Control your cash flow
Schedule payments in advance and pay with a card—even when vendors don’t accept them. Defer payments to hold onto cash longer and keep cash flow healthy.
Payment solutions for small businesses
Handle your business payments like a pro.
Pay bills, get paid, and stay organized. Melio keeps your business payments simple so you can focus on your passion, not your paperwork.
Trusted by
Modernize the way you pay bills
Move money faster
Send and receive funds with instant transfers, same-day payments, and overnight checks. Vendors get paid on time and you get cash in hand when you need it.
Take your time back
From automated AI-powered bill capture to bulk vendor uploads, Melio cuts out the manual data entry and busywork to keep your payments simple from the start.
Upgrade your invoices
Send polished, branded invoices with custom payment links to get paid faster and track transactions. It’s the end of the lost invoice blues.
Free to use, from day one
No setup fees, no software to download, no tech skills needed. You’re good to go in minutes, with advanced features available as add-ons as your business grows.
Features that will power your small business
Choose how to pay
Pay vendors via bank account or use a credit card to control cash flow. Even if they only accept checks.
Add bills with AI data entry
Drag and drop invoices, capture on mobile, or forward them to a dedicated inbox and we’ll create your new bill.
Send money globally
Pay international vendors and contractors in over 80 countries in a variety of supported currencies.
Schedule payments
Plan ahead to stay in control and on time, without the last minute scramble to meet your deadlines every time.
Set up vendors in seconds
Pay vendors and collect relevant forms with just an email address—your vendor doesn’t even need to sign up.
Manage on the go
Use the Melio mobile app to check activity while getting your coffee or approve a bill from the job site.
Send money fast
When speed matters, choose instant payments, same-day ACH or wire transfers, or overnight checks.
Automate repeat bills
Set it, forget it, and focus on running your business. From rent and utilities, to software subscriptions—all done.
Why business owners choose Melio
Antares Advisors
"In terms of convenience, with Melio we now save three to four hours monthly on global payments over our original method via our bank." Bob Hettel, Founder
FAQ
Yes, actually free. No hidden fees, no “free trial” that automatically bills you later, and no commitments—you don’t even need to add a funding source. Pay bills, get paid, and see if Melio works for your business—on us.
No problem. They don’t need to sign up or change anything. We’ll send them money as a guest however they prefer: check, bank transfer, wire, or single-use virtual card. The payment can be delivered at multiple speeds—even same-day if needed.
Most businesses are up and running in under 10 minutes. Connect your bank account, sync your accounting software, and add a vendor or two—then you’re ready to pay your first bill.
Absolutely. We use bank-level security and never share your account details with vendors or anyone else. Your money and data staying protected is our top priority. Melio is SOC 2 Type II certified and compliant with ISO/IEC 27001:2022, ISO/IEC 27017, and ISO/IEC 27018.
Reach out to our team with anything you need and we will get back to you as quickly as we can. We also have a self-serve help center, and other resources that can provide knowledge support when you need it.
