How it works

Step 1

Add bill or invoice details.

Snap a photo, upload a file or sync with your QuickBooks Online account.

Step 2

Select payment method.

Pay with ACH bank transfer, credit or debit card - even where cards aren’t accepted.*

Step 3

Choose payment delivery.

We’ll send a check or bank transfer. Your vendor doesn’t have to have a Melio account.

Make your bill pay more efficient.

Maximize your cashflow

Get up to 45 extra days to hold on to cash. How? By paying with a credit card (2.9% fee), your vendors get paid on time while you only pay when your credit card bill is due.

Deferring credit card payments to get vendor paid on time but pay off card a month later.

No more busywork

If your supplier only takes checks, we’ll write and send it for you. Your bank details are never on the check, protecting you from fraud and check forgery.

Choose how your vendor gets paid: ACH, paper check or a single use virtual card.

Connect with QuickBooks

Get automatic 2-way sync with QuickBooks Online. Spend less time in the back office, more time front of house.

Manage approvals

Invite additional users or your accountant, and easily set up their roles and permissions. You can control the approval of each transaction, and stay on top of your cash flow.

Bill details are easily trackable with Melio.

More ways to send payments.

Pay multiple bills
together.

Save time on individual payments. Consolidate your bills, and schedule and pay them all at once.

Split a single bill into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever - and it’s free.