while setting up financial data synchronization and payment workflows.

All your data synced. Zero manual entry.

Connecting Forwardly takes minutes. Sync your account and your bills and invoices are ready to go. Speak with our team for specialized support and import existing customer payment agreements and vendor banking information; no extra paperwork, no disruption to your team.

Book an onboarding call

Sync with your books and save fees in real-time

Stay in your accounting platform

Forwardly processes payments faster, for less

Forwardly handles instant payments, same-day ACH, and automated collections without the add-on fee.

Stay easily synced

Payments sync back to your accounting software instantly through Forwardly's 2-way sync. Your books stay clean, automatically, with zero extra work on your end.

Get started

Proof that better payments are possible

Supporting illustration for this section

I've never had business payments transfer this fast. I have set up multiple clients for automatic payments, and so far, I’ve enjoyed being able to help my clients wait a little longer to pay their bills while still getting paid on time. My payments are fast (mostly same day with some instant). Forwardly team members are great to work with. I highly recommend it!

Catherine P.

Firm owner

Catherine P.

Firm owner

Catherine P.

Firm owner

The customer service is exceptional! Forwardly is easy to use and dependable. I have not had any major issues. I will continue using Forwardly for all of my client billing into the future as I expand my firm. I am very happy that I stumbled upon the company, and it has been a fantastic journey using them. Again, I will continue using them in the future. Cost is very much a savings and is overall better than the competitors. It was an easy decision to change to Forwardly.

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

Lisa A. Lewis

Owner, Money Matters Bookkeeping, LLC

Finally a payment platform that is great to use and doesn't sit on our hard earned cash for days, even weeks, on end. Maybe Forwardly can help kick-start the US banking system into actually supporting their customers and their businesses.

Jackie Anthony

Founder, AllCents Consulting

Jackie Anthony

Founder, AllCents Consulting

Jackie Anthony

Founder, AllCents Consulting

Forwardly is built for businesses that want to grow

Smart, AI-native bill pay

AP done in minutes. Capture invoices in real time, simplify approvals, schedule payments, and save time with touchless 2-way sync.

Smart, AI-native bill pay

AP done in minutes. Capture invoices in real time, simplify approvals, schedule payments, and save time with touchless 2-way sync.

90% less time on manual AR tasks

AI-driven automation handles invoice retrieval, payment initiation, reminders, and 2-way sync so your team can focus on clients instead of chasing payments.

90% less time on manual AR tasks

AI-driven automation handles invoice retrieval, payment initiation, reminders, and 2-way sync so your team can focus on clients instead of chasing payments.

Built for scale, not fixed fees

Pay no monthly subscription and lower fees per transaction, so costs scale with your usage, and not against it.

Built for scale, not fixed fees

Pay no monthly subscription and lower fees per transaction, so costs scale with your usage, and not against it.

5x faster payments

Remove the payment delays that slow your team down. Instant transfers, same-day ACH, and next-day options, all in one place.

5x faster payments

Remove the payment delays that slow your team down. Instant transfers, same-day ACH, and next-day options, all in one place.

The all-in-one payment solution

Instant Transfer
Delivery Speed
Multiple payment options
Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.
AP Clerk
Assign a Role
David Jones
AP
Advanced approval workflows with roles and permissions
Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.
1,000
Pay amount
Bill Amount:
2,300.00
Flexible payments
Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.
Due: May 20
John Deo Exports
Inbox
11
Invoice - maplesyrup-632.pdf
AI-powered bill capture and inbox
AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.
Auto-sync
Enabled
Seamless accounting sync
Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.
Payments
$174k
$253k
Total cash flow control
All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

The all-in-one payment solution

Instant Transfer
Delivery Speed
Multiple payment options
Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.
AP Clerk
Assign a Role
David Jones
AP
Advanced approval workflows with roles and permissions
Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.
1,000
Pay amount
Bill Amount:
2,300.00
Flexible payments
Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.
Due: May 20
John Deo Exports
Inbox
11
Invoice - maplesyrup-632.pdf
AI-powered bill capture and inbox
AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.
Auto-sync
Enabled
Seamless accounting sync
Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.
Payments
$174k
$253k
Total cash flow control
All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

The all-in-one payment solution

Instant Transfer
Delivery Speed
Multiple payment options
Get paid instantly with instant bank transfers, same-day ACH or earn rewards with credit card payments. Fast, flexible, and built for your business.
AP Clerk
Assign a Role
David Jones
AP
Advanced approval workflows with roles and permissions
Assign roles and permissions, set up approval workflows, and keep payments protected. Your team stays in control, and your sensitive data stays safe, risk-free and hassle-free.
1,000
Pay amount
Bill Amount:
2,300.00
Flexible payments
Split bills into partial payments, pay with credit cards, or schedule payments up to 90 days in advance, increasing financial flexibility for timely payments.
Due: May 20
John Deo Exports
Inbox
11
Invoice - maplesyrup-632.pdf
AI-powered bill capture and inbox
AI extracts key invoice details automatically, while your dedicated inbox keeps every bill in one place, ready for quick approval and payment.
Auto-sync
Enabled
Seamless accounting sync
Connect Forwardly with QuickBooks Online, Xero, FreshBooks, Zoho Books, Sage Intacct, Oracle NetSuite, and Microsoft Dynamics for automatic invoice, bill, and payment updates; no manual entry, no reconciliation headaches.
Payments
$174k
$253k
Total cash flow control
All AP and AR in one dashboard for clear visibility, smarter decisions, and a healthier cash position.

Trusted & featured by the best

Join the 10000+ businesses that count on Forwardly

Frequently asked questions

What is the difference between Forwardly and Melio?

Forwardly is a payments-first platform that automates both accounts payable (AP) and accounts receivable (AR) with faster payment options and transparent pricing. Melio focuses on AP automation and bill pay with basic AR tools and scheduled payment methods.

Is Forwardly a good alternative to Melio?

Does Forwardly support both AP and AR like Melio?

Which platform offers faster payments?

Does Forwardly charge monthly fees like Melio?

Which platform reduces more manual work?

The Melio alternative built for smarter business payments

The Melio alternative built for smarter business payments

The modern upgrade from Melio Payments

With Forwardly, move money faster or instantly cut your costs

All your data synced. Zero manual entry.

All your data synced. Zero manual entry.

Sync with your books and save fees in real-time

Sync with your books and save fees in real-time

Stay in your accounting platform

Forwardly processes payments faster, for less

Stay easily synced

Proof that better payments are possible

Proof that better payments are possible

Forwardly is built for businesses that want to grow

Smart, AI-native bill pay

Smart, AI-native bill pay

90% less time on manual AR tasks

90% less time on manual AR tasks

Built for scale, not fixed fees

Built for scale, not fixed fees

5x faster payments

5x faster payments

The all-in-one payment solution

The all-in-one payment solution

The all-in-one payment solution

Trusted & featured by the best

Join the 10000+ businesses that count on Forwardly

Join the 10000+ businesses that count on Forwardly

Join the 10000+ businesses that count on Forwardly

Frequently asked questions

Upgrade your payments today.

Upgrade your payments today.

Upgrade your payments today.

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