Taking away the hassle of writing and sending checks

Pay any vendor online with a bank transfer or credit card, even if they only accept checks. Melio will handle check delivery for you, for free, so you have more time to focus on your business.
Melio has no registration or subscription fees.
Your vendor doesn't need to sign up or pay to receive payment.
Enjoy a perfect two-way sync with QuickBooks online.
Schedule payments to pay your bills right on time, every time.

How it works

how it works

Add bill details

Take a photo, upload a file, enter details, or connect QuickBooks Online.

how it works

Pay by card or bank

Pay with your credit card or an ACH transfer, even if your vendors only accept checks.

how it works

Choose payment delivery

Melio sends a check or bank transfer, completely free. Recipient doesn’t need a Melio account.

Simple and easy solution for small businesses

Get the key capabilities of leading accounts payable software combined with the simplicity of consumer payment apps like Venmo.

paying with a credit card

Pay vendors with a bank transfer - for free

Choose which payment methods work best for you. Pay your bills for free with a bank transfer, your vendors receive a check or bank deposit.

paying with a credit card

Use your credit card to maximize cash flow

Pay bills with credit cards, even if your vendors don’t accept them. Earn rewards and take advantage of up to 45 days of float.

paying with a credit card
30%
Increase in revenue
300%
Increase in
speed of payments
50%
Time saved
on making payments

Small businesses trust Melio to simplify their business payments

Reviews 305  •  Excellent
״Melio has been key to my Accounts Payable functions. They've allowed me to float a ton of expenses while not having to take out loans. Their simple user interface and awesome customer support free up our staff to deal with other problem areas. Well done!״
Mike Scanlan
CEO, CoinMover
״Finally, a simple electronic payment method to streamline bill pay. We're one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.״
Amy Walker
CPA CEO, Walker Agency
“We started using Melio for the credit card, but now we use it to pay all our vendors and we love the simplicity.”
Jeff Segal
Owner Domestique Wine Shop
“Melio has been a great solution. It has been very easy to train my clients how to use Melio. With the recent development of the accountant's portal, I can manage all my clients in one spot. I anxiously await any & all new updates!”
Stephanie Mack
Account Mobility
“It’s really good, also because we can set days payable, so we can officially have a 30 days payable policy, without me setting calendar reminders.”
Costa Gurevich
Owner Road Runners Team
״Melio has been key to my Accounts Payable functions. They've allowed me to float a ton of expenses while not having to take out loans. Their simple user interface and awesome customer support free up our staff to deal with other problem areas. Well done!״
Mike Scanlan
CEO, CoinMover
״Finally, a simple electronic payment method to streamline bill pay. We're one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.״
Amy Walker
CPA CEO, Walker Agency
“We started using Melio for the credit card, but now we use it to pay all our vendors and we love the simplicity.”
Jeff Segal
Owner Domestique Wine Shop
“Melio has been a great solution. It has been very easy to train my clients how to use Melio. With the recent development of the accountant's portal, I can manage all my clients in one spot. I anxiously await any & all new updates!”
Stephanie Mack
Account Mobility

Melio is tailor-made for your small business

Start now free