Pay all your vendors by ACH bank transfer.

Melio provides the simplest, fastest way to send & receive business payments online with ACH bank transfers. Manage & track all your incoming and outgoing payments in one secure platform—while maximizing productivity and cash flow. Plus, your first 5 ACH transfers each month are free.

Melio Payments dashboard showing efficient ACH bank transfers for small businesses
Sync accounting software
Connect Melio with QuickBooks, Quickbooks Desktop or Xero to ensure bills, invoices, and payments are up to date on both platforms.
Pay fast. Stay ahead.
Send payments as fast as instantly.* Get more control over your cash flow and enjoy business growth.
Vendors get paid their way
No matter how you choose to pay, your vendors get paid however they prefer–and don’t need to sign up.
Subscribe now and get 25% off all yearly plans -
Use promo code - WELCOME15

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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Plans for every business:

Monthly
Save 15%
Yearly
Save 25%
Go

Amplify cash flow, centralize payments, and pay & get paid any way you want.

$0
/mo
Limited to one user
Get started
Included in Go:
5 free ACH transfers/month
10 free syncs with QuickBooks Online & Xero
Multiple payment methods: Pay by card or bank—send check, ACH, or instant transfer
Easy bill adding: Upload, scan, or import bills
Dedicated email for auto bill capture
Recurring & partial payments
Instant payments
Free mobile app (iOS & Android)
Get paid: Accept payments via custom links
Core
Recommended

Unlock more control & efficiency with automated workflows and 2-way sync.

$25
/mo
$21.25
/mo
Plus $10/mo per additional user
$25
/mo
$18.50
/mo
Plus $8/mo per user. Billed annually
Start free trial
Everything in Go, and:
20 free ACH transfers/month
Unlimited 2-way auto-sync with QuickBooks Online & Xero
Batch-pay multiple bills at once
Combine payments into one transaction
Roles, permissions, and user management
Automated approval workflows
W-9 collection & auto 1099 sync
Automatic capturing of bill line items
Priority support
* Transaction fees apply

The top choice for over 100,000 business owners

Save time.

Whether you are at the office or on the go, Melio offers an efficient tool that replaces the manual process of paying invoices and chasing incoming payments.

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.

Maximize efficiency.

Schedule multiple bills at once, add team members and accountants, and sync with QuickBooks, Quickbooks Desktop or Xero to boost your team’s efficiency.

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.

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.

Billions transacted. Millions of hours saved.

$100B+

Payments processed

15H+

Hours saved monthly (average)

40M+

Bills paid

2M+

Vendors paid

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a bill into many payments

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever—and it’s free.

Make payments across borders.

International payments allow you to pay vendors outside the US in US dollars for goods and services your business needs.

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a single bill into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever—and it’s free.

Make payments across borders.

International payments allow you to pay vendors outside the US in US dollars for goods and services your business needs.

Additional benefits to help your business grow.

Pay by card

Use Melio to pay business bills with a credit card (2.9% fee) to defer payments, increase cash flow, and earn card rewards.

Get rid of checks

No more writing & sending checks—we handle check delivery for you. Getting paid by business customers? Funds are deposited directly into your bank account.