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Pay any business bill with ACH

Pay your vendors with an ACH bank transfer, even if they only accept checks. They receive a bank transfer completely free, or a check. They don’t need a Melio account to accept the payment.
Start now free
Completely free
No sign-up or monthly fees. No transaction fees and no charges to recipients.
Flexible payment options
Pay any vendor by ACH transfer, even if they only accept checks. We’ll handle check delivery for you.
Online bill payment
Pay online from wherever you are and from any device. Minimize contact and limit disruptions.

How it works

how it works

Add bill details

Take a photo, upload a file, enter details, or connect QuickBooks Online.

how it works

Pay by card or bank

Pay with your credit card or an ACH transfer, even if your vendors only accept checks.

how it works

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.

Pay your business bill with your credit card

Even where cards are not accepted! Using a credit card allows you to defer payments and hold onto cash longer.

paying with a credit card

Simple user interface

Get up and running in minutes! With Melio’s user-friendly dashboard you can easily set-up, manage & track your bill payments online.

paying with a credit card

Schedule and manage multiple due dates

Stop setting reminders and worrying about late payments or paying too early. Schedule payment transactions and pay right on time, every time.

paying with a credit card

More ways to send payments

Pay multiple bills  at once

Save time on scheduling each bill individually, select multiple bills and pay them all at once.

Split a bill into many payments

Hang onto your cash flow by splitting bills into multiple payments and payment methods.

Make payments across borders

International payments lets you pay vendors in the UK, Canada and Eurozone for goods and services.

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
״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

Melio is tailor-made for your small business

Simple user interface.
No subscription fees.
Bank level security.
More cash flow, less busywork.
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