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

Pay any business bill with your Capital One Business Spark credit card. Your vendor will receive a check or direct deposit.

Schedule Your First Payment

Keep your cash longer

Defer payments until your next billing cycle and extend float by up to 60 days, depending on your card terms.

Earn now, travel later

Earn points on your business expenses to use for future travel, and elevate your business rewards potential.

Earn unlimited rewards

Earn unlimited cash back or miles on every business purchase.

Limited time offer

Sign up from this page to get a discounted rate of 2.75% for any credit card payment made during the first year after signup.
Subject to Melio’s Terms of Service.

How it works

Add bill details

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

Pay by card or bank

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

Choose payment delivery

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

Schedule Your First Payment

Earn unlimited rewards

Maximize your unlimited cash back or miles with every business purchase using your Spark card.

Pay business bills with a bank transfer for free

Choose which payment methods work best for you. Pay your bills online for FREE with an ACH transfer or debit card. Vendors receive a check or bank deposit.

Easily manage expenses online

Set up, manage and track your bill pay online and from any device using Melio's easy-to-use dashboard.

What our customers say

"Melio is a life saver. Makes payments to vendors quick and efficient. Their user interface is one of the best and easiest to work with I've ever seen. We are truly grateful we found Melio. Highly recommend."

Alejandro Duque
COO, Plei, Inc.

“Melio has been a great solution. It has been very easy to train my clients how to use Melio. With the recent development of the accountant's portal, I can manage all my clients in one spot. I anxiously await any & all new updates!”

Stephanie Mack
Account Mobility

"As a business owner I had nothing but a great experience with Melio. Racking up CC points through my normal course of business, extends my 'Days Payable' even further by using CC for all expenses and the simple user interface makes it easy to get in, pay bills and get out"

John Hackerson
President & Owner, TREECO

Schedule Your First Payment