Pay vendors with ACH bank transfers. They’ll get paid how they want.

Pay your vendors with ACH bank transfers and manage all your payments in one place. Enjoy a more efficient payment process while maximizing productivity and cash flow. Start paying with Melio today—your vendors will thank you.

Melio Payments dashboard showing efficient ACH bank transfers for small businesses
Seamless sync
Sync QuickBooks Online to keep your bills, vendors, and payments up to date automatically.
Fast, flexible, convenient
Fast payment arrival times and flexible payment options, including multiple same-day delivery choices.
Everybody gets their way
Pay by bank transfer or card. Your vendors get paid by ACH, wire transfer or check.
Get access to everything Melio has to offer for free.

Unlimited ACH, unlimited users, advanced workflows, and more - free for your first 30 days.

Start now free

Get a $300 gift card when you pay worldwide

Make your first international payment of $1,000+ with Melio during May and receive a $300 gift card. Limited to 100 users - act now!

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Compare Melio and
QuickBooks Online Bill Pay.

Compare Melio & QuickBooks Online Bill Pay.

Melio Core
QuickBooks
Bill Pay Premium
Free ACH transfers
20/month
40/month
2-way sync with QuickBooks and Xero
QuickBooks only
Dedicated email for
auto bill capture
Advanced approval workflows
ACH payments
3 business days1
$0.50 | First 20 free
3-5 business days
$0.50 | First 40 free
Wire transfer
Pay by card
Same day2
2.9%
Send a check
5-7 business days
$1.50
8-10 business days
$1.50
Global payments
Foreign currencies available
Instant transfer
Within minutes3
1% fee (up to $50)
Same-day ACH
Same day2
1% (up to $30)
Next day
$10
Fast check
3 business days1
$20 flat fee
Request vendor delivery details without registration
Recurring payments
Partial payments
Batch-pay multiple bills at once
Combine payments into one transaction
Schedule payments in advance
Unlimited
90 days in advance max
Roles and permissions
Collect W-9s
E-file 1099
Information is taken from Intuit’s blog and website as of August 2024.

The top choice for over 100,000 business owners

Gain control.

Manage all your business payments on a single platform. Add team members and set up approval workflows to share the responsibility while staying in control of every payment.

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

Save time.

Improve your payment process and save hours each month with capabilities like accounting software sync, bill auto-import, recurring payments, combined payments, and more.

Hold onto cash longer.

Pay by card, even where they aren’t accepted,4 and defer payments to the end of the billing cycle so you have control over when you pay. Your vendors receives the payment by the end of the day.2

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

Pay on the go.

On your commute or traveling? Pay, track and approve payments easily from the Melio app.

Billions transacted. Millions of hours saved.

$100B+

Payments processed

15H+

Hours saved monthly (average)

40M+

Bills paid

2M+

Vendors paid

*Based on internal data, user surveys, and company records.