Yes. With Melio, you can pay vendors, contractors, or even invoices by card—all from one simple dashboard. Whether it’s bills, vendor payments, or contractor fees, Melio charges your card and delivers the funds to your recipient, even if they don’t accept cards.
Pay any vendor or contractor worldwide with your card.
Use your card to pay vendors and contractors—even where they don’t accept them.1 Extend your cash flow, defer payments, and rack up rewards along the way.
Card savings calculator
Discover how much money you can save by using your card. Offset the card transaction fee with cashback, early payment discounts, and tax benefits. You can also use your card to pay for large or unexpected expenses and keep more cash on hand. Please note that the potential savings displayed are for educational purposes and are not guaranteed. Consult with your tax advisor and your card issuer’s rules to determine actual savings.
How much money can you save?
The amount due for the invoice prior to fees.
There’s a 2.9% fee for card payments at Melio.
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Some cards offer cashback rewards. Check rates with your card issuer.
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Businesses may be able to deduct card fees. Consult with your tax advisor to confirm that this expense is qualified for a tax deduction and the rate at which you can deduct.
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Some vendors offer early payment discounts. This amount is set by your vendors and may not be applicable to all bills.
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Potential savings:
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Why you should pay vendors and contractors with your card
Hold onto your cash for longer, earn more rewards, and send payments either locally or internationally.
Increase your cash flow
When you pay by card, your vendors get paid the same day2, and you postpone paying until your next billing cycle. This way, you get to hold onto your cash longer and use it for whatever your business needs right now.
Rack up rewards
Collect more of the card rewards that you love—cash back, airplane miles, front row tickets, Michelin-star meals, or whatever else you choose.
Pay internationally
Whether your vendors are local or international, you can pay them with your Mastercard or Visa3, in USD or in their local currency, while enjoying the benefits of paying by card.
Vendors get paid their way
Pay vendors and contractors by card, even if they don’t accept them. They still get paid the way they choose—by ACH or wire transfer, check, single-use virtual card, or even instantly.4
How to pay by card
Step 1
Sign in and click Pay.
Step 2
Create or select a bill.
Step 3
Choose card as the payment method.
Step 4
Pick your delivery method.
Step 5
Select your deduction date.
Step 6
Review and confirm your payment.
How to pay by card
Pay day-to-day expenses with your card
Contractors & freelancers
Pay contractors and freelancers by card. Get them paid when they need it and hold on to the cash you need for longer.
Marketing & advertising
Use your card to cover Google Ads, advertising agencies, and other marketing costs, and earn rewards while you grow.
Rent or lease
Pay rent or lease expenses by card—even if your landlord doesn’t accept them. Stay flexible and keep more cash on hand.
Everyday business expenses
From vendors to subscriptions, cover everyday business expenses with your card. Streamline payments while you earn rewards.
Utilities
Stay powered up by paying your business utility bills by card. Electricity, internet, water, and more—all handled in one place.
International payments
Pay vendors across borders using just your card. Pay in either USD or local currencies at competitive exchange rates.
Pay by card to boost cash flow
QBench
“Waiting 60 days to pay a bill is actually quite meaningful for us, given how fast our sales cycle is. We’re likely to produce more cash in the next 60 days, so it’s a form of short-term financing." Trevor Ewen, Chief Operating Officer
Itinerary Boss
“Melio is the bridge that allows me to use my business credit cards for expenses, even when the vendor only accepts bank transfers. Not using a card is just leaving money on the table.” Ross Alcorn, CEO
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FAQ
Choosing to pay vendors or contractors with your card offers several advantages:
- Extend your float and maximize your cash flow.
- Earn valuable rewards like cash back, airline miles, or points on every payment.
- Streamline how you pay invoices without extra paperwork or approvals.
Melio supports all major card networks, including American Express, Visa, Mastercard, and Discover—so you can use your preferred card for vendor or contractor payments.
Absolutely. Melio makes it possible to pay vendors with your card, even if your vendor only accepts ACH or checks. We process the card payment on your end, then your vendor receives the funds their way. The same goes if you need to pay contractors with a card—they get ACH or check payments, while you still enjoy your card’s perks.
You can use your available card limit to pay vendors or invoices with a card, whether it’s a small bill or a large contractor project. As long as your card has a sufficient limit, Melio can process the payment.
Making consistent, timely payments helps build your business credit profile. Just like any credit usage, paying down balances on time strengthens your score, while carrying high balances could hurt it.
Melio charges a fee when you pay vendors or contractors with a card. There are no setup costs or hidden charges. For our current rates, visit our pricing page.
When you pay vendors or contractors by card with Melio, funds can be received as soon as the same business day.2 Your card is charged right away, while your vendor or contractor receives the payment shortly after.
No. If you pay vendors or contractors by card, they never pay extra fees. They simply receive the money via ACH bank transfer or paper check, just as if you’d paid them directly.
Unlock special credit card rates.
Businesses with a credit line of $100K+ may qualify for significant savings when paying by card. Want to see if this applies to you? Take a moment to fill out this form and explore how much you could save.
$100 in credits on card fees with Mastercard!
Add an eligible Mastercard to Melio and use it for the first time to save $100 in card fees automatically. Subject to terms.
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