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Choose Melio for free, faster payment options.

Debating between Melio and QuickBooks Bill Pay? Don’t. Melio offers free, faster ACH bank transfers and better capabilities while having $0 subscription fees.
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Drawing of a colorful bag with “New York Locals” written on it beside a purple Melio logo.
Sync QuickBooks Online to automatically update bills and vendors in both platforms.
Fast payment arrival times, including instant and multiple same-day delivery options.
Boost your efficiency with free payment capabilities like combining multiple bills to the same vendor into one payment.
Boost your efficiency with free payment capabilities like paying multiple bills at once.

Compare Melio and the new QuickBooks Online Bill Pay.

Melio
QuickBooks
Bill Pay Basic
Subscription fee
$0
$0
(Must have a paid QuickBooks subscription)
Number of users
Unlimited
Limited
ACH-to-ACH bank transfers
3 business days 1
Free
3-5 business days
$0.50 | First 5 free
Regular check
5-7 business days
$1.50 | 5 free checks a month 2
8-10 business days
$1.50
Instant bank transfer
In minutes 3
1% fee (up to $50)
Fast transfer
Same day 4
1% (up to $30)
Next day
$10
Fast check
3 business days 1
$20 flat fee
Pay by card
Same day 4
2.9%
International payments
Foreign currencies available soon
Schedule payments in advance
Unlimited
90 days in advance max
Partial payments
User roles
Approval workflows
Recurring payments
Combine payments
Information is taken from Intuit’s blog and website as of May 2024.
5 checks each month—on us.
Sign up and sync Melio with your accounting software. Keep your books in check plus, get 5 free checks.

Why small businesses pay bills with Melio.

Choose how you pay.

Pay by ACH bank transfer or card—even where cards aren’t accepted.4 Your vendors receive the funds however they prefer—bank transfer or check.

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

Pay vendors around the world.

Pay vendors anywhere in the world by bank transfer or your Mastercard to extend float. Streamline the payment process and pay all your vendors from one place.

Boost your efficiency.

Improve your payment process and save hours each month with capabilities like approval workflows, recurring payments, and combined payments.

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

These businesses work smarter with Melio.

“We are able to expedite payments 2-3 times quicker than before and, more importantly, eliminate costly inefficiencies.”

“Melio is super easy to set up and use. Being able to enter bills in QBO and have them in Melio has been game-changing for payables management and cash flow forecasting.”

"No words to describe how great Melio is; perfect for small businesses. You can use Melio entirely for free to process ACH payments to vendors… The layout and speed of payments are great!”

Choose the payment solution that’s best for you. 

Get started
1 If scheduled before 9 p.m. ET

2 The offer is available for all Melio users with a synced accounting software account.
3 Each payment is subject to eligibility requirements and limitations. Availability: Mon-Fri, 2 a.m. until 7 p.m. (ET).

4 Same-day ACH bank transfer and card payments scheduled before 2 p.m. ET arrive by the end of the business day. 

5 Subject to card network limitations