Get higher tax deductions while keeping cash on hand

Pay planned business expenses for 2021 before 2020 ends to help reduce this year’s taxable income. Use your credit card to offset expenses to the next year.

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Reduce your 2020 taxable income

Move up deductions by paying some 2021 costs in advance.

Maximize your cash flow

Defer payments and extend float until your next credit card billing cycle.

Use your existing credit card

To pay vendors, even where cards are not accepted.

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.

Free up cash by paying with a credit card

Pay business expenses, including overheard like rent & utilities, with your credit card. Extend float, preserve cashflow and earn cashback & rewards. Vendors receive a check or bank deposit.

Seamless sync with QuickBooks

Just log in with your Intuit account. Your upcoming bills and payments will automatically sync between Melio & QuickBooks.

Simple user interface

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

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