Stay ready for anything
Fast payments give you the flexibility to move at the speed your business needs, from closing time-sensitive deals to paying last minute invoices. Keep vendors happy, avoid late fees, and seize opportunities.
Instant transfers and same-day payments
Stay ahead with fast payment solutions.
Make fast decisions by paying at the speed that’s right for each payment with speedy delivery times for local and international payments. From overnight checks to instant transfers and fast international payments—the choice is yours.
Fast payment options that fit your business needs
Instant transfer
Pay for things that need to be settled immediately. Vendors receive funds directly to their bank account, within minutes.1
Same-day payments
Send same-day bank or wire transfers or pay by card. Your vendor receives funds by the end of the day2 and you don’t miss a due date.
Fast check
Vendor only accepts checks? Expedite the delivery. Send a trackable fast check that will arrive within 3 business days or even overnight.3
Global speed
Pay global vendors in their preferred currency as fast as the same-day for local currency and 1 business day for USD.4
Strengthen your business with fast payments
More ways to control cash flow
Melio offers a variety of payment methods and speeds to support smart cash flow management. Make fast payments, instant transfers, or same-day payments according to your needs.
Global payments that travel fast
Get your international vendors paid fast—even same-day. Improve vendor relationships and optimize cashflow with speedy international payments.
Your vendor can expedite delivery as well
Melio offers your vendors many options to receive their funds faster, from instant to same-day transfers and more.
Instant delivery
Eligible vendors can opt-in to receive funds via instant transfer to their bank account—24/7, all year round. Learn more >
Single-use virtual card
Vendors who choose single-use virtual card as their delivery method can process payments instantly, at any time. Learn more >
Same-day bank transfer
Eligible vendors can select the option to get paid directly to their bank account by the end of the business day.5 Learn more >
Fast payment FAQ
At Melio, we aim to offer the fastest delivery times. Regular ACH bank transfers arrive within 3 business days and cost 0.5$ (each plan has additional free transfers). In addition, expedited payments carry a fee. Here’s a summary for businesses who initiate a payment to vendors:
- Same-day bank transfers: 1%, up to $75 max fee
- Same-day wire transfers: 1%, up to $75 max fee
- Fast check (up to 3 business days): $20 flat fee
- Overnight check (requested before 2p.m. ET): $50 flat fee
- Card payments: 2.9% fee
- Instant payments: 1% fee, up to $75 max fee. When paying by card, an additional 2.9% fee will apply.
Delivery speed depends on which payment and delivery method was selected when scheduling the payment. Instant transfers scheduled on weekdays between 2 a.m. and 7 p.m. ET typically arrive within minutes. Fast ACH and card payments arrive on the same day (when scheduled before 2 p.m. ET). When scheduled later, the payment will arrive by the end of the next business day. Fast check is delivered within 3 business days.
Check out this list for information about all transaction time frames.
Each instant transfer is based on eligibility, and payments of over $50K cannot be made instantly.
The payment process at Melio is quick and easy. First, choose the payment method you wish to use (that could be card or ACH bank transfer). Next, choose the debit date, in which the funds are deducted from your account. Then, pick how your vendor wants to receive the payment (including by fast check).
Your vendor will receive an email, which allows them to expedite the payment themselves.
Learn more about how to pay instantly, with fast check, or fast ACH.
Not necessarily. As your security is our priority, fast payments and delivery options vary from account to account and are subject to eligibility factors, including payment amount, payment history, account history, and other parameters.
Yes. Melio offers fast international payment for eligible users. International payments in local currencies typically take 0-1 days to arrive, and fast international payments in USD can take up to 3 days to arrive.
Otherwise, international payments in local currencies typically take 1-3 days to arrive, and fast international payments in USD can take up to 5 days to arrive.
