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

Leverage your credit card billing cycle by paying any vendor 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.

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

Choose payment delivery

Melio sends a bank transfer completely free, or your vendor gets a check. They don’t need a Melio account to accept the payment.

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.

Small businesses trust Melio to simplify their business payments

״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