Speed up contractor setup
Add contractor details, request W-9s, and get them ready to pay, no Melio signup needed. Contractors get email updates at every step—scheduled, sent, and delivered—so they can easily track payment status.
Online contractor payments
Onboard contractors fast. Pay them even faster.
Leave the spreadsheets and expensive tools behind. Onboard contractors fast, pay them on your terms, and keep them happy by paying them without forcing them to sign up.
Trusted by
Onboard and pay contractors in minutes
Stay on top of every W-9
Securely request W-9s online, individually and in bulk. Track missing submissions, send reminders, and stop wasting time on printing, chasing, or manual data entry.
Send contractor payments fast
Let your contractors choose instant or same-day payments, so they get their money when they need it—helping you stand out, build loyalty, and gain an edge when competing for in-demand talent.
Pay contractors anywhere
Pay international contractors just as easily as domestic ones, with expedited payment options available. Whether they prefer to be paid in USD or their local currency, they can expect full visibility into payment status.
Take control of your cash flow
Extended float
Pay your contractors with a credit card (2.9% fee) to hold onto your cash for an extra 30-45 days.
Flexible payouts
Pay via ACH, check, or wire. Contractors choose how they get paid while you stay in control of your cash flow.
Predictable payments
Schedule payments in advance so you know exactly when cash is leaving your account.
Patriot Welding Supply
"The ease of the page where you can see all your payments that you’ve sent out, and you can click on them and see the status, was huge for me." Jenny Hernandez, Co-founder
Organized, compliant, and in control
Centralized payments
Manage payments to both your 1099 contractors and your vendors in one simple, unified workflow.
Effortless compliance
Request W-9s upfront and easily sync with Tax10991 to make end of year filing a breeze.
Automatic sync
Keep your books accurate with automatic, two-way integration for QuickBooks Online and Xero.
Pay vendors on the go with the Melio app
Send, track, and approve payments wherever you are. Scan bills and invoices, review requests, and stay updated on vendor and contractor payment status.
FAQ
You can pay independent contractors online by ACH bank transfer, credit card, or debit card. U.S.-based contractors can choose to receive funds by ACH or paper check, while international contractors receive payments directly to their bank accounts. They don’t need a Melio account to get paid, and you can handle contractor and vendor management and payments in one streamlined platform.
You can pay freelancers, contractors, and any other business expense. Here are some examples:
Marketing & advertising specialists
Copywriters
Drivers
Graphic designers
Accountants & bookkeepers
Rent (when your landlord is a business not an individual)
Utilities
Taxes
Insurance
Yes—you can also speed things up when timing matters. Send instant or same-day transfers, or choose a trackable fast check that arrives within 3 business days or even overnight. Expedited payments are subject to eligibility requirements and limitations.
Learn more about fast payments through Melio.
No, unlike other platforms that force contractors and vendors to create accounts, Melio provides a frictionless experience so they can get paid without having to sign up. They’ll receive email updates for every step of the payment process—scheduled, sent, and delivered—so they can track payments even without a Melio account. They receive the funds directly into their bank account or via a check in the mail—no login required.
If they do choose to create an account, they can send invoices directly through Melio, making it easier for you to track and pay them.
When you make a payment, they will get a notification via email. The email includes the amount, how they will receive payment (ACH bank transfer or paper check), when it’s scheduled, the name of your company and the invoice number.
Melio automates the heavy lifting of tax season prep and filing. We enable you to send digital W-9 requests to contractors which are stored securely in your account. When you are ready to file, you can sync your data directly to Tax1099 to automatically generate and e-file your forms, making 1099 management a breeze.
Yes. You can pay your contractors with a credit card for a 2.9% fee to hold onto your cash for an extra 30-45 days, or sometimes a bit longer, even if your contractor doesn’t accept cards.2 When you pay by card, Melio pays your contractors and vendors the same day3 by bank deposit or check, while you postpone paying until your next billing cycle. That means you keep cash on hand longer for your business needs, maximize your float, and earn rewards.
You can start for free. Our essential plan, Melio Go, has no subscription fees and includes 5 free ACH bank transfers to contractors per month.
For growing businesses, we offer plans starting at $20/month with Melio Unlimited, Boost, and Core. These plans include advanced automation like approval workflows and digital W-9 collection, as well as enhanced syncing capabilities with Xero and Quickbooks.
While signup isn’t required to receive payments, creating a free Melio account gives your contractors more control and visibility. They can track payment statuses in real time via our mobile app, manage their bank details securely, and create and send professional invoices directly to your Melio account—streamlining the process for both of you.
