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.

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Melio Payments dashboard showing efficient ACH bank transfers for small businesses

Pay as you go

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.

Compare Melio and
QuickBooks Online Bill Pay.

Compare Melio & QuickBooks Online Bill Pay.

Melio Go

QuickBooks

Bill Pay Basic

Free ACH transfers

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

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.

Why pay bills with Melio.

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.

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.

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.

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.”

"Melio has been my go-to third-party bill payment processor for many years now. I love how it seamlessly integrates into QBO so that I can process bills in QBO or in Melio. The interface is super easy to use and understand."