Cash flow control + more rewards.
Pay your business bills with your credit card, even where cards aren’t accepted.* Enjoy the rewards and extra float on your business expenses.
Free ACH bank transfers. No subscription fees.
Melio gives you total payment flexibility. Send and receive ACH bank transfers for free or choose a payment method that works best for your business.
Free ACH bank transfers.
No subscription fees.
Melio gives you total payment flexibility. Send and receive ACH bank transfers for free or choose a payment method that works best for your business.
These are the fees. No surprises.
ACH bank transfer
Free
We mail your check
First 2 checks each month through Melio are free.
$1.50
Pay by card
2.9%
Fast ACH bank transfer
Get your vendor paid within 1 business day.
1%
up to $30
Fast check
Get a check to your vendor within 3 business days.
$20
International payments (USD only)
Bank transfer or Mastercard (2.9% fee applies when paying by card)
$20
flat fee
Keep vendors happy.
Avoid late payments with Melio’s fast payment options. Choose fast ACH for same-day delivery or fast check for expedited 3-day delivery.
Free features that come with every Melio account:
Unlimited users
Accounting software sync
Approval workflows
Easy bill capture
Payment tracking & updates
Data & form export
Bills management
Custom payment requests
Accounting software sync.
Melio syncs with QuickBooks, Xero, FreshBooks and Business Central. So you can see invoices in both places, send payment requests easily and auto-reconcile payments.
Approval workflows.
Invite others to your Melio account including your accountant. Set up roles, permissions and approval amounts to stay in control at all times.
More ways to send payments.
Combine payments
Pay multiple bills to the same vendor in a click. This saves you time on paying multiple invoices and keeps it simple for your vendors’ books.
Split bills
Hang onto your cash for longer by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever.
Recurring payments
You can schedule payments in advance. Set this up for monthly bills, seasonal supplies or any business expense that happens more than once.
FAQ
- Create an account with your email, sign in with Google or your Intuit account
- Fill in your company details
- Complete your first payment!
Melio is a free tool with no subscription fees. When you send and receive ACH bank transfers it’s completely free. There are additional fees if you want to pay by card, send an international bank transfer or get a check sent to your vendor. Faster and same-day payments have fees attached as well.
Currently, Melio supports these credit cards:
- American Express
- Visa (with the exception of Visa consumer credit cards)
- Mastercard
- Discover
It’s easy for your vendor to receive payments. After you choose how you want to pay, you decide how they receive that payment. If they want to receive an ACH bank transfer, you need their account number and routing number. If they want a check, you need their mailing address. They don’t need to sign up or pay any fees to accept payments.
