Melio
Pay & get paid: Easy bill paying service for businesses.
Overview
Melio is an accounts payable and receivable solution designed to simplify payments for small businesses in the US. It allows businesses to pay their bills via bank transfer for free, or by credit card (for a fee) even if the vendor only accepts checks. Melio handles sending the payment to the vendor via their preferred method (ACH or paper check).
✨ Key Features
- Free ACH bank transfers
- Pay vendors by credit card
- Vendor payment via ACH or mailed check
- Bill capture from photo or upload
- Payment scheduling and approval workflows
- Accounts Receivable invoicing
- International Payments
🎯 Key Differentiators
- Free to pay via ACH
- Ability to pay by credit card even if vendor doesn't accept it
- Simplicity and ease of use for small businesses
Unique Value: Provides a simple and free way for small businesses to manage and pay their bills, improving cash flow and saving time.
🎯 Use Cases (4)
✅ Best For
- Simplifying and digitizing the process of paying business bills
- Extending cash flow by deferring payments using a credit card
💡 Check With Vendor
Verify these considerations match your specific requirements:
- Businesses outside the United States
- Companies needing complex, multi-step approval workflows
🏆 Alternatives
Significantly more affordable than competitors like Bill.com for core bill pay functionality.
💻 Platforms
🔌 Integrations
🛟 Support Options
- ✓ Email Support
- ✓ Live Chat
🔒 Compliance & Security
💰 Pricing
Free tier: Free to sign up, no monthly fees. Free ACH payments.
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