I use the QBO Bill Pay feature to pay our contractors.  It uses Melio, of course, to do the bank transfers.  No problems untill today when suddenly QBO doesn't seem to connect with Melio.  Spoke with QB customer service for about an hour.  The best she could do was send me a link to bill.com and told me to try that until Melio connection was fixed.  But I actually tried going to Melio directly at https://app.meliopayments.com/.  It asked if I wanted to use my Intuit info to automatically connect to my QBO data (probably via cookies in the browser), and all my contractors bill showed up in the Melio UI.  It had all their bank info and alowed me to pay everyone the same way I do it in QBO!.  Then all the payments automatically showed up in QBO!  So this looks like it's potentially a good workaround for the crapy connection from within the QBO Bill Pay.  

Maybe one day Intuit will get all this fixed so we have a solid system to handle actual financial transactions.