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More cash to keep your business flowing.

Pay vendors by card (2.9% fee)—even where cards aren’t accepted.1 Get vendors paid on the same day.2 Postpone paying until your next billing cycle and maximize card rewards like points and cashback.
Get started
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.
Melio has no subscription fees. Plus, ACH-to-ACH bank transfers are free.

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 3
Free
3-5 business days
$0.50 | First 5 free
Regular check
5-7 business days
$1.50 | 5 free checks a month 4
8-10 business days
$1.50
Instant bank transfer
In minutes 5
1% fee (up to $50)
Fast transfer
Same day 2
1% (up to $30)
Next day
$10
Fast check
3 business days 3
$20 flat fee
Pay by card
Same day 2
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.

Get vendors paid faster.

Regular ACH bank transfers arrive within 3 business days. Hold onto cash longer and avoid late fees by paying by card—and get vendors paid by the end of the day.

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.

Boost your efficiency.

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

Pay vendors around
the world.

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.

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!”

Maximize cash flow. Pay by card.

Get started
1 Subject to card network limitations | 2 If scheduled before 2 p.m. ET | 3 If scheduled before 9 p.m. ET
4 The offer is available for all Melio users with a synced accounting software account. | 5 Each payment is subject to eligibility requirements and limitations. Availability: Mon-Fri, 2 a.m. until 7 p.m. (ET).
1 Subject to card network limitations
2 If scheduled before 2 p.m. ET
3 If scheduled before 9 p.m. ET
4 The offer is available for all Melio users with a synced accounting software account.
5 Each payment is subject to eligibility requirements and limitations. Availability: Mon-Fri, 2 a.m. until 7 p.m. (ET).