Unlimited ACH payments. 2x faster. Totally free.

Pay vendors with as many ACH bank transfers as you need—for free. Your payments will be delivered within
3 business days.¹ Best part? There are no subscription fees.

Get started

Sync QuickBooks Online to automatically upload bills and vendors.

Fast payment arrival times, including multiple same-day delivery options.

ACH bank transfers are free. Sync your accounting software & get 5 free checks every month.²

Compare Melio and the new QuickBooks Online Bill Pay.

Melio

QuickBooks

Bill Pay Basic

Subscription fee

(Must have a paid QuickBooks subscription)

Number of users

Unlimited

Limited

ACH-to-ACH bank transfers

3 business days ¹

Free

3-5 business days

$0.50 | First 5 free

Regular check

5-7 business days

$1.50 | 5 free checks a month²

8-10 business days

$1.50

Instant bank transfer

In minutes ³

1% fee (up to $50)

Fast transfer

Same day⁴

1% (up to $30)

Next day

$10

Fast check

3 business days ¹

$20 flat fee

Pay by card

Same day ⁴

2.9%

International payments

Foreign currencies available soon

Schedule payments in advance

Unlimited

90 days in advance max

Partial payments

User roles

Approval workflows

Recurring payments

Combine payments

Information is taken from Intuit’s blog and website as of May 2024.

Why small businesses pay bills with Melio.

Multiple efficiency-boosting capabilities.

Improve your payment process and save hours each month with capabilities like approval workflows, recurring payments, and combined payments.

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

To maximize cash flow.

Choose how to pay, including by card. Defer payment to the next billing cycle and hold onto cash longer. Plus, earn more of those card rewards you love.

International payments.

Pay vendors anywhere in the world by bank transfer or your Mastercard to extend float. Streamline the payment process and pay them all from one place.

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!”