Get vendors paid faster.
No subscription fees.

With Melio, choose how to pay. Your vendors get paid their way. Pay by card (2.9% fee*) or by bank transfer for free. Sign up and connect your QuickBooks account to enjoy a smooth payment workflow.
Get started
Drawing of a colorful bag with “New York Locals” written on it beside a purple Melio logo.

Cut costs

No subscription fees and free ACH-to-ACH bank transfers. Plus, 2 free checks each months.

Faster payments

Multiple same-day payment options are available, including card and ACH payments.

Live chat

Our team of experts is always here to help. Start a conversation by chat to get real-time assistance.
5 checks each month—on us.
Sign up and sync Melio with your accounting software. Keep your books in check plus, get 5 free checks.

How it works

Step 1
Add bill details.
Take a photo, sync with QuickBooks, or send invoices directly to your Pay inbox.
Step 2
Select payment method.
Pay with ACH bank transfer or card–even where cards aren’t accepted.*
Step 3
Choose payment delivery.
We’ll send a bank transfer or check. First 2 checks each month are free.

Fast payment options. 

ACH-to-ACH bank transfers are delivered within 3 days. Expedite payment by sending a same-day fast ACH or a fast check which will arrive at your vendor’s within 3 days. 

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

Manage approvals.

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

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

Seamlessly sync with QuickBooks.

Connect your QuickBooks Online account for two-way sync between your bill pay and accounting. Import bills and vendors to enjoy a simpler payment flow—no double data entry, no manual errors.

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

Pay all bills on your terms. 

Choose to make payments by free ACH bank transfer or with your card (2.9% fee)*. Vendors get a paper check in the mail or a direct deposit—they don’t need to sign up.

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

Pay on the go.

Use the Melio app to approve payments, pay vendors in seconds or check the status of any payment—all from your phone.

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

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a single bill into more than 1 payment.

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

Make payments across borders.

International payments allow you to pay vendors outside the U.S. in U.S. dollars for goods and services your business needs.

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a single bill into more than 1 payment.

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

Make payments across borders.

International payments allow you to pay vendors outside the U.S. in U.S. dollars for goods and services your business needs.