Pay with a credit card. Accelerate your cash flow.

Pay vendors by card (2.9% fee)—even where cards aren’t accepted.1 Get vendors paid on the same day.2 Postpone paying until your next billing cycle and maximize card rewards like points and cashback.

Melio Payments dashboard showing efficient ACH bank transfers for small businesses
Pay as you go
Sign up to Melio Go for free and only pay the transactional fees. Plus, your first 5 ACH transfers cost $0.
Sync accounting software
Connect Melio with QuickBooks Online to ensure bills, invoices, and payments stay up to date on both platforms.
Speed up payments
Send payments as fast as instantly. Get more control over your cash flow and enjoy business growth.
Limited time offer: Get 90% off subscription fees for your first 3 months.
Start now

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!

Terms and conditions applySign up
5 free ACH transfers, every month
No matter how your vendor wants to get paid, you can pay by card or ACH transfer. Your first 5 ACH transfers each month cost $0.

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!

Terms and conditions applySign up

Get the best out of Melio for 90% off.

Let’s make the next 3 months absolutely game-changing.
1st Month
2nd Month
3rd Month
1st Month
Integrate
Incorporate Melio’s tools into your day-to-day operations—Assign roles, build custom workflows, make batch payments, utilize auto-pay , and more.
2nd Month
Experiment
Explore and try out Melio’s advanced cash flow management and automation features—like AI bill capture, pay-by-card, and QuickBooks sync.
3rd Month
Celebrate
Save hours each week and settle into a more efficient payment process while maximizing productivity, cash flow, and financial control.

Compare Melio and
QuickBooks Online Bill Pay.

Compare Melio & QuickBooks Online Bill Pay.

Melio Go
QuickBooks
Bill Pay Basic
Free ACH transfers
5/month
5/month
2-way sync with QuickBooks and Xero
Limited to 10 payments
QuickBooks only
Dedicated email for
auto bill capture
ACH payments
3 business days3
$0.50 | First 5 free
3-5 business days
$0.50 | First 5 free
Wire transfer
Pay by card
Same day2
2.9%
Send a check
5-7 business days
$1.50
8-10 business days
$1.50
Global payments
Foreign currencies available
Instant transfer
Within minutes4
1% fee (up to $100)
Same-day ACH
Same day2
1% (up to $30)
Next day
$10
Fast check
3 business days3
$20 flat fee
Request vendor delivery details without registration
Recurring payments
Partial payments
Schedule payments in advance
Unlimited
90 days in advance max
Information is taken from Intuit’s blog and website as of August 2024.

The top choice for over 100,000 business owners

Gain control.

Gain full visibility with real-time payment tracking and flexible scheduling, giving you greater control over your cash flow. Mix and match multiple payment methods to suit your needs.

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.

Save time.

Pay your vendors as fast as it takes to send an email. Leverage time-saving tools like recurring payments and replaces the manual process of paying invoices and chasing incoming payments.

Choose how you pay.

You can choose the payment method that’s best for your business needs–bank transfer or card. Vendors get paid their way and don’t need to sign up.

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.

Pay vendors without borders.

Manage all your domestic and international payments effortlessly in one place. Use your Visa or Mastercard to pay vendors in over 80 countries. Make international payments in USD while your vendors receive their local currency.

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.