Melio The simplest Way to Pay Vendors and Contractors
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What is Melio?
Melio is a free, simple and secure digital accounts payable & receivable solution for small businesses in the US. Melio helps small businesses get more control over their finances and improve cash flow month after month.
With one simple-to-use online dashboard that takes just minutes to set up, Melio allows small businesses to transfer and receive payments in a faster, easier, and more cash flow savvy way.
Pay bills and get paid - all in one place
Paying your business bills just got easier than ever
With Melio you can pay most of your company’s bills for free using bank transfers (ACH), or credit card* for a minimal 2.9% fee.
Melio processes your payments and delivers them to your vendors, suppliers and more on your behalf by paper check or bank deposit.
Get paid faster and more securely
Melio lets you create a customized payment link or trackable payment request to share with your customers. Receiving payment is completely free for you and the money transfer is secure.
Your customers can easily respond to payment requests and transfer funds using credit credits or bank transfers. They don’t need to sign up to Melio and you get payments directly to your bank account.
You can create and send trackable payment requests relating to specific invoices and monitor if they have been opened, scheduled, or paid.
Signing up for Melio is free and only takes a few minutes. Get started today.
How does Melio make money?
All about Melio's free payment methods and how we make our revenue.
Melio is a free service for small businesses. There are no set-up costs or subscription fees.
As a small business, paying your bills shouldn't carry costly fees. That's why Melio is free to use when you pay by bank transfer (ACH) or paper check. Receiving payments is also free, plus there's no need for the payee to register an account.
Want to keep your cash flow? Melio offers the option to pay your business bills via credit card* at a low, tax-deductible fee of 2.9%. This is how Melio generates its revenue.
Free bank transfers (ACH)
It's completely free to send and receive business-to-business payments using a bank transfer (ACH). Use Melio to pay all your bills with an ACH and you won’t be charged a penny. Melio delivers payment to your recipient for free via check or bank deposit.
Pay your business bills with a credit card
You can use Melio to pay any business bill with a credit card* for a 2.9% tax-deductible fee, even where cards are not accepted. Melio delivers payment to your recipient by check or bank deposit for free.
Paying with a credit card lets you defer payment until your next billing cycle, extend float, and even earn card rewards. These combined with the tax-deduction and free payment delivery usually off-set most, if not all, of the fee. Extending your float can help you take advantage of opportunities such as early payment discounts and give your business a financial boost - like a small business loan that's already in your wallet.
Receiving payments is free
Melio delivers payment to your recipient completely free, regardless if it's a bank transfer or a check without them needing to sign up for anything. This also includes requesting and receiving payments.
As always, if you have any questions, we're just a chat window or email away:
What countries are open to international payments through Melio?
- Updated
Sending money outside the US is available with Melio.
Use Melio to send payments to vendors located in countries outside of the United States. You can make international payments to vendors located in Asia-pacific, Europe, South America and more. See full list below.
Every country has a different banking network system regulating and verifying transactions between countries.
For example, Canada uses a SWIFT code network to verify transaction details whereas the UK uses the IBAN network.
How do you know which code to use?
That depends on where you’re sending your payment.
Usually, you’ll find the code on the invoice sent by your vendor. Otherwise, ask your vendor for their number.
To learn more about how to make an international payment with Melio, follow this link.