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.

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

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.

Earn unlimited rewards

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

paying with a credit 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.

paying with a credit card

Easily manage expenses online

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

paying with a credit card

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