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..