Melio is a free service with no set-up cost or subscription fees.
The only fees we charge are for paying a bill with a credit card, and it's just from the payment sender, not the receiver.

Pay bills for free

It's completely free to send and receive payments using bank transfers (ACH). So you can use Melio to pay your bills and not be charged a penny.

Pay with credit cards for a fee

Paying with a credit card incurs  a 2.9% tax-deductible fee charged after the payment has been successfully completed.  

Cash back rewards, points and miles

The credit card fee, is not only tax-deductible, but is usually off-set by card rewards like cash-back, points and miles. Paying with a credit card also extends your float so you can benefit from early pay discounts without paying early. It's not for every business, but it can be a financial boost, like a small business loan that's already in your wallet.

Receiving payments is free

Melio payments are always received completely free - regardless of how it was paid and whether it's a direct bank payment or a paper check in the mail.

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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