Pay all your local and global vendors from one place.

Easily pay all your vendors from one platform. Choose bank transfer or card, send international payments in USD or local currency, and keep your international money transfers moving quickly worldwide.
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Maximum value, minimal cost

Enjoy low fees and market-leading exchange rates you can rely on every time you pay.

Fast payment 
delivery

Pay in local currency and your vendors could see the money as soon as the same business day.

Accounting software sync

Connect Melio with Xero or QuickBooks to ensure your international payments sync seamlessly with your accounting platforms.
Get access to everything Melio has to offer for free.

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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Melio vs. Competitors.

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Features
Melio
BILL
Ramp
Plastiq
QuickBooks
International payments
Bank transfers to global vendors
USD only
Pay global vendors by card (even where cards aren’t accepted)
No vendors signup needed
Free plan
International payment fees*
$20 flat fee for USD; low exchange rates for other currencies compared to other bill pay providers
$19.99 flat fee for USD; high exchange rates for other currencies
$20 flat fee for USD; high exchange rates for
other currencies
$39 flat + 1% fee for USD; other currencies require additional
Not supported

*Flat fees apply only to USD payments on Melio. For local currency payments, other bill pay providers often add extra fees or mark up exchange rates while Melio consistently offers more competitive exchange rates.

Speed up your international payments.

Low cost, high speed.

Pay your global vendors in USD for a $20 flat fee or in their local currency with some of the most competitive exchange rates available. Either way, vendors get paid quickly, often by the next business day.

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

Handle international payments by card.

Use your credit card to pay international contractors and vendors, even where cards aren’t accepted. Defer payments, earn rewards, and let vendors get paid their way—all for just a 2.9% fee.

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

Gain control.

Manage all your payments on a single platform. Gain full visibility of incoming and outgoing funds with Melio’s secure, trackable, and easy-to-use dashboard specifically designed for an international payments business.

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

Make multiple payments at once.

Streamline your payment flow and send international payments to thousands of vendors in and outside of the U.S. in a flash, hassle-free. Focus on the work, not the payout.

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

Explore Melio’s exchange rates.

Melio provides the most competitive rates among international bill pay solutions. See what your conversion could look like when paying vendors in their local currency.

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.