I just signed up for Bill pay and don't like it. I didn't use Melio before because I am a new user of QBO.
My problem with Bill pay is that it is so very slow to debit my account and send the payment. I have used other ACH methods and this one is incredibly slow. Their website says they debited the payment on the 16th but my bank doesn't show that - not even as a pending debit. They say that the payment will reach my vendor on the 23rd. I have used other methods and they only take 1 or 2 days. Since we know money only moves in the banking system M-F, why do they do these debits on a Friday? It adds at least 2 days to the whole thing. I agree that they are using these funds in some way that benefits them. Since this is my first use of bill pay it is my test. I am very disappointed and will not be using it again. I have worked out another method with my vendors that I can be more confident in.
I also don't like all the pop ups and ads on their site..
