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A simpler way to
pay vendors and contractors.

Pay business bills with bank transfers for free. Or pay by credit card (even where cards aren’t accepted).* There’s no monthly fee and your vendors don’t need to sign up. Give it a try and enjoy $100 in cashback on your first payment**.
Sign up to Melio
Drawing of a colorful bag with “New York Locals” written on it beside a purple Melio logo.

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.

Payments any way
you want.

Improve your cash flow.

Pay business bills with your credit card—even where cards aren’t accepted—to defer payments and hold onto cash longer.

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

Make instant payments.

Pay your vendor today, straight to their bank account. They only accept checks? No problem. We’ll send business checks on your behalf to arrive in three business days.

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.

Manage approvals.

Invite additional users or your accountant, and easily set up their roles and permissions. You can control approval of each transaction, and stay on top of your cash flow.

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

Seamless sync with QuickBooks.

Log in to your Intuit account to connect QuickBooks for two-way sync between your bill pay and accounting.

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

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a single bill into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever—and it’s free.

Make payments across borders.

International payments allow you to pay vendors outside the US in US dollars for goods and services your business needs.

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a single bill into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever—and it’s free.

Make payments across borders.

International payments allow you to pay vendors outside the US in US dollars for goods and services your business needs.

Pay utilities, phone bills and more with Melio’s network.

Access vendors like AT&T, Capital One, Amex, and many more on Melio’s network. Pay your bills on time, every time, in just a click.

Learn more
Learn more

Meet our customers.

Meet De Maison East
Why our customers love Melio.
Daniel Bendjy, General Manager of Rangoon
Why our customers love Melio.
“Melio has saved us time and headaches. We are now on top of payments to our vendors. Everything is scheduled ahead of time!”
Daniel Bendjy,
General Manager of Rangoon

Simplify business payments. Amplify your cash flow.

Simplify business payments. Amplify your cash flow.

Start now
Let's go
*Subject to card network limitations
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**Terms of Eligibility: 
Get $100 cash back when you sign up and make your first payment by April 30th, 2023.

To be eligible to receive the $100 cashback, a user must successfully register to Melio using the link in New York Locals bio, and successfully complete their first payment on the platform (via MelioPay) of at least $200 by April 30th, 2023, and such payment is not charged back or refunded. 

Eligible users will receive the cashback by bank deposit to their bank account, as will be provided to Melio. Melio reserves the right to end the promotion ahead of time or to make changes or additions to this promotion for any reason at any time. This promotion is available only to new users who have signed up to Melio using the link in New York Locals bio. Melio reserves the right to withhold payment of rewards in case of fraud or abuse and subject to its Terms and Conditions.