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Pay any business bill with an ACH payment, completely free.

Easily pay any vendor with an ACH transfer, even if they only accept checks. Your vendor doesn't need to sign up to receive payment.

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How it works

How it works

how it works

Add bill details

Take a photo, upload a file, enter details, or connect QuickBooks Online.

how it works

Pay by card or bank

Pay with your credit card or an ACH transfer, even if your vendors only accept checks.

how it works

Choose payment delivery

Melio sends a check or bank transfer, completely free. Recipient doesn’t need a Melio account.

Trustpilot Testimonials

Small businesses trust Melio to simplify their business payments

Reviews 305  •  Excellent
״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
״Finally, a simple electronic payment method to streamline bill pay. We're one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.״
Amy Walker
CPA CEO, Walker Agency
“We started using Melio for the credit card, but now we use it to pay all our vendors and we love the simplicity.”
Jeff Segal
Owner Domestique Wine Shop
“Melio has been a great solution. It has been very easy to train my clients how to use Melio. With the recent development of the accountant's portal, I can manage all my clients in one spot. I anxiously await any & all new updates!”
Stephanie Mack
Account Mobility
“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
״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
״Finally, a simple electronic payment method to streamline bill pay. We're one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.״
Amy Walker
CPA CEO, Walker Agency
“We started using Melio for the credit card, but now we use it to pay all our vendors and we love the simplicity.”
Jeff Segal
Owner Domestique Wine Shop
“Melio has been a great solution. It has been very easy to train my clients how to use Melio. With the recent development of the accountant's portal, I can manage all my clients in one spot. I anxiously await any & all new updates!”
Stephanie Mack
Account Mobility

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Use your credit card, even where cards are not accepted. Defer payments until your next billing cycle and hold onto cash longer.'
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Use your credit card, even where cards are not accepted. Defer payments until your next billing cycle and hold onto cash longer.
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Use your credit card, even where cards are not accepted. Defer payments until your next billing cycle and hold onto cash longer.

Three features

Pay any bill with a credit card

Use your credit card, even where cards are not accepted. Defer payments until your next billing cycle and hold onto cash longer.

paying with a credit card

Simple user interface

Get up and running in minutes! With Melio’s easy-to-use dashboard you can set-up, manage & track your bill payments online and from any device.

paying with a credit card

Schedule and manage multiple due dates

Stop setting reminders and worrying about late payments or paying too early. Schedule payment transactions and pay right on time, every time.

paying with a credit card

Fourth feature

Schedule and manage multiple due dates

Stop setting reminders and worrying about late payments or paying too early. Schedule payment transactions and pay right on time, every time.

paying with a credit card

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Melio is tailor-made for your small business

Start now free

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