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. Plus, your 5 first ACH transfers each month are free.

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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 check or bank transfer—no sign-up needed.

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

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.

Why businesses prefer Melio

To 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.

To 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.

To 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

Pay on the go.

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

These businesses work smarter with Melio.

“We are able to expedite payments 2-3 times quicker than before and, more importantly, eliminate costly inefficiencies.”

“Melio is super easy to set up and use. Being able to enter bills in QBO and have them in Melio has been game-changing for payables management and cash flow forecasting.”

"No words to describe how great Melio is; perfect for small businesses. You can use Melio entirely for free to process ACH payments to vendors… The layout and speed of payments are great!”