Introduce your business to ACH payment processing.

A cost-effective ACH solution for your business expenses that’s also secure, easy to track, and fast.

Payor and Payee - Melio's fast ACH payment

The benefits of online ACH payments.

Your details stay secure.

Pay and get paid by ACH bank transfers without sharing your personal bank details with your vendors or customers. Plus, say goodbye to paper check fraud.

Melio's ACH bank transfer payment method

Money arrives quickly.

Regular ACH bank transfers arrive within 3 business days.1 Perfect for scheduling in advance and recurring bills. Expedite the delivery and send or receive funds instantly.2

A small business owner with a tablet and truck in the background

Cost-effective payment method.

There are many popular payment methods in the B2B world. ACH payment processing is the most cost-effective way to pay and get paid.

A business owner paying bills online with ACH bank transfer

How fast will my payment arrive?

Instant transfer

Businesses can initiate an instant transfer to either pay or get paid within minutes.2

Vendors can opt-in to receive instant transfer.

Same-day ACH

Initiated before 2 p.m. ET, same-day transfers arrive by the end of the business day.3

Eligible vendors can get paid directly to their bank account by the end of the business day.

Regular ACH bank transfer

When scheduled before 9 p.m. ET, payments arrive within 3 business days.

Regular ACH bank transfer delivery time

More ways to utilize ACH transfers.

Pay in batch.

Pay multiple bills at once and pay them by ACH in just a few clicks. Combine several bills to the same vendor into one payment.

Split bills into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments.

Set up recurring payments.

Schedule recurring bills like rent and utilities in advance. Funds will be debited from your bank account automatically, giving you peace of mind.

More ways to utilize ACH transfers.

Pay in batch.

Pay multiple bills at once and pay them by ACH in just a few clicks. Combine several bills to the same vendor into one payment.

Split bills into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments.

Set up recurring payments.

Schedule recurring bills like rent and utilities in advance. Funds will be debited from your bank account automatically, giving you peace of mind.

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FAQ

It’s easy to make ACH payments online. To pay by ACH bank transfer, first you’ll need to connect your bank account as the funding source. Then, simply choose a vendor or bill to pay. Then, choose ACH bank transfer as your payment method. Next, choose a delivery method and speed. And you’re done.

Melio works with banks like JP Morgan, Evolve, and Silicon Valley Bank (a division of First Citizens Bank) that facilitate the processing of ACH payments. When connecting a bank account to Melio, you can pay and get paid by ACH bank transfers quickly and securely.

To start enjoying the benefits of ACH payments, you first need to link your bank account.

  • Verifying with micro-deposits: Micro-deposits are small amounts of money that enter your bank account so we can verify your account. These will be debited back from your account within a few days of being deposited.
  • Instantly with Plaid: Connecting your bank account automatically with Plaid takes only 1-2 minutes and is the fastest way to start using Melio–all you need is your online banking credentials.

With Melio, you can request and receive payments from other businesses directly to your bank account. To get started, you’ll need to connect a bank account and select it as your receiving method. Start sending payment requests to your customers and when they pay you, funds will be sent to you by ACH to your bank account.

Definitely. International payments at Melio can be made by ACH bank transfer. Funds will then be delivered to the international vendor via an international payment method.