When making a payment with Melio, you can choose to pay using a card or a bank account. Your vendor still receives payment however they prefer, so you both have flexibility.
For information on fees for each payment method, see our Pricing page.
Paying with a card
Paying with a card offers several benefits for your business:
- Faster delivery — card payments may offer faster delivery times compared to standard bank transfers. To learn more, see our delivery timelines guide.
- Extend your cash flow — your vendor gets paid on time, while you can defer the actual cash outflow until your next card billing cycle, giving you extra float.
- Earn rewards on every payment — collect points, miles, or cash back on expenses that would usually require a check or bank transfer.
- Meet card spend requirements — putting large, recurring bills like supplier invoices or utilities on your card can help you reach signup bonus thresholds faster.
Paying with a bank account
Paying with a bank account is a cost-effective and secure way to manage your business payments:
- Lower fees — standard bank transfers (ACH) typically have lower fees compared to card payments. See our Pricing page for details.
- Multiple delivery speeds — choose from standard, same-day, or instant ACH depending on how quickly your vendor needs to be paid. To learn more, see our delivery timelines guide.
- Secure transactions — Melio connects to your bank securely, keeping your financial information protected.
- Flexible scheduling — schedule payments in advance so vendors are paid on time while you stay in control of when funds leave your account.
- Direct payment — funds go directly from your bank account to your vendor, with the option to deliver via numerous methods.
To make a payment, see our step-by-step guide. To create a bill, see our guide.