All the issues I am reading about here & at the following thread
https://quickbooks.intuit.com/learn-support/en-us/payments/any-one-else-still-having-issues-with-mel... 
make me very leery of setting up Quickbooks(QB) Desktop Premier to use Melio.  I would not even consider it, but as of 10/11/2022 QB has turned off Direct Connect for Bank of America(BOA) which allowed me to make BOA bill pay payments from within the QB software.  We had been using this feature for almost 20 years and it worked very well.  It is SO frustrating when software seems to be going backwards, making me spend MORE time & effort instead of going in the other direction.
The ability to send & receive transactions from the bank is one of the primary reasons we have stuck with QB so long.  This is one more change of many that they have made over the years to gives clients a negative "moment of truth". Makes you think they are trying to run us away to other accounting software vendors. 
Melio can't even send a significant number of the payments we typically pay by BillPay as there are no "bills" to be paid, & they won't send a check to an individual.
I guess we will be going back to printing and mailing more paper checks than we have for the past 20 years. The items that are the same amount every month, I have set up to the online bill pay at the bank with memorized transactions set up in QB to be entered on the same day each month, but there are many things that have varying amounts so will either have to be paid by paper check or will require double entry (both in online banking bill-pay & in QB) which is a waste of my time & effort.
I guess I will have to also start investigating other accounting software options - something I am really not looking forward to.