The simplest way to pay vendors & contractors

Pay any invoice with a bank transfer for FREE, or use your credit card to defer payment (2.9% fee). Vendors receive a check or a bank deposit.

Start now free
Melio keeps all your details 100% secure so your sensitive information remains private.

How it works

Add bill details

Take a photo, upload a file, enter details, or connect QuickBooks Online.

Select payment method

Pay with a bank transfer or card, even where cards are not accepted.

Choose payment delivery

Melio sends a check or bank transfer. Recipient doesn’t need a Melio account.

Keep small business
in business

Maximize your cash flow

Pay business bills with your credit card, even where cards are not accepted! Defer payments and hold onto cash longer.

Payment approval workflows

Invite users or your accountant and easily set up their roles and permissions. Control approval of each transaction and stay on top of your cash flow.

Seamless sync with QuickBooks

Log in to your Intuit account to connect QuickBooks for 2-way sync between your bill pay and your accounting.

More ways to send payments

Pay multiple bills  at once

Save time on scheduling each bill individually, select multiple bills and pay them all at once.

Split a bill into many payments

Hang onto your cash flow by splitting bills into multiple payments and payment methods.

Make payments across borders

International payments lets you pay vendors in the UK, Canada and Europe for goods and services.

Pay utilities, phone bills and more in the Melio Network

Access over 7,000 vendors in Melio’s Network - a list of companies like AT&T, Amex, First Progress and more - to pay your bills on time, every time, in a click.
Melio helps me speed up the process of payment delivery and offers the possibility of using a credit card, to have more cash flow for the company.
Stanislav Nikolov
Founder and CEO of SPN EVENTS

Small businesses trust us to simplify their business payments

Reviews 329 • Excellent • 4.6
“Melio has been key to my Accounts Payable functions. They've allowed me to float a ton of expenses while not having to take out loans. Their simple user interface and awesome customer support free up our staff to deal with other problem areas. Well done!״
Mike Scanlan
CEO, CoinMover
“Finally, a simple electronic payment method to streamline bill pay. We're one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.”
Amy Walker
CPA CEO, Walker Agency
"As a business owner I had nothing but a great experience with Melio. Racking up CC points through my normal course of business, extends my 'Days Payable' even further by using CC for all expenses and the simple user interface makes it easy to get in, pay bills and get out"
John Hackerson
President & Owner, TREECO
“Melio has been key to my Accounts Payable functions. They've allowed me to float a ton of expenses while not having to take out loans. Their simple user interface and awesome customer support free up our staff to deal with other problem areas. Well done!״
Mike Scanlan
CEO, CoinMover
“Finally, a simple electronic payment method to streamline bill pay. We're one step closer to getting rid of checks all together! The Melio dashboard takes convenience to the next level.”
Amy Walker
CPA CEO, Walker Agency
"As a business owner I had nothing but a great experience with Melio. Racking up CC points through my normal course of business, extends my 'Days Payable' even further by using CC for all expenses and the simple user interface makes it easy to get in, pay bills and get out"
John Hackerson
President & Owner, TREECO

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