Please add another complaint to the mix.  Melio has terrible customer service and may, in fact, be over the line with fraud.  On Oct 11 I had to request a refund of money taken for a payment they show as failed 9/15 and had not been returned.  Other vendors I have worked with would automatically refund that money.  I was told to expect a refund in 3-5 business days.  I have yet to see over $7600 returned to our account and have been waiting in a chat queue for over 25 minutes for a follow up inquiry.  Quickbooks should absolutely find a different partner.  I'm concerned we may need to incur legal fees to get our money back.