Melio makes it easy to pay your vendors by wire transfer. Funds move directly from your bank account to your vendor's. This delivery method is a good fit for large payments or vendors who specifically request it.
This guide will explain how to pay your vendor using a domestic wire transfer.
To learn more about how wire transfers work and how they differ from ACH transfers, see this Melio blog article.
This guide covers domestic wire transfers only. If you're looking to make an international payment, see our guides on paying internationally in USD or in a foreign currency.
Important: Before proceeding, ensure that your vendor accepts wire transfers.
Wire payments are different from ACH bank transfers and may require different details. When asked, be sure to submit wire transfer details instead of ACH bank transfer details.
Creating your domestic wire transfer payment
1- In your Pay dashboard, select + New payment.
Alternatively, you can start by creating a new bill. To do this, select Create a bill under the Bills tab.
2- On the Bill details page, add the Vendor business name by typing in the search field and selecting from the dropdown, or select + Add new vendor.
3- Fill in the Bill amount, Invoice #, Payment frequency, Invoice date, Due date, and a Note to self.
4- (Optional) Add line items to your bill.
5- (Optional) To attach an invoice, click Select or drop a file to upload an invoice image or file from your device. Review the automatically scanned details and make any necessary edits.
Melio accepts PDF, JPEG, JPG, and PNG files up to 10MB. Upload one invoice per file. The system will scan your invoice and autofill payment details, but always review for accuracy. Use Replace to upload a different file or Cancel to remove it entirely.
6- Select Continue to pay to proceed to payment.
7- On the Pay bill screen, enter all the necessary details until you reach the What your vendor receives section.
8- Choose domestic wire transfer as a delivery method:
To add wire transfer as a delivery method for existing vendors:
a- Use the dropdown menu to choose from saved delivery methods.
b- Select Manage delivery methods.
c- Select + Add another to add a new delivery method.
d- Under More delivery options, select + Add details next to Wire transfer.
e- Enter the banking information and vendor address details. Select the Add button when done.
To edit wire transfer details for existing vendors:
a- Use the dropdown menu to choose from saved delivery methods.
b- Select Manage delivery methods.
c- Select Edit next to Wire transfer.
d- Review and enter the correct banking information and vendor address details.
e- Select Save when done.
To add wire transfer as a delivery method for new vendors:
a- Select the Add delivery method box.
b- Select + Add details next to Wire transfer.
c- Enter the banking information and vendor address details. Select the Add button when done.
9- Under Delivery date, choose when funds will be delivered to your vendor. You can select from the following:
- Same-day domestic wire transfer delivery
- Standard domestic wire transfer delivery
- A custom date for delivery.
After selecting a date, you'll see when the funds will be debited from you, the delivery timeline, and when your vendor will receive the payment.
When selecting Custom date, you may see a Defer debit toggle.
Turning this on delays the debit from your account until closer to the delivery date, while still ensuring your vendor is paid on time. This gives you more control over your cash flow — your money stays in your account longer. Select Apply to confirm your selection.
An additional fee does apply when Defer debit is enabled. To learn more, see our guides on:
10- (Optional) Add a memo to your payment. This will help the vendor understand the purpose of the payment. Memos are displayed to your vendor in their payments notification emails.
11- Review all payment details and applicable fees carefully to ensure accuracy.
12- Select Confirm and pay to schedule your payment.
13- Your payment is now successfully scheduled! From the success screen, you can do the following:
- Download or print your payment summary.
- Select Go to dashboard to return to your main account view.
That's it! You've successfully created and scheduled a vendor payment to be delivered via wire transfer. You can find your new payment in the Payments tab. Your vendor's details are saved, and funds will be delivered according to your selected timeline.