Send & receive bank transfers, completely free.

Melio provides the simplest way to send & receive business payments, online & for free. Manage & track all your incoming and outgoing payments in one place.
Get started
Zero integration
Your vendor/business customer doesn’t need to sign up in order to pay or receive payments.
Sync with Quickbooks
Link Melio and QuickBooks to ensure your bill pay mirrors your accounting platforms.
Made for small businesses
Top payment software capabilities with the simplicity of consumer payment apps like Venmo.

Gain control

Manage all of your business payments on a single platform, with the simplest user interface. Get full visibility on incoming and outgoing funds with Melio’s easy-to-use dashboard.

paying with a credit card

Save time

Whether you are at the office or on the go, Melio offers an efficient tool that replaces the manual process of paying invoices and chasing incoming payments.

paying with a credit card

Cut costs

Melio has no sign-up or monthly fees and no charges to recipients. Only certain transactions have a cost attached.

paying with a credit card

More ways to send payments

Pay multiple bills  at once

Save time on scheduling each bill individually, select multiple bills and pay them all at once.

Split a bill into many payments

Hang onto your cash flow by splitting bills into multiple payments and payment methods.

Make payments across borders

International payments lets you pay vendors in the UK, Canada and Eurozone for goods and services.

No subscription fee!

All basic bank and debit card payments are completely free.
$0 Sign up
$0 Monthly subscription
$0 Bank Transfer (ACH)
& bank deposit
$0 Receiving credit card payments
2.9% fee applies for payers
$0 Unlimited clients
$0 Unlimited AP/AR management
$0 Unlimited users per account

Additional benefits to help your business grow

Pay & get paid by credit card

Use Melio to pay business bills with a credit card (2.9% fee) to defer payments, increase cash flow, and earn card rewards. You can also accept credit card payments (2.9% fee for them, free for you) from other businesses

Get rid of checks altogether

No more writing & sending checks - when you pay bills with Melio, we handle check delivery for you. No more chasing checks - when you get paid with Melio, funds are deposited directly into your bank account.

Small business trust us to simplify their business payments

"Melio is a life saver. Makes payments to vendors quick and efficient. Their user interface is one of the best and easiest to work with I've ever seen. We are truly grateful we found melio. Highly recommend."
Alejandro Duque
COO, Plei, Inc.
“Melio has been key to my Accounts Payable functions. They've allowed me to float a ton of expenses while not having to take out loans. Their simple user interface and awesome customer support free up our staff to deal with other problem areas. Well done״
Mike Scanlan
CEO, CoinMover
“It’s really good, also because we can set days payable, so we can officially have a 30 days payable policy, without me setting calendar reminders.”
Costa Gurevich
Owner Road Runners Team