Melio

Melio is a business payments platform that makes it easy for small businesses to pay their bills and get paid, focusing on improving cash flow and simplifying accounts payable. It's especially popular in the United States for letting businesses pay vendors by bank transfer for free, while offering flexible options that help manage the timing of payments.

Paying bills simply

Melio lets small businesses pay their vendors and bills online from one dashboard, whether the recipient wants a bank transfer or a check. You can schedule payments, set up recurring bills, and keep everything organised, replacing the manual, time-consuming process of writing checks and tracking due dates. Free ACH bank transfers make it cost-effective for everyday payables.

Flexible payment options and cash flow

A key benefit is flexibility that helps cash flow. Melio lets you pay vendors using a credit card even when the vendor doesn't accept cards (Melio pays them by bank transfer or check), which can help you defer cash outflow, earn card rewards, and manage timing. This ability to control when and how money moves is genuinely useful for small businesses juggling cash flow.

Getting paid

Melio also helps businesses get paid by letting them send payment requests and invoices to customers, who can then pay easily online. Bringing both accounts payable and receivable into one simple tool helps small businesses stay on top of the money flowing in and out.

Accounting integration

Melio integrates with accounting software such as QuickBooks, syncing bills and payments so your books stay accurate without double entry. This connection fits Melio neatly into a small business's existing financial workflow and reduces manual bookkeeping.

Who it's for

Melio is ideal for small businesses and their bookkeepers who want a simple, low-cost way to manage bill payments and receivables, improve cash flow, and reduce the manual work of paying vendors. Its free bank transfers and flexible payment options are especially appealing to cost- and cash-flow-conscious operators.

For a small business that wants to streamline paying and getting paid while keeping control of cash flow, Melio is a practical, money-saving payments platform.