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.
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Get an extra 45 days of cash.

Pay business bills with a credit card and extend your float for up to 45 days.

Reinvest in your business.

Buy what you need now,and pay for it during your next billing cycle.

More opportunities to earn.

Get credit card rewards, points, and cashback on every purchase you make.
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

Step 1
Add bill or invoice details.
Take a photo, upload a file, enter details, or connect QuickBooks Online.
Step 2
Select payment method.
Pay via bank transfer or card, even where cards aren’t accepted.*
Step 3
Choose payment delivery.
We’ll send a check or bank transfer. Your payee doesn’t need a Melio account.

More cash to keep your business flowing.

With credit, your vendors still get paid on time, and you can postpone paying until your next billing cycle. That way, you can hold onto cash longer and stock up on inventory during the busy holiday season.

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

Rack up those points.

Earn every time you pay your business bills. You can use your points for cash back, airline miles, front-row tickets, or anything else you want.

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

No more writing or mailing checks.

When you use your credit card to pay vendors who only accept checks, Melio will write and send the check on your behalf - for free. Save time and leave the hassle of writing and mailing checks behind.

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

Connect your accounting software.

Sync your QuickBooks Online account and import your bills and vendors to get an easier, quicker, payment flow - no double data entry, no manual errors, and best of all you save tons of time.

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

These businesses work smarter with Melio.