Hi there, wethrivv.
Welcome to the QuickBooks Community. Let me discuss how Melio works and the purpose of this program in QuickBooks. Then, ensure you'll be routed to the right person to assist you further on the charged you've encountered.
When paying bills in QuickBooks Online, you can use Melio for faster transactions. Then, Melio is a third-party online payment service provider offering free-of-charge bill payments and bank transfers. That said, paying the bill as ACH through Melio has no fee or it's free. Since you charged $20 for every transaction, I recommend contacting their Support Team. They have the tools to pull up your account which is needed in investigating the $20 charge you've received and where it's coming from.
Additionally, you also have the option to utilize Online Bill Pay (powered by Bill.com) in QBO. This lets you pay bills via bank transfer or check directly from QuickBooks Online and via bank transfer (ACH) or paper check. However, you will be charged a transaction fee for each payment you process.
Lastly, you may refer to this article to see steps on how you can run a particular report that will all payments made to vendors: Run a report with vendor totals.
Please let me know if you need clarification about Melio or if there's anything else I can do for you, wethrivv. I'll be standing by for your response. Have a great day!
