Pay with your Spark card even where credit cards aren’t accepted

Pay any business bill with your Spark credit card and your vendor will receive a check or direct deposit.

Maximize your cashflow - extend float until your next billing cycle
Enjoy early payment discounts and avoid late payment penalties
Get unlimited cash back or miles on every business purchase

How it works

how it works

Add bill details

Take a photo, upload a file, enter details or connect QuickBooks online

how it works

Pay by card or bank

Pay with a bank transfer or card, even where cards are not accepted

how it works

Choose payment delivery

Melio sends a check or bank transfer. Recipient doesn’t need a Melio account

"I was shocked how easy it is to get started, this is Awesome! I can't believe I used to print and mail out checks, such a waste of time.”
Zack Muskat
Manager, Hu Kitchen
“Melio has been key to my Accounts Payable functions. They've allowed me to float a ton of expenses while not having to take out loans. Their simple user interface and awesome customer support free up our staff to deal with other problem areas. Well done!״
Mike Scanlan
CEO, CoinMover
“It’s really good, also because we can set days payable, so we can officially have a 30 days payable policy, without me setting calendar reminders.”
Costa Gurevich
Owner, Road Runners Team

Get control of your payments

Manage all your business bills from one place.
Use different payments methods, pay utility bills or even set recurring payments within a few clicks.

paying with a credit card

Seamless sync with QuickBooks

Just log in with your Intuit account. Your upcoming bills and payments will automatically sync between Melio & QuickBooks.

paying with a credit card

Simple user interface

Get up and running in minutes! With Melio’s easy-to-use dashboard you can set-up, manage & track your bill pay online and from any device.

paying with a credit card

Free Account Payables and Receivables

With Melio there are no sign-up or monthly fees.
No transaction fees and no charges to recipients. Pay with a bank transfer for free, or use your credit card to defer payments.