Special offer! Sync your accounting software & get 5 free checks per month until April 15, 2024. Start now ›

How it works

Step 1

Add bill or invoice details.

Take a photo, sync with your accounting software, or send invoices directly to your Pay inbox.

Step 2

Select payment method.

Pay via bank transfer or card, even where cards aren’t accepted.

Step 3

Choose payment delivery.

We’ll send a check or bank transfer. Your payee doesn’t need a Melio account.

Payments any way you want.

Improve your cash flow.

Pay business bills with your credit card and defer payments and hold onto cash longer. Plus, collect more of the card rewards you love.

Send & receive bank transfers. For free.

ACH bank transfers are secure and trackable. Plus, you save on fees when you make and accept ACH payments.

Trackable bank transfer.

Boost your efficiency.

Improve your payment process and save hours each month with capabilities like approval workflows, recurring payments, and combined payments.

Seamless sync with QuickBooks & Xero.

Connect your QuickBooks Online or Xero account so that bills, vendors, and payments are up to date on both your accounting software and Melio.

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 U.S. in U.S. 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 U.S. in U.S. dollars for goods and services your business needs.

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Pay vendors anywhere, anytime with the Melio app.

An easier way for you to make and track payments wherever you are. Quickly scan bills and invoices, approve or check the status of any payment—all from your phone.

*Currently, this app is only available for iOS. Android version is coming soon.

Meet our customers.

Thaxton & Associates

“It's been a money saver and it's been a time saver.” Michael T. Thaxton‍, Founder and President

Read story ›
Michael T. Thaxton‍ Founder and President of Thaxton & Associates
Aora Cargo

“What I like most about Melio is that it helps us to save money.” Ignacio Araya, Founder and CEO

Read story ›
Ignacio Araya, Aora Cargo Founder and CEO standing with two drivers next to a truck.
De Maison East

“It normally would take an hour to pay bills. With Melio, it takes about 15 minutes.” Ryan Looper, Director

Read story ›
André Tamers, founder of De Maison East and Ryan Looper, director od De Maison East drinking wine
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FAQ

Definitely. Melio is an online business payments platform in which you can pay vendors, suppliers, contractors, and other business expenses. Any business bill you have to pay is a part of your accounts payable and you can manage the payments and the AP workflow with Melio.

There are many benefits to AP automation tools. Some of those benefits include: 

  • Saving time: Traditional ways of managing AP include a lot of manual work. Automating your bill pay process can lead to an 80% reduction in time handling
  • Fewer errors: Accurate accounting is crucial for the health of business financials and growth. Accounting mistakes usually are the result of human error and can be avoided by automating your accounting, including your bill pay process.
  • Improved security: Unlike cash or paper checks, digital payments leave a clear trail and can’t get lost or stolen on the way.

You can use Melio to pay for business expenses. That includes all your vendors, suppliers, and contractors. It also includes utilities, rent, and more. The most important thing to remember is that both entities must be businesses.

To make sure your AP workflow is as efficient as can be, it’s best to use a solution that syncs with your accounting software. Melio AP solution syncs with QuickBooks Online and Xero.

Yes, you can. With Melio, you can pay by card even when cards aren’t accepted. That way you can defer payments for up to 45 days to improve your cash flow and collect more card rewards like cash back, points, and airline miles.