Melio is a free service for small businesses. There are no set-up costs or subscription fees.

As a small business, paying your bills shouldn't carry costly fees. That's why Melio doesn't charge for basic services like paying with a bank transfer (ACH) or receiving payment from other businesses. Melio only charges a 2.9% fee for the option to delay payments using your credit card. This fee allows us to fund ACH payments, payment delivery, and receiving payments for free, while also generating revenue for Melio.

Free bank transfers (ACH)

It's completely free to send and receive business-to-business payments using a bank transfer (ACH). Use Melio to pay all your bills with an ACH and you won’t be charged a penny. Melio delivers payment to your recipient for free via check or bank deposit.

Pay your business bills with a credit card

You can use Melio to pay any business bill with a credit card for a 2.9% tax-deductible fee, even where cards are not accepted. Melio delivers payment to your recipient by check or bank deposit for free.

Paying with a credit card lets you defer payment until your next billing cycle, extend float, and even earn card rewards. These combined with the tax-deduction and free payment delivery usually off-set most, if not all, of the fee. Extending your float can help you take advantage of opportunities such as early payment discounts and give your business a financial boost - like a small business loan that's already in your wallet.

Receiving payments is free

Melio delivers payment to your recipient completely free, regardless if it’s bank transfer or a check without them needing to sign up for anything. This also includes requesting and receiving payments through

As always, if you have any questions, we're just a chat window or email away:

- Danielle

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