Melio is an online accounts payable platform for small businesses. It replaces paper checks and manual bank transfers with a simple dashboard where you can pay bills, track payment status, and manage vendors.
You can pay vendors via ACH bank transfer or credit card—even if the vendor only accepts checks. Melio handles the conversion on the backend.
Paying bills is slow, error-prone, and bad for cash flow when it’s manual. Melio helps you:
- Keep cash longer by paying with a credit card
- Reduce admin work around checks and approvals
- Avoid vendor friction by paying them how they prefer
It’s especially useful for small teams without a dedicated finance department.
You connect your bank account (and optionally a credit card), add vendors, and schedule payments. Melio pulls bills from integrations like QuickBooks or lets you upload them manually.
Payments are sent as ACH transfers or checks, while credit card payments are charged to your card and delivered to the vendor as ACH or check.
