Melio is a free & digital alternative to the tedious and expensive bill paying methods many small businesses are still using today. Some people call it a modern accounts payable & receivable tool, but we see it as a 360° payment solution for small businesses.
Melio's bill paying platform is designed to help small businesses pay their bills in ways that free up schedules and extend cash-flow. You can pay your vendors using a bank transfer or credit/debit card - even if cards aren't accepted. That's because Melio transfers the payment to your vendor's bank account or mails them a check on your behalf.
Melio is also great for vendors, suppliers, distributors and everybody receiving business payments. Melio.me is a free & easy way for vendors to set up a simple payment page with a custom URL that they can share with their customers to get paid faster.
Signing up takes less than a minute, you can get started here.
Melio currently supports American Express, Visa, Mastercard and Diners. You can pay using your credit card and Melio will mail a check or complete a bank transfer to your vendor on your behalf. If you're interested in paying using another credit card provider, please send us an email to: email@example.com.
Melio doesn't charge a monthly fee, but only per transaction, and only for credit cards. When paying by credit card, a 2.5% processing fee applies to the payment sender.
You can learn more by visiting our pricing page.
No, you don't. Melio either mails checks on your behalf or transfer funds to your vendor's bank account (regardless of how you choose to pay). Vendors don't need to register to receive funds, they'll simply get a check or a deposit into their bank account (depending on your preference).
The cost of enabling credit card payments is much more expensive for Melio than using bank transfers. The 2.5% processing fee is used to cover the costs of processing credit cards.
Yes, absolutely. Security is our #1 priority.
For more information, please visit our security page.
Yes! Melio enables you pay vendors with a card and ensures your vendor gets a check in the mail or a bank transfer to their account.
Both. You can access the Melio payments experience on both your mobile device and desktop computer. Just go to meliopayments.com and log in to make vendor payments, whether you're in your office or on the go.
Yes, Melio supports a multi-track payment method so you can pay whichever way you want and have your vendors receive payment by bank deposit or paper check. That means you can pay all your vendors by debit card, bank transfer or credit card - regardless of how they're set up to receive payments.
Yes you can, when paying your bill you have the option of selecting a date in the future for the payment's transaction. No more reminders to pay on time, with Melio you can schedule payments in advance.
Melio is designed to serve small businesses in the US. This includes sole proprietorships but does not include agents selling on behalf of any multi-level marketing firms.
Melio is also prohibited from working with any businesses involved with:
In accordance with processor, bank and card regulations Melio is not able to process the following types of payments:
Currently Melio supports QuickBooks with future plans to support Xero and Freshbooks. Have another accounting software you'd like us to support? Let us know at firstname.lastname@example.org
Unfortunately, no. We currently don't support payments outside of the US.
Melio currently only supports credit cards issued within the US.
Your bank transactions will display the vendor you paid. That way you can reconcile your expenses.
If you choose to mail a check to your vendor, the payment will be delivered between 3 to 5 business days. If you choose bank transfer, it'll take 1 to 3 business days (regardless of whether you choose to pay using a card or bank transfer).
Yes. Just take a photo of the invoice, upload it, and mark it as paid.
No, we don’t bulk your vendor invoices. We pay each invoice separately for easy reconciliation of payments.
You can cancel payments right up until the day of the scheduled payment.