Choose when and how to pay vendors.
Gain more control over your payment process. Schedule free ACH bank transfers or pay by card, even where they aren’t accepted*—your choice. There are no subscription fees and your vendors don’t need to sign up.
Faster delivery times
Your payment due date is coming soon? Pay vendors with instant bank transfers. Vendor only accepts checks? We’ll send a fast check that arrives within 3 business days.
Connect accounting software to eliminate dual data entry and simplify reconciliation. Vendors, bills, and payments are updated on Melio and your accounting software.
Assign roles and permissions for your team and digitize your approval workflow. That way you’ll have full transparency over expenses and always be in the know.
Better cash flow
Get your vendors paid on time, while staying in control of cash flow. Pay by card and defer payments for up to 45 days. Or, make same-day transfers to hold onto cash longer.
Melio makes it easier to run your business.
No subscription fees
Signing up to Melio is free. Plus, sending ACH to ACH bank transfers costs $0.
Easy bill capture
Scan bills or send them directly to your Pay inbox at once to save time on manual work.
Easily pay all your vendors, including those outside the U.S., from the same place.
Pay on the go
Make payments or check the status of any payment—all from Melio’s mobile app.
Pay by credit card to collect rewards like points, miles, and cash back.
Do multiple payments at once or bundle several bills to the same vendor as one.
Split bills into multiple payments and payment methods for more flexibility.
Your bank details are never on the check, helping protect you from fraud & check forgery.
Partnerships that put small businesses first.
Melio has built infrastructure that provides tailor-made payment capabilities specifically designed for small businesses. Partners can integrate our embedded accounts payable and receivable technology to provide their customers with a seamless and customized workflow, more financial control, and better cash flow.
We’re proud of our customers’ success.
“The amount of time that Melio saves me is invaluable. It gives me more time to spend with the customers.” Jenny Hernandez, Co-founder