Pay your business bills with Mastercard and save up to $100 in fees*.

Sign up for Melio and add your eligible Mastercard to pay for rent, suppliers, and more, even where cards aren’t accepted, and get card fee credits applied automatically.

Melio Payments dashboard showing efficient ACH bank transfers for small businesses
Easy to use
Enjoy a simple user experience with Melio’s dashboard. Pay bills anytime, anywhere, in the US and around the globe.
Maximize cash flow
Keep cash on hand and defer payments until the end of the billing cycle, so you can invest in your business. 
Earn points and rewards
Rack up rewards points for making business payments — earning has never been easier.

The top choice for
over 100,000 business owners

How it works

Step 1
Sign up with Melio
Just click the button below
Step 2
Add your eligible Mastercard
Pay a business bill through your new Melio account
Step 3
Get fee credits
The 2.9% credit card fees will be automatically credited at checkout, up to $100. It’s that simple!
Save $100 in fees

* Subject to terms.

The power of Melio and Mastercard together

You pay your way, vendors get paid their way

Everybody wins with true payment flexibility: vendors can get paid by ACH, wire transfer, check, single-use virtual card, or instantly, while you pay with your card

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

Control your cashflow better

Hold onto cash longer and earn rewards by paying with your card, so you can boost your cashflow

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

Pay vendors and suppliers across borders

International payments made simple - vendors get paid in their local currency

Deferring credit card payments to get vendor paid on time but pay off card a month later.
Save $100 in fees

Billions transacted. Millions of hours saved

$100B+

Payments processed

15H+

Hours saved monthly (average)

40M+

Bills paid

2M+

Vendors paid

*Based on internal data, user surveys, and company records.

FAQ

What’s the benefit?

Mastercard offers up to $100 in fee credits on credit card fees when you add your World Mastercard for Business, World Elite Mastercard for Business, or a World Legend Business Mastercard® credit card (“Eligible Mastercard”) for the first time and use it to pay business expenses through Melio — it’s automatically credited to your account.

For example, if you make a $3,500 payment to a vendor with your Eligible Mastercard through Melio, the 2.9% credit card fee would normally be $101.50. With this promotion you’ll pay just $1.50 for that first payment, and you’ll see the credits reflected at checkout automatically.

Am I eligible?

You’re eligible for the benefit if you have a valid World Mastercard for Business, World Elite Mastercard for Business, or World Legend Business Mastercard® credit card (“Eligible Mastercard”) and you use it to pay a business expense via Melio for the first time. Melio users who have already used their Eligible Mastercard are not eligible. Offer is valid only for users in the US, Puerto Rico, and the US Virgin Islands.

How do I get started?

First, sign up for Melio.

Next, add your Eligible Mastercard to your Melio account.

Then, pay a vendor, supplier, or any business expense with your Eligible Mastercard for Business through Melio.

And that’s it! You’ll see the card fee credits at checkout.

What is Melio?

Melio is a leading platform for B2B payments, helping businesses of all sizes simplify payments, save time, and increase cashflow. One of Melio’s most exciting features is allowing businesses to pay with credit cards anywhere, even if vendors don’t accept card payments.

Can I get the benefit for personal payments?

No. Melio is only for business-to-business payments.

Can I get the benefit in more than one payment?

Yes, you can receive the benefit for more than one payment, up to a total of $100, on credit card fees.

Is the benefit applied automatically? Where do I see it?

Yes, the benefit will be automatically applied to your account when you add your Eligible Mastercard as a payment method in Melio. Once a payment is processed you'll see the credits for your transaction fees in your payment receipt.

Fee credits will be automatically applied until the full benefit amount is reached upon the successful processing of payments made using an Eligible Mastercard, in the order in which such payments are processed. Please note that credits are applied when payments are processed and earlier payments may use up your available credits first. 

Does the benefit include subscription fees?

No, the credits only apply to the credit card processing fees.

Have questions or need help?

Feel free to contact Melio support via the live chat during working hours, or via email at support@melio.com. Also, you can visit our help center for more details.

Terms & Conditions

Beginning on August 1, 2025 Melio users who provide their eligible World Mastercard for Business, World Elite for Business, or World Legend Business Mastercard® credit card issued in the United States or United States territories (“Eligible Mastercard”) as a funding source on the Melio platform will receive in-product fee credits equal to $100 (“Fee Credits”) to be used solely towards credit card fees charged by Melio for payments made using an Eligible Mastercard on the Melio platform (“Offer”). To be eligible, users must (i) have never made a card payment on the Melio platform using an Eligible Mastercard, and (ii) be located in the United States, Puerto Rico, or the U.S. Virgin Islands. The Offer is valid until July 31, 2027, and subject to change or early termination (“Offer Term”). Available Fee Credits will be automatically applied until depleted upon the successful processing of payments made using an Eligible Mastercard, in the order in which such payments are processed. Fee Credits that were not used prior to the Offer Term end date will automatically expire. Use of the Melio platform is subject to and governed by Melio’s Terms of Service (available at https://meliopayments.com/terms-of-service). Mastercard and any Eligible Mastercard issuing bank (“Issuer”) are not liable for products, services, acts, or transactions by Melio or on the Melio platform, and users agree to release and hold them harmless from any related claims. Melio is not responsible, and shall have no liability, for any actions by Mastercard or any Issuer relating to users’ Mastercard accounts, cards, or cardholder agreements or any other aspect of the relationship between users and Mastercard or Issuers. By participating in the Offer, users agree that Melio and Mastercard may share relevant information solely for purposes of Offer administration, and may use anonymized, aggregated data for business analytics and optimization, in accordance with their respective privacy policies. Melio and Mastercard are not liable for any delay or failure to perform resulting from causes beyond their reasonable control. Users are responsible for any applicable taxes arising from receipt or use of the Fee Credits. The Offer is void where prohibited and subject to applicable laws and regulations. All rights are reserved.