What is Melio?

Melio lets you pay vendors using a bank transfer or credit/debit card even if cards are not accepted. Melio will mail a check on your behalf or do a bank transfer to your vendors to make sure they receive the way they want. Signing up takes less than a minute, to get started please click here.

For any questions, please email info@meliopayments.com

Can I pay with any credit card provider? 

Melio currently supports American Express, Visa, Mastercard, Diners and Discover. You can pay using your credit card and Melio will mail a check or do a bank transfer to your vendor on your behalf. If you're interested to pay using another credit card provider, please send us an email to: info@meliopayments.com.

What is Melio's fee?

As oppose to most of our competitors, Melio does not charge a monthly fee. Melio only charges per transaction. We believe in full transparency and simple pricing, for more info please visit our pricing page.

Do I need to inform my vendors that I am using Melio?

No, you don't. Melio mails checks on your behalf or transfer funds to your vendor's bank account (regardless of how you choose to pay). Vendors don't need to sign up to receive funds, they will simply get a check or funds into their bank account (depends on what you prefer).

Why is the credit card fee more expensive than bank transfer? 

The cost of enabling credit card payments is much more expensive for Melio than enabling bank transfers. In order to cover the costs we have for enabling Visa, MasterCard and others we must charge a percentage fee as oppose to a fixed fee that is associated with a bank transfer.

Is it safe to pay through Melio?

Yes! Security is our #1 priority as a payment system. Please visit our security page for more information.

My vendor doesn't accept cards, can I still pay with a credit/debit card?

Yes! Melio lets you pay with with card and will make sure your vendor gets a check in the mail or bank transfer, it is your call how you would like to pay and how you would like your vendor to get paid.

Does Melio work on mobile or desktop?

Both! You can access the Melio payments experience on both your mobile device and desktop computer. Just go to meliopayments.com to make vendor payments, whether you're in your office or on the go.

Can Melio help me pay any vendor?

Yes, Melio supports multiple payment methods so that you could pay how you want and also have your vendors get paid the way they want.

Can I schedule payments ahead of the bill due date?

Yes. Melio enables you to select a future date in which you want the payment to be processed at. No more reminders to pay on time, with Melio you can schedule payments in advance.

What accounting software does Melio support?

Currently Melio supports QuickBooks with future plans to support Xero and Freshbooks. Don't see your accounting software and want us to support it? Please let us know here

Can my business work with Melio?

Melio is designed to serve small businesses in the US. This includes sole proprietorships but does not include agents selling on behalf of any multi-level marketing firms.
Melio is also prohibited from working with any businesses involved with:

  • Internet Gambling
  • The sale of Tobacco, Marijuana, Pharma, or Nutraceuticals
  • Pornography, obscene materials, and sexually-related or “adult” services
  • Weapons, munitions, gunpowder, fireworks, and other explosives
  • Toxic, flammable, and radioactive materials.
What kind of payments can Melio not process?

In accordance with processor, bank and card regulations Melio is not able to process the following types of payments:

  • Payments that are personal in nature
  • Visa cards paying a mortgage
  • Any form of balance transfer (credit card to line of credit or credit card to another credit card)
  • Cash advance transactions (ie credit card to your own account)
  • Payroll transactions (freelance or contracted employees are fine!)
What accounting software does Melio support?

Currently Melio supports QuickBooks with future plans to support Xero and Freshbooks. Don't see your accounting software and want us to support it? Please let us know here

Can I use Melio for payments outside of the US?

Sorry, no. We currently do not support payments outside of the US.

Can I pay with a credit card issued outside of the US? 

Melio currently only supports credit cards issued within the US.

Will the name of my vendor appear on my bank transactions or will it show as Melio?

Your bank transactions will display the vendor you paid. That way you can reconcile your expenses.

What is the payment processing time?

If you choose to mail a check to your vendor, the payment will be delivered between 3 to 5 business days. If you choose bank transfer, it will take between 1 to 3 business days (regardless if you choose to pay using card or bank).

Can I enter invoices that are not paid through Melio (e.g. cash payments)?

Yes. Just take a photo of the invoice and mark it as paid.

Does Melio bulk pay my vendors?

No, we don’t bulk your vendor invoices. We pay each invoice separately for easy reconciliation of payments.

Can I cancel a previously scheduled payment?

You can cancel payments until the day of the scheduled payment.

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Have any questions?
Contact info@meliopayments.com