Pay & get paid your way.
Payment workflow made smarter.

Pay vendors with Melio by ACH bank transfer, card, or expedited payments – your choice. Pay multiple bills in one click, set up approval workflows, sync with your accounting software, and more. Grow your business and unlock a whole new level of productivity and payment speed with Melio.

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Use your QuickBooks credentials to keep bill payments synced.
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Unlimited ACH, unlimited users, advanced workflows, and more - free for your first 30 days.

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Get a $300 gift card when you pay worldwide

Make your first international payment of $1,000+ with Melio during May and receive a $300 gift card. Limited to 100 users - act now!

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Why pay bills with Melio.

Hold onto cash longer.

Pay by card, even where they aren’t accepted.1 Defer payment to the end of the billing cycle so you have more cash on hand to invest in your business.

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.

Gain control.

Manage all your business payments on a single platform. Add team members and set up approval workflows to share the responsibility while staying in control of every payment.

Stay ahead with fast payments.

When paying by card, fast wire, or fast ACH, your vendors receive payment by the end of the business day.2 You can also send payments instantly3 to avoid late fees and maintain relationships.

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.

Connect your accounting software.

Sync QuickBooks Online or Xero and import your bills and vendors to get an easier, quicker, payment flow. No double data entry, no manual errors.

The top choice for over 100,000 business owners

Billions transacted. Millions of hours saved.

$100B+

Payments processed

15H+

Hours saved monthly (average)

40M+

Bills paid

2M+

Vendors paid

*Based on internal data, user surveys, and company records.

Your payment experience, always evolving.

Recurring payments

Schedule recurring bills like rent and utilities in advance. Funds will be debited from your bank account automatically, giving you peace of mind.

Auto bill capture

Scan bills, import invoices from your Gmail account, or send invoices directly to your Bills tab at once to save time on manual work.

W-9 collection

Collect W-9 forms from contractors directly from Melio. Make sure you’re ready for tax season.

Auto 1099 sync

Easily file 1099 by syncing to tax1099.com, reducing manual data entry errors and the risk of discrepancies.

Fast payments

Expedite your payment by sending a fast ACH transfer or fast check and keep your vendor at ease.

Pay over time

Vendors get paid on time, in full. Choose repayment term—from Net 30 and up to 12 monthly installments.

Pay on the go

Make, track, and approve payments directly from Melio’s mobile app, even when you’re away from your computer.

Schedule in batch

Collate multiple bills and pay them in a few clicks. And, combine multiple bills to the same vendor and send them as one transaction.