We started using the Melio feature inside QB Bill Pay for bill payments after figuring out the QB direct deposit does not work well for vendors at all (multiple inefficiencies). Melio works GREAT!  Direct deposits are free and cut checks are $1.50 and you can future date payments to pay today and deduct later to arrive by the due date.  Plus the vendor gets an email/statement with all the invoices paid.  The only hassle is that none of the banking info from vendors transfers to Melio.  It all has to be re-entered the first time.  Seems like it should have imported, but I am sure there is a federal regulation excuse.  That said, we've been using for three months and it's fantastic overall.