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Melio

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Accounting & Finance

Free business payment platform — pay vendors by bank transfer or card, get paid by check or bank transfer.

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Pricing

Free

Starting price

Always free

Free trial

N/A — it's free

Best for

SMBs (50–500)

Data verified

Apr 2026

What is Melio?

Melio is a free B2B payments platform that lets small businesses pay vendors by ACH bank transfer or credit card, even if the vendor only accepts checks. Getting paid is also free via bank transfer, with card payment options available. This flexibility lets businesses maximise cash flow by paying with a card (and earning rewards) while vendors receive check or bank transfer payments. Melio integrates with QuickBooks and Xero and is particularly popular with restaurants, contractors, and retail businesses managing cash flow.

Key Features

Pricing

free

Free

Free for ACH bank transfers. Card payments have a 2.9% fee.

See current pricing on Melio

Pricing may have changed. Always verify on the vendor's website.

Who is Melio best for?

Best for

Melio is designed for small to medium-sized businesses.

Pros & Cons

Pros

  • Free to use for bank transfers
  • Pay with credit card earn rewards
  • Vendors receive checks even if you pay by card
  • QuickBooks and Xero integration
  • No monthly fees

Cons

  • 2.9% fee on card payments
  • US-focused
  • Limited to B2B payments — not full AP automation
  • Less powerful than BILL for complex workflows

Frequently Asked Questions

Is Melio free?
Yes, Melio is completely free to use.
What is Melio used for?
Free business payment platform — pay vendors by bank transfer or card, get paid by check or bank transfer.
Who is Melio best for?
Melio is primarily designed for small and medium-sized businesses.

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