Melio enables small businesses to pay bills with a credit card* (for a low, tax-deductible 2.9% fee) and delivers the payment as a bank transfer or paper check. That way, SMBs can defer payment for bills while still getting them paid on time.

What is a deferred payment?

Deferring payment is when you make a purchase and pay for that purchase later on. This allows businesses to hold on to their cash flow, while getting the items they need to do business now.

The benefits of paying business bills with a credit card:

  • Defer payment until next month with no interest or repay the balance more gradually over time (with interest).

  • Earn card rewards like cash back, miles and points.

  • Get early-pay discounts from your vendors, suppliers and distributors.

  • Increase your cash flow to safely manage unexpected expenses.

  • No application needed. Unlike applying for loans, leveraging your credit card billing cycle and existing credit line help you get instant float without needing to fill out forms and wait for approval.

By paying with a credit card and delaying when those funds leave your account, you're essentially extending your float in a way that's similar to a small business loan, but without all the paperwork or approval process.

How to pay bills with a credit card

Using your credit card to pay with Melio is simple. 

  1. Log in to your Melio account.

  2. Add a bill or select an existing bill from your dashboard.

  3. Select "credit card" as the payment method.

  4. Link your card by entering the details.

  5. Schedule when payment will be deducted from you and delivered to your vendor.

  6. Choose whether your vendor receives a bank transfer or a paper check.

Note: the 2.9% fee is billed separately.

A payment summary for the transaction and for the 2.9% fee will arrive to your email inbox shortly after completing the payment.

*Subject to card network limitations.

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