A mobile app for your business payments
A faster way to accept payments online.
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How it works
Choose a vendor.
You can also scan a bill directly from your phone.
Send a request.
Invoices are sent in an email with a built-in pay button.
Get paid.
Your customers choose how they pay and you receive it directly to your bank account.
Getting paid, made easy.
Connect with your accounting software.
Sync with QuickBooks Online, QuickBooks Desktop, and Xero. We’ll instantly match all incoming payments with invoices so they’re automatically reconciled.
Maximize control, minimize back office work.
Save valuable time on admin work. Track and manage all your payment requests from any device, on a single platform.
Give your customers payment flexibility.
Let them choose how to pay you—by card or ACH bank transfer. It takes just a few clicks to make a payment and they don’t even need to sign up!
Features built for businesses just like yours.
Add your own branding to your bills.
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Accept credit card payments at a low fee.
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Track every payment.
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Simplify reconciliation.
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Personalized payment page link.
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Full payment protection.
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Create a link to get paid faster.
Send your business customers your link so they can pay you anytime in just a few clicks. They get flexible payment options and you get paid directly to your bank account.
Learn more“We get quick clarity on our cash flow by using Melio. It's one of the most important tools we use daily and has been invaluable for us as a startup.”
Ryan Looper, Director
Read story ›A mobile app for your business payments
Pay vendors
on the go.
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Business payments, at your fingertips.
Choose a vendor.
You can also scan a bill directly from your phone.
Select payment methods.
Pay by ACH bank transfer or card—your choice. Vendors get paid their way.
Pick delivery speed.
Expedite payment by choosing fast check or fast ACH.
Getting paid, made easy.
Simplify your payment process.
Standing right in front of your vendor? Simply pay them with a tap, and keep that relationship strong.
Learn more
Pay however you want, wherever you are.
Choose how to pay–ACH bank transfer or card–and do it from wherever you are. On your commute or traveling? You can simply pay vendors and track everything from your phone.
Improve your workflow.
Easily approve or decline payments from your phone. Receive payment reminders about payments that require approval so there are no bottlenecks in the process.
The Melio app makes it easier to pay your vendors.
Track payments
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Secure login
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No more checks
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Fast ACH
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Swipe to approve
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Search, sort & filter
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FAQ
A mobile app for your business payments
Introduce your business to ACH payment processing.
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Easily send & receive ACH bank transfers:
Connect bank account
You can either connect instantly via Plaid or with micro-deposits.
Choose how to pay
Choose a bank account as your payment method—no matter how your vendor wants to get paid.
Get paid your way
Your business customers pay however they want. You get funds directly to your bank account.
The benefits of online ACH payments.
Your details stay secure.
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Money arrives quickly.
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Cost-effective payment method.
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Raising the bar for bank transfers.
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How ACH works
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Visit our blog to learn moreHow fast will my payment arrive?
Instant transfer
Businesses can initiate an instant transfer to either pay or get paid within minutes.2
Same-day ACH
Initiated before 2 p.m. ET, same-day transfers arrive by the end of the business day.4
Regular ACH bank transfer
When scheduled before 9 p.m. ET, payments arrive within 3 business days.
More ways to utilize ACH transfers.
Pay in batch.
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Split bills into more than 1 payment.
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Set up recurring payments.
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