Move money fast.
Hold onto cash longer.

When paying vendors, time is of the essence. Paying too soon hurts your business's cash flow, paying late incurs late fees. Melio’s got your back with fast delivery options, including multiple same-day delivery.

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No subscription fees

Singing up to Melio is completely free with $0 monthly fees. ACH bank transfers are also free.

Accounting software sync

Get a 2-way sync with QuickBooks Online and Xero so all bills and vendors are automatically updated.

Payment flexibility

Pay the way that’s best for you—ACH bank transfer or card. Vendors receive payment how they prefer.

5 checks each month—on us.

How it works

Step 1

Add bill.

Take a photo, sync with QuickBooks or Xero, or send invoices directly to your Melio account.

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. You can expedite payment to get vendors paid even faster.

How fast will your vendor get paid:

Fast ACH options.

ACH-to-ACH bank transfers are free and arrive within 3 business days.* Need to pay faster? Expedite payment by sending a same-day bank transfer.**

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

Pay by card.

Card-to-bank account payments are delivered on the same day.** Pay by card to defer payments to the end of the next billing cycle. Plus, maximize card rewards.

Vendor prefers checks?

We’ll send checks on your behalf within 5-7 business days. Due date is approaching? Send a fast check which will arrive at your vendor’s within 3 days*.

Instant payments (coming soon).

Do you need to pay your vendor last minute? Send the payment instantly to receive the supply and avoid late fees.

With Melio, it’s easier and faster to pay.

Approval workflows

Share one account with your team and set everyone’s role & payment permissions.

International payments

Easily pay all your vendors, including those outside the U.S., from the same place.

Combine payments

Do multiple payments at once or bundle several bills to the same vendor as one.

Partial payments

Split bills into multiple payments and payment methods for more flexibility.

Recurring payments

Set up recurring payments for monthly bills or any business expense that happens more than once.

Pay on the go

Quickly pay vendors, scan bills, and check the status of any payment—all from your phone.

Why small businesses choose Melio

“We are able to expedite payments 2-3 times quicker than before and, more importantly, eliminate costly inefficiencies traditionally involved in our industry.”

Shabsie Levy

Founder & CEO of shifl

“Melio has enabled us to work and handle payments remotely. It normally would take an hour at least to pay bills. With Melio it takes about 15 minutes.”

Ryan Looper

Director, De Maison East

“I needed software like Melio that can help me speed up the whole process of the payment delivery as well as offer the possibility of using a credit card, in order to have more cash flow for the company.”

Stanislav Nikolov

Founder & CEO of SPN EVENTS

Move money fast.Hold onto cash longer.