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.

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.

Cut costs

Melio has no monthly subscription fees or transaction fees. Zero charges to payment recipients and for basic services like sending checks and receiving 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 Sending checks

$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 - because when you pay bills with Melio, we handle check delivery for you, for free. No more chasing checks - because 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