Your Bills Are Due Before Your Invoices Get Paid
You pay vendors on net 15. Your customers pay you on net 45. Every month you fund that gap yourself — and pay the bank for the privilege.
● 30 days of free ACH payments — no card needed.
No credit card to start. Your vendors don't need an account.
Paying a Bill Shouldn't Take Six Steps and a Cheque Book
Most accounts payable isn't hard, just slow and manual — and every manual step is somewhere a payment gets delayed, duplicated or forgotten.
Fix the Whole Flow →Six Ways Paying Bills Costs More Than the Bills
Your vendor terms are net 15. Your customers pay net 45. That thirty-day hole is filled from your own working capital, every single month.
Printing, signing and posting cheques costs staff time and postage, and you have no idea when it landed until it clears.
The invoice can't be paid because the one person who signs off is travelling. Late fees are effectively a tax on that bottleneck.
When a payment is queried months later, the trail is a forwarded email chain — if it exists at all.
Every payment gets recorded twice: once when you pay it, once when someone types it into the books. Two chances to get it wrong.
Late payments cost more than fees. They cost priority with the suppliers you'll need a favour from next quarter.
Pay Vendors Free by Bank Transfer — or by Card When Cash Is Tight
Meliohandles accounts payable for small businesses. Bank transfers are free, approvals are routed rather than chased, and payments sync back into your accounting. The part most owners care about: you can pay by card even when a vendor doesn't accept cards — they still receive a normal bank deposit, and your cash stays put until the card bill lands.
Built for Businesses Whose Bills Don't Wait for Their Invoices
Anyone paying a regular set of vendors, contractors and recurring bills without a finance team.
Paying freelancers and subcontractors on time while waiting on client payment terms.
Suppliers and manufacturers who need paying before the stock has sold through.
Subcontractors and material suppliers, where a late payment costs you the next crew.
Firms whose own invoices settle slowly but whose bills don't wait.
Managing accounts payable across several clients from one place.
Five Steps, and Your Vendor Doesn't Need an Account
Upload an invoice, forward it by email, or sync from your accounting software.
Route each bill to the right approver so nothing waits on one busy person.
Free bank transfer, or card when you'd rather keep the cash a while longer.
They receive a bank deposit or cheque — they don't need a Melio account.
The payment syncs back to accounting instead of being typed in again.
Paying by card to hold onto cash is not free — card payments carry a percentage fee, so you're buying time and paying for it. That's often worth it when the alternative is an overdraft or a late payment, and rarely worth it when the cash is sitting there anyway. Bank transfers are the free option and should be your default. Melio is also aimed at US business payments; if most of your vendors are overseas, check coverage and rates before you commit. Confirm all current fees on Melio's own pricing page.
Stop Funding the Gap Out of Your Own Pocket
Pay this month's bills by free bank transfer, or put them on a card and keep your cash until your customers actually pay you. 30 days free, no credit card to start.
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