Maximize your business's cash flow with Melio

Use your existing credit card to pay business bills, even where cards aren't accepted (2.9% fee). Your vendor gets paid on time, you only pay when your credit card bill is due - which gives your business up to 45 extra days to hold on to cash.*
Pay how you want
Pay business bills with a bank transfer or credit card.
Earn rewards
Maximize points, miles, cash back, and other perks.
Better than a loan
Take advantage of your credit card’s billing cycle instead of applying for a loan.

How it works

how it works

Add bill details

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

how it works

Select payment method

Pay with a bank transfer or card*, even where cards are not accepted.

how it works

Choose payment delivery

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

Get rid of checks

Take away the hassle of writing and mailing checks. When you pay vendors who only accept checks - Melio will write and send the check on your behalf - for free.

paying with a credit card

Send & receive payments for FREE

Send and receive business payments using bank transfers, it’s quick, easy, and best of all, completely FREE.

paying with a credit card

Seamless sync with QuickBooks

Just log in using your Intuit account. Your upcoming bills and payments will automatically sync between Melio & QuickBooks.

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.
Melio helps me speed up the process of payment delivery and offers the possibility of using a credit card, to have more cash flow for the company.
Stanislav Nikolov
Founder and CEO of SPN EVENTS

Small businesses 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
"As a business owner I had nothing but a great experience with Melio. Racking up CC points through my normal course of business, extends my 'Days Payable' even further by using CC for all expenses and the simple user interface makes it easy to get in, pay bills and get out"
John Hackerson
President & Owner, TREECO

Featured on

Melio is tailor made for your small businesses

Start now free
START NOW FREE