Pay all your vendors by ACH bank transfer.

Melio provides the simplest way to send & receive business payments online with ACH bank transfers. Melio’s delivery times help you make fast decisions by paying at the speed that’s right for each payment. From same-day ACH, to fast wire transfers and instant payments—the choice is yours.

Melio Payments dashboard showing efficient ACH bank transfers for small businesses
Instant transfers
Pay for things that need to be settled immediately. Vendors receive funds directly to their bank account within minutes.1
Same-day payments
Send same-day ACH  transfers, fast wire transfers, or pay by card. Your vendor receives funds by the end of the day2 and you don’t miss a due date.
Pay in batch
Pay multiple bills at once and pay them by ACH in just a few clicks. Combine several bills to the same vendor into one payment.
Get access to everything Melio has to offer for free.

Unlimited ACH, unlimited users, advanced workflows, and more - free for your first 90 days.

Start now free

Get a $300 gift card when you pay worldwide

Make your first international payment of $1,000+ with Melio during May and receive a $300 gift card. Limited to 100 users - act now!

Terms and conditions applySign up

Why businesses prefer Melio?

Save time.

Whether you are at the office or on the go, Melio offers an efficient tool that replaces the manual process of paying invoices and chasing incoming payments.

Deferring credit card payments to get vendor paid on time but pay off card a month later.
Deferring credit card payments to get vendor paid on time but pay off card a month later.

Maximize efficiency.

Schedule multiple bills at once, add team members and accountants, and sync with QuickBooks, Quickbooks Desktop or Xero to boost your team’s efficiency.

Choose how you pay.

You can choose the payment method that’s best for your business needs–bank transfer or card. Vendors get paid their way, and don’t need to sign up.

Deferring credit card payments to get vendor paid on time but pay off card a month later.
Deferring credit card payments to get vendor paid on time but pay off card a month later.

Gain control.

Manage all your business payments on a single platform. Add team members and set up approval workflows to share the responsibility while staying in control of every payment.

The top choice for over 100,000 business owners.

Billions transacted. Millions of hours saved.

$100B+

Payments processed

15H+

Hours saved monthly (average)

40M+

Bills paid

2M+

Vendors paid

*Based on internal data, user surveys, and company records.

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a bill into many payments

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever—and it’s free.

Make payments across borders.

International payments allow you to pay vendors outside the US in US dollars for goods and services your business needs.

More ways to send payments.

Pay multiple bills together.

Save time on scheduling individual payments. Collate your bills and pay them all at once. You can also combine many bills to the same vendor into one payment.

Split a single bill into more than 1 payment.

Hang onto your cash flow by splitting bills into multiple payments and payment methods. Partial payments give you more flexibility than ever—and it’s free.

Make payments across borders.

International payments allow you to pay vendors outside the US in US dollars for goods and services your business needs.

Additional benefits to help your business grow.

Pay by card

Use Melio to pay business bills with a credit card (2.9% fee) to defer payments, increase cash flow, and earn card rewards.

Get rid of checks

No more writing & sending checks—we handle check delivery for you. Getting paid by business customers? Funds are deposited directly into your bank account.