Get paid. On time. Always.

Streamline your AR on a single platform and empower your business customers with a simple, free digital payment experience.

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

How it works

Add your invoice

Sync with your accounting software or add invoices manually in a few clicks

Issue a payment request

Send your customers branded payment requests with a built-in pay button

Get paid seamlessly

Your receivables are automatically reconciled on your accounting software

Getting paid
should be easy

Accept payments online

No more waiting for checks, no more depositing checks. Just direct payments to your bank account.

Your customers will love it

A simple interface and a choice between payment methods make Melio’s solution popular with SMBs.

Automatic reconciliation

Incoming payments are instantly associated with the relevant invoice from your accounting software.

Maximize control, minimize busywork

Track and manage all your invoices and payment requests from any device on a single platform.

AR built for your business needs

Timeline
Now you can see every stage of your invoice’s lifecycle - from the minute it’s generated until it’s paid.
Free for sender and receiver
ACH transfers and debit card payments are free and there are no subscription or setup fees.
Reduce your DSO
Offer discounts for early bird payments and strengthen your bond with customers (coming soon).
Accept credit cards*
Choose if you or your customers cover the 2.9% tax-deductible fee on credit card payments.
Advanced branding options
Customize your invoices and payment requests with your brand assets for a professional feel.
Safe, secure, and compliant
Melio eliminates risk associated with money transfers and payments so you don’t have to worry about it.

Businesses across the country trust Melio with their AR

Reviews 329 • Excellent • 4.6
"We use Melio to enable customers the choice to pay us using credit card, ach or check - and received directly to our bank account.  This gives our customers more choice, and saves us time and 100's of dollars in credit card merchant and other transaction fees."
Daniel Lee
Director, East Coast Office Motherlines
“Melio helps my company be more successful. Plain and simple. It’s been a money saver and it’s been a time saver. Melio, for me, is a company that is very much synergistic with how Thaxton & Associates does business. They really listen to the types of needs that we actually have and they start implementing.”
Michael T. Thaxton
Founder and President
“Melio gives you many options to have a good look at cash flow because you’re seeing what’s going out and what’s coming in and you get immediate feedback when a bill is paid."
Ryan Looper
Director, De Maison East
"We use Melio to enable customers the choice to pay us using credit card, ach or check - and received directly to our bank account.  This gives our customers more choice, and saves us time and 100's of dollars in credit card merchant and other transaction fees."
Daniel Lee
Director, East Coast Office Motherlines
“Melio helps my company be more successful. Plain and simple. It’s been a money saver and it’s been a time saver. Melio, for me, is a company that is very much synergistic with how Thaxton & Associates does business. They really listen to the types of needs that we actually have and they start implementing.”
Michael T. Thaxton
Founder and President
“Melio gives you many options to have a good look at cash flow because you’re seeing what’s going out and what’s coming in and you get immediate feedback when a bill is paid."
Ryan Looper
Director, De Maison East