What is Melio?

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 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.

Can I pay with any credit card provider? 

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: info@meliopayments.com.

What are Melio's fees?

Melio doesn't charge a monthly fee, but only per transaction, and only for credit cards. When paying by credit card, a 2.9% processing fee applies to the payment sender.
You can learn more by visiting our pricing page.

Do I need to inform my vendors that I am using Melio?

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).

Why is the credit card fee more expensive than a bank transfer? 

The cost of enabling credit card payments is much more expensive for Melio than using bank transfers. The 2.9% processing fee is used to cover the costs of processing credit cards.

Is it safe to pay through Melio?

Yes, absolutely. Security is our #1 priority.
For more information, please visit our security page.

My vendor doesn't accept cards, can I still pay with a credit card?

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.

Does Melio work on mobile or desktop?

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.

Can Melio help me pay any vendor?

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 bank transfer or credit card - regardless of how they're set up to receive payments.

Can I schedule payments ahead of the bill due date?

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.

Can my business work with Melio?

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:

  • Internet Gambling
  • The sale of Tobacco, Marijuana, Pharma, or Nutraceuticals
  • Pornography, obscene materials, and sexually-related or “adult” services
  • Weapons, munitions, gunpowder, fireworks, and other explosives
  • Toxic, flammable, and radioactive materials.
What kind of payments can Melio not process?

In accordance with processor, bank and card regulations Melio is not able to process the following types of payments:

  • Payments that are personal in nature
  • Visa and American Express credit cards paying any type of debt (mortgage, loans etc)
  • Any form of balance transfer (credit card to line of credit or credit card to another credit card)
  • Cash advance transactions (ie credit card to your own account)
  • Payroll transactions (freelance or contracted employees are fine!)
What accounting software does Melio support?

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 info@meliopayments.com

Can I use Melio for payments outside of the US?

Unfortunately, no. We currently don't support payments outside of the US.

Can I pay with a credit card issued outside of the US? 

Melio currently only supports credit cards issued within the US.

Will the name of my vendor appear on my bank transactions or will it show as Melio?

Your bank transactions will display the vendor you paid. That way you can reconcile your expenses.

What is the payment processing time?

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).

Can I enter invoices that are not paid through Melio (e.g. cash payments)?

Yes. Just take a photo of the invoice, upload it, and mark it as paid.

Does Melio bulk pay my vendors?

No, we don’t bulk your vendor invoices. We pay each invoice separately for easy reconciliation of payments.

Can I cancel a previously scheduled payment?

You can cancel payments right up until the day of the scheduled payment.