Preserve cash during the holidays by paying vendors with a credit card

Leverage your credit card billing cycle by paying vendors with your credit card, even if they don’t accept them (2.9% fee). Vendors receive a check or a bank deposit.
Start now free
Get up to 45 days of float
Defer payments until your next credit card billing cycle.
Quicker & simpler than a loan
Use your existing credit line and avoid the hassle.
More opportunities to earn
credit card rewards, points and cashback.
Logos of companies that partner with Melio including: Evolve bank and trust, Silicon Valley Bank, Intuit Quickbooks, American Express, Mastercard, Visa, Discover, Diners Club International.Logos of companies that partner with Melio including: Evolve bank and trust, Silicon Valley Bank, Intuit Quickbooks, American Express, Mastercard, Visa, Discover, Diners Club International.

How it works

Add bill details

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

Pay by card or bank

Pay with an ACH bank transfer or card, even where cards are not accepted.

Choose payment delivery

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

Pay business bills with a bank transfer for free

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

Simple user interface

Get up and running in minutes! With Melio’s easy-to-use dashboard you can set-up, manage & track your bill payments online and from any device.

Schedule and manage multiple due dates

Stop setting reminders and worrying about late payments or paying too early. Schedule payment transactions and pay right on time, every time.

More ways to send payments

Pay multiple bills  at once

Save time on scheduling each bill individually, select multiple bills and pay them all at once.

Split a bill into many payments

Hang onto your cash flow by splitting bills into multiple payments and payment methods.

Make payments across borders

International payments lets you pay vendors in the UK, Canada and Eurozone for goods and services.
"Melio is a life saver. Makes payments to vendors quick and efficient. Their user interface is one of the best and easiest to work with I've ever seen. We are truly grateful we found melio. Highly recommend."
Alejandro Duque
COO, Plei, Inc.
“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
“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 is a life saver. Makes payments to vendors quick and efficient. Their user interface is one of the best and easiest to work with I've ever seen. We are truly grateful we found melio. Highly recommend."
Alejandro Duque
COO, Plei, Inc.
“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
“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