What can you pay with Melio?

  • Updated

Melio is a free, simple, and secure way for businesses to pay their bills and get paid by other businesses. It is designed for the needs of small businesses. With Melio you have more control over your finances.

Paying your business bills with Melio is easy. In just a few clicks, you can pay business utility bills, vendors, contractors, and even rent. However, there are some bills you can’t pay with Melio.

The most important thing to remember is that both entities must be businesses. Meaning you can only pay other businesses with Melio.


Here are some guidelines to help you save time by filtering out the type of bills Melio doesn’t process:

Business bills you CAN pay with Melio:

Any B2B (business to business) payment like:

  • Rent (when your landlord is a business not an individual)

  • Taxes

  • Utilities

  • SaaS & app-based expenses

  • Franchising and operating expenses

  • Legal expenses

  • Accounting & bookkeeping expenses

  • Freelancers/contractors

  • Inventory, raw materials, and supplies

  • Professional services

  • Maintenance services

  • Donations

  • Employee reimbursements

  • Credit card debt (not with a credit card)

  • Loan payments (not with a credit card)

  • Mortgage payments (not with a credit card)

  • Pre-payments (only with ACH bank transfer)


Bills you CAN’T pay with Melio:

  • Personal payments (i.e. payments for a non-business entity)

  • Card network specific restrictions

  • Payments from prepaid cards

  • Balance transfers (paying a credit card balance with a different credit card)

  • Cash advances: payments from a credit card to a business owner; to the business from its owner; to another entity in which the cardholder controls or has interests). This is also extended to household members and relations.

  • Payroll transactions (though freelancers and contractors are supported).

  • Pharmaceuticals, including for animals

  • Flammables

  • Explosives


See here for more examples.

For further information please refer to Melio's term of service.

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