The Smarter Way to Pay Business Bills
Pay any vendor or contractor via Credit Card or ACH—even if they only accept checks. Keep your cash flow flexible and earn rewards on every payment.
Get Started for FreePay by Credit Card
Use your business credit card to pay any bill, even if the vendor doesn't accept cards. You get to hold onto your cash for up to 45 days while your vendor gets paid on time.
Free ACH Payments
Send as many ACH bank transfers as you need for $0. No monthly subscriptions, no hidden fees, and no "per-check" costs. It's truly built for small business scale.
Seamless Sync
Automatically syncs with QuickBooks, Xero, and FreshBooks. Save hours on bookkeeping every week by eliminating manual data entry and double-entry errors.
Why Payables Guide Recommends Melio
For many small businesses, managing cash flow is the hardest part of the job. Melio solves this by giving you total control over how you pay. Whether you want to preserve cash by using a credit card or save money using free ACH, the choice is yours.