Maximize cash flow with Pay over time.

Tackle cash flow challenges quickly. Cover today’s expenses—and repay at a pace that’s best for you with no hidden fees.

Retailers paying their business bills

How to pay over time:

Step 1

Apply to pay over time.

Apply once–it doesn’t affect your credit score. The process takes a few minutes. 

Step 2

Add a vendor or bill.

Once approved, choose the bill or vendor you wish to pay. Vendors get paid in full, up front.

Step 3

Choose a repayment option.

Repayment plans range from net 30 to 12 monthly installments.

More flexibility.

Enjoy multiple repayment options. Choose Net 30 or up to 12 monthly installments. Plans already include a fixed fee. No hidden costs. Powered by Credit Key.

* Visual is an example only.

A visualization of the repayments schedule for Melio’s pay over time

Get funds when you need them.

Address your cash flow needs quickly. The application process only takes a minute, so you can pay your vendor immediately and keep your business moving forward.

A calendar that shows when the first repayment happens.

Your credit score isn’t affected.

The application process includes a soft credit check. It will not affect your credit score.


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Pay over time doesn’t affect your credit score

More control.

Enjoy full visibility of your repayment status. View exactly what’s been paid and what’s still owed to get a better insight into your cash flow.


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Repayment statuses


Each repayment plan carries a different fee. The total fee varies and is a percentage of the total bill amount, the number of repayments you select, and the results of your application.

The application process takes a few minutes at most to complete. Our financing partner powering Pay over time, Credit Key, will run a soft credit check. Within moments, you’ll know whether you’ve been approved or not. Either way, your credit score will not be affected.

Your first repayment date will be 30 days after the payment is sent to your vendor. From the second repayment onward, your repayments will be deducted every 30 days until fully repaid. Repayments are pulled automatically every month from your bank account.

Melio and Credit Key, our financing partner powering Pay over time, offer different installment repayment terms. The number of installments may vary depending on the payment amount and the results of the application. The fee will also vary depending on the number of repayments chosen. Different bills will carry different repayment options, which include Net 30 and up to 12 monthly installments.

You’ll be required to apply the first time you use Pay over time. Once a business is approved, every eligible bill payment after that can be made in installments. First, choose a bill to pay over time. When asked to select a payment method, click Pay over time. Choose the repayment term you prefer. And that’s it. Your repayments will be deducted automatically from your bank account each month.