Save hours paying bills
and improve your cash flow.
Save hours paying bills and improve your cash flow.
Automate workflows, streamline payments, and eliminate manual tasks—all on one single platform, tailored to your business needs.
Go
Pay vendors and contractors any way you want.
-
5 free ACH/month
ACH payments. After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
Core
Most popularSave time with batch actions and accounting sync.
-
20 free ACH/month
ACH payments. After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- QuickBooks Online sync
- Xero sync
- Batch payments
- Approval workflows
-
W-9 collection
Contractor W-9 collection & TIN validation.
-
1099 automation
Sync with Tax1099 for easy 1099 e-filing.
- Dedicated bills inbox
- Priority chat support
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Boost
Unlock advanced automations, custom controls and approvals.
-
50 free ACH/month
ACH payments. After all free monthly payments have been used, a $0.50 charge will be applied to each payment.
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- QuickBooks Online sync
- Xero sync
- Batch payments
- Approval workflows
-
W-9 collection
Contractor W-9 collection & TIN validation.
-
1099 automation
Sync with Tax1099 for easy 1099 e-filing.
- Dedicated bills inbox
- Priority chat support
- Advanced user roles
-
Custom approval workflows
Vendor-based and gradual approvals.
- Set classes & locations
- QuickBooks Desktop sync
- Premium phone support
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Unlimited
Unlimited free ACH payments and unlimited seats.
Billed annually
- Unlimited free ACH/month
- Pay by ACH, wire, or check
- Fast/Instant payments
- Set auto-pay
-
Pay any bill by card
Pay vendors with your credit/debit card, even where cards are not accepted. Subject to card network limitations.
- AI bill capture
-
Pay internationally
Pay in USD or local currencies.
- QuickBooks Online sync
- Xero sync
- Batch payments
- Approval workflows
-
W-9 collection
Contractor W-9 collection & TIN validation.
-
1099 automation
Sync with Tax1099 for easy 1099 e-filing.
- Dedicated bills inbox
- Priority chat support
- Advanced user roles
-
Custom approval workflows
Vendor-based and gradual approvals.
- Set classes & locations
- QuickBooks Desktop sync
- Premium phone support
- Unlimited user seats
- Dedicated account manager
- White-glove onboarding
- Free AR & Invoicing
- Create invoices
- Get paid by card or bank
- Create payment links
- Create branded invoices
Platinum
Preferred pricing and terms for high-volume businesses. Learn more
Always stay ahead with faster payments.
From instant to same-day transfers, fast checks, and more—Melio’s got you covered. Avoid late payments, close time-sensitive deals, and replace cash on delivery.
Compare plans:
All transaction fees:
Payment method
Receiving method
Fee
Bank account
ACH bank transfer
Check
Fast check
Overnight check1
Instant bank transfer2
Same-day ACH transfer3
Wire transfer
Same-day wire transfer4
$0.50
$1.5
$20
$50
1% ($75 max fee)
1% ($75 max fee)
$10
1% ($100 max fee)
Credit/debit card
Have a high credit line? Apply for special rates.
Same-day ACH transfer
Check
Fast check
Overnight check
Instant bank transfer
Same-day wire transfer
2.9%
2.9%
2.9% + $20
2.9% + $50
2.9% +1% ($75 max)
2.9% + $10
Global payments by ACH
USD
Local currency
$20 Flat fee
Conversion rates apply
Global payments by card
Only Visa and Mastercard are available.
USD
Local currency
2.9% + $20
2.9% + Conversion rates
Pay over time5
Bank account only
Bank transfer or check
Starting at 2.5%
Payment method
Receiving method
Fee
Bank account
ACH bank transfer
FREE for now6
Credit card
ACH bank transfer
2.9%
Fee can be covered by either you or your customers
Payment method
Receiving method
Fee
Instant payment to debit card
1%
Instant payment to bank account
1%
Same-day ACH transfer
1%
Single-use virtual card
$0
You only pay your regular POS processing fees
We’re proud of our customers’ success.
“Melio allows me to have more control over my finances which is a big deal.” Sarah Hauser, Owner
“The amount of time that Melio saves me is invaluable. It gives me more time to spend with the customers.” Jenny Hernandez, Co-founder
“In an ideal world, there would be no checks. All we would do is just get payments through Melio." André Tamers, Founder
Spend more on your card, enjoy special rates.
Tens of thousands of businesses are using Melio to pay by card, even where cards are not accepted,1 to improve cash flow and collect card rewards, bonuses, and benefits. If your business card’s credit line is $100K or more, you may be eligible for a special rate at Melio.
Please fill out this short form and our team will contact you to find the plan that best suits you.
1Subject to card network limitations
By submitting this information you are accepting our Privacy Policy
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Apply for Melio Platinum
Please take a few minutes to fill out this form and our team will be in touch about building a plan that suits your needs, pending eligibility.
By submitting this information you are accepting our Privacy Policy
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
YOUR PRIVACY RIGHTS.
Do Not Sell Or Share My Personal Information.
To submit a request to opt out of sale/sharing of your personal information, please submit the form below.
If you are a resident of California, you have the right to opt-out of the selling or sharing of your personal information. To exercise this right, please provide your State and Country of residency. Please note that when you submit an opt-out we do not know who you are within our systems, and your opt-out will apply only to information collected from tracking technologies on the specific browser from which you opt-out. If you delete or reset your cookies, or use a different browser or device, you will need to reconfigure your settings. If you want the opt-out to apply to information we have about you in our systems, such as your email address, please also provide your full name, email address, and phone number. Any information you provide below will not be used, disclosed, or retained for any purpose other than processing the request to opt-out of sale/sharing.
You can learn more about your rights in our Privacy Policy.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Use Melio to complete your first business payment of $250 or more by April 30, 2025, and get a $50 Gift Card* as a thank-you from us.