Think long and hard about switching to bill pay through quickbooks.  The convenience would be tremendous, but the hassle of having vendors call to track down payments and then waiting for Melio to "research" which only truly results in them providing a placating answer is more frustrating than any convenience I have experienced.  As of today, after experiencing some of the same issues the original poster experienced, and getting the same version of a canned answer by Melio (who doesn't even have a working phone number for those who suggested it), we will revert back to paying through our bank.  We pay all our bills on time, it's incredibly frustrating to have vendors question our integrity when Melio has just been sitting on the money it took from our account (to pay vendors who were never paid).  Honestly, this is TERRIBLE and I'm floored that quickbooks has allowed it to continue.