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 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 and Xero. 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.
These are the fees. No surprises.
ACH bank transfer
Free
We mail your check
$1.50
Pay by card
Have a high credit line? Apply for special rates.
2.9%
Instant transfer
Your vendor receives payment within minutes.1
1% Up to $50
Fast ACH bank transfer
Get your vendor paid by the end of the day.2
1% up to $30
Fast check
Get a check to your vendor within 3 business days.3
$20
International payments (USD only)
A 2.9% fee applies when paying by card.4
$20 flat fee
Cash flow control + more rewards.
Pay your business bills with your credit card, even where cards aren’t accepted.5 You can enjoy the rewards and extra float on your business expenses.
Keep vendors happy.
Avoid late payments with Melio’s fast payment options. Choose instant transfer, same-day bank transfer, or fast check for expedited 3-day delivery.
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 accountwith 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 cards4:
- 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.
