Melio lets you pay business bills with a credit or debit card* (see our fees here) and choose your vendor's preferred delivery method. Learn more about payment delivery timelines in this article.
You can find the associated fees on our Pricing page.
You can defer payment for bills when paying with their credit card, while still ensuring the bills are paid on time.
What is a deferred payment?
When you buy what you need and pay for it later, you can hold on to your cash flow while getting the items you need to do business now.
The potential benefits of paying business bills with a credit card:
- Defer payment until next month (usually with no interest) or repay the balance over time (usually with interest).
- Earn card rewards like cash back, miles, and points on some credit cards.
- Find out about early-pay discounts from your vendors, suppliers, and distributors.
- Increase your cash flow to safely manage unexpected expenses.
- No application is needed. Deferring your payment to the card’s next billing cycle helps you extend your float in a way that's similar to a loan - just without all the paperwork or approval process.
Note: Do you need to connect your card?
Connect your card to your Melio account in a few simple steps.
How to pay with a card
1. Sign in to your Melio account and click Pay in the left sidebar.
2. Create a bill, select one to pay, or make a payment without a bill.
3. When asked to select your payment method, click your credit card.
Note: Paying with a Visa or American Express card?
When paying with a Visa or American Express card, there’s a list of approved industries. You’ll be asked to select the industry of your vendor’s business.
Here’s an example of what the pop-up looks like for Visa payments:
4. Choose how your vendor receives the payment.
Note: International payments
International payments are only available when paying via bank transfer, Mastercard, or Visa credit card (see our fees here). Make sure you select one of these cards as the payment method.
5. Select when you want the payment deducted. Click Continue.
6. (Optional) Add a memo for your vendor. Click Continue.
7. Click Confirm and schedule payment to continue.
8. That's it! Your payment has been scheduled using a credit card. The credit card is now on your account, and you can easily use it for future payments.
* Subject to card network limitations.