When your payment arrives depends on which payment and delivery method was selected when scheduling the payment. To learn more about the payment delivery timelines, please see the information below.
Delivery timelines
Below, you can find a comparison of the delivery timelines of the different payment and delivery methods.
|
Payment method |
Delivery method |
Estimated delivery time |
|
Bank account |
ACH bank transfer |
3 business days Any payments submitted before 9 pm ET / 6 pm PT are processed that day.** |
| Same-day ACH transfer* |
Same business day Any payments submitted before 2 pm ET / 11 am PT are processed that day.** |
|
| Instant ACH transfer* |
Within Minutes Availability: Mon-Fri, 2 a.m. until 7 p.m. ET. |
|
| Wire transfer (domestic payments) |
3 business days Any payments submitted before 9 pm ET / 6 pm PT are processed that day.** |
|
| Same-day Wire transfer (domestic payments)* |
Same business day Any payments submitted before 2 pm ET / 11 am PT are processed that day.** |
|
| Single-use Virtual card (can be selected only by vendor) |
Up to 3 business days |
|
|
Check (USPS) |
5-7 business days |
|
| Fast check (FedEx) | 3 business days | |
| Overnight Check |
1 business day Any payment submitted after 2 pm ET will be processed the next day.** |
|
| International payments |
2-6 business days Any payments submitted before 9 pm ET / 6 pm PT are processed that day.** |
|
|
Card
|
ACH bank transfer |
Same business day Any payments submitted before 2 pm ET / 11 am PT are processed that day.** |
| Instant ACH transfer* |
Within minutes Availability: Mon-Fri, 2 a.m. until 7 p.m. ET. |
|
| Wire transfer (domestic payments) |
Same business day Any payments submitted before 2 pm ET / 11 am PT are processed that day.** |
|
| Check (USPS) | 5-7 business days | |
| Fast check (FedEx) |
3 business days |
|
| Overnight Check |
1 business day Any payment submitted after 12:15 pm ET will be processed the next day.** |
|
| International payments*** |
USD: 4-5 business days Foreign currencies: 1-2 business days Any payments submitted before 2 pm ET / 11 am PT are processed that day.** |
*Each payment is subject to eligibility requirements and limitations. If you don’t see these payment options when making a payment, they are unavailable.
**All payments scheduled after the cutoff time will start processing on the following business day.
*** If you make an international payment via card, it can only be made using Visa or Mastercard.
For a breakdown of the different transaction fees, please see the following.
Things that may affect payment delivery time
- Delivery time may be delayed due to compliance and risk reviews as required by Melio and/or banking partners.
- When choosing your payment deduction date, Federal Holiday dates will be blocked on the Melio calendar. We recommend scheduling payments sooner so they get to your vendor on time during the holidays.
- When submitting a payment to a vendor for the first time, we may need a little extra time to review the payment. Schedule these in advance to avoid any delays.
- If you're sending a vendor a request to fill out their payment delivery details, the estimated delivery time will depend on when they fill out their details.
- Please note that when they receive a payment notification, Vendors can choose to expedite their payments on their end. In such cases, vendors incur the added cost.
- We recommend attaching an invoice whenever possible to prevent compliance delays.
It's easy to track the progress of your payment with the payment progress bar.