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.
Sign up with email
Sign in with Intuit
Use your QuickBooks credentials to keep bill payments synced.
Drawing of a colorful bag with “New York Locals” written on it beside a purple Melio logo.
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
$0
$0
(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 month 2
8-10 business days
$1.50
Instant bank transfer
In minutes 3
1.5% fee (up to $50)
Fast transfer
Same day 4
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
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 December 14, 2023.

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.
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.

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.