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Get your vendors paid instantly.

Need to pay a vendor right now? Do it instantly with Melio. You get to hold onto cash longer and pay when it’s best for you. Your vendors see the funds within minutes.1
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Drawing of a colorful bag with “New York Locals” written on it beside a purple Melio logo.
Fast payment arrival times, including instant and multiple same-day delivery options.
Sync QuickBooks Online to automatically update bills and vendors.
Regular ACH transfers are free & so are your 5 first checks each month.2

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 3
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 1
1% fee (up to $50)
Fast transfer
Same day 4
1% (up to $30)
Next day
$10
Fast check
3 business days 3
$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.

Why small businesses pay bills with Melio.

Free & fast ACH bank transfers.

ACH-to-ACH bank transfers are free and arrive within 3 business days. Due date is here? Expedite payment to get your vendors paid by the end of the day.

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.

Card payments.

Pay by card even where they aren’t accepted5 and defer payments to until your next billing cycle. Hold onto cash longer to improve cash flow and earn more card rewards.

Pay vendors without borders.

Send payments to vendors out of the U.S. by bank transfer or your Mastercard. Streamline the payment process and pay them all from one place.

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.

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!”

Pay vendors instantly.

Get started
1 Each payment is subject to eligibility requirements and limitations. Availability: Mon-Fri, 2 a.m. until 7 p.m. (ET) | 2 The offer is available for all Melio users with a synced accounting software account.
3 If scheduled before 9 p.m. ET | 4 If scheduled before 2 p.m. ET | 5 Subject to network card limitations
1 Each payment is subject to eligibility requirements and limitations. Availability: Mon-Fri, 2 a.m. until 7 p.m. (ET)
2 The offer is available for all Melio users with a synced accounting software account.
3 If scheduled before 9 p.m. ET
4 If scheduled before 2 p.m. ET
5 Subject to network card limitations