Pay with your Visa even where cards aren't accepted!

Pay your business bills with your Visa card (2.9% fee), and enjoy cash back, rewards and extra float on your business expenses.
Start now free

Keep cash longer

Defer payments until your next billing cycle and extend float by up to 45 days, depending on your card terms.

Earn now, travel later

Earn points on your business expenses to use for future travel, and elevate your business rewards potential.

Get cashback

Enjoy automatic cash back on your Visa simply by paying your business bills.
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.

How it works

Step 1
Add bill details.
Take a photo, upload a file, 
enter details, or connect QuickBooks Online.
Step 2
Pay by card or bank.
Pay with your credit card or an ACH transfer, even if your vendors only accept checks.
Step 3
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.

More opportunities to earn.

Supercharge your credit card rewards and meet the minimum spending threshold simply by paying your business bills with your Visa.

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

Pay business bills with a bank transfer for free.

When you pay your bills by bank transfer and your vendor gets paid the same way, the transaction is free. They can also get paid by check.

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

Seamless sync with QuickBooks.

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

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

No more writing or mailing checks.

When you use your credit card to pay vendors who only accept checks - Melio will write and send the check on your behalf. Save time and leave the hassle of writing and mailing checks behind.

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 at once

When you pay your bills by bank transfer and your vendor gets paid the same way, the transaction is free. They can also get paid by check.

Split a bill into multiple payments

Hang onto cash longer by splitting bills into multiple payments and using different payment methods.

Make payments across borders

From Canada to China and back, you can pay vendors across the world.