What Melio is for
Melio is an accounts-payable tool that lets a business pay its vendors and bills without writing checks by hand or logging into a bank. You schedule payments, choose to pay by bank transfer, card or check, and Melio delivers them, while syncing the records to your accounting software.
A useful trick is paying a vendor by card even when they only accept bank transfer or check, which can help with cash flow and rewards. It suits small businesses that want to streamline how they pay suppliers.
Who it suits, and who it doesn't
It fits US small businesses that pay a regular set of vendors and want bill pay in one place, tied to QuickBooks or Xero. The free plan covers a handful of bank payments a month.
The key limit for our readers: Melio requires a US business and US bank account to send payments. Australian businesses cannot use it as senders, though US businesses can send payments to vendors in Australia. Confirm eligibility before signing up.
How to get started
- 1
Open Melio
Go to Melio through the link and create your account. A US business and US bank account are required to send payments.
- 2
Connect accounting
Link QuickBooks or Xero so bills and payments stay in sync automatically.
- 3
Schedule a payment
Add a vendor, choose how to pay (bank transfer, card or check) and schedule the payment.
The bottom line
Melio is a B2B bill-pay and accounts-payable tool for US businesses: pay vendors and bills by bank transfer, card or check, and schedule and track everything, syncing with QuickBooks and Xero. It has a free plan and paid plans from about US$25/month. Important: Melio requires a US business and US bank account to send payments, so it is US-only for senders.
Frequently asked questions
Is Melio free, and is there a discount code?+
Melio has a free plan that covers a set number of bank payments a month, with paid plans from about US$25/month for more volume and features. It does not publish a standard discount code; card payments and some transfer types carry fees, so check the current fee schedule before relying on it.
Can Australian businesses use Melio?+
Not as senders. Melio requires a US business and US bank account to send payments, so Australian businesses cannot use it to pay their own bills. US businesses can, however, send payments to vendors located in Australia and many other countries.
How much does Melio cost?+
The Go plan is free with a limited number of bank payments a month; paid plans (Core from about US$25/month, then higher tiers) add more free payments and features. Card payments carry a percentage fee and some payment types have per-transaction costs. Confirm the current fees before committing.
Does Melio work with my accounting software?+
Yes, Melio syncs with QuickBooks and Xero so your bills and payments stay reconciled automatically. Confirm your specific setup is supported when you connect your account.