How to make international payments in USD

  • Updated

Melio users can pay vendors for any business-related purpose in Europe, Asia-Pacific, Latin America, and more. Every week, new locations are added to the list of available countries

With Melio, you can pay global vendors directly, using ACH bank transfer, Mastercard, or Visa credit card as the payment method, and deliver the payment in the form of a wire transfer.

 

This article is relevant for: All subscribers.

 

Note: What’s considered an international payment?

When you pay a vendor located outside of the US and Puerto Rico.

Note: Can I make an international payment in foreign currency?

Yes, you can. Currently, Melio supports international payments in 16 currencies, and we’re constantly working to add more to the list. Learn more about international payments in foreign currencies.

Note: Vendors that have BOTH an international and domestic address.

When you want to make an international payment to a vendor with both a domestic and international address, you’ll need to create two different contacts.

 

How to make an international payment:

1. Sign in to your Melio account. 

2. Go to Pay in the left sidebar. 

3. Create a bill to pay, select a saved bill, or pay without a bill.

4. Select Bank transfer or Credit card as your payment method.

Note: International payments can only be made via ACH bank transfer, with Mastercard or Visa credit card.

International payments are only available when paying via bank transfer, Mastercard or Visa credit card (2.9% fee). Make sure you select a bank account or Credit card as the payment method.

If you choose Debit card as the payment method, the option for making an international payment will be unavailable.

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5. Select International payment as your delivery method.

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Note: Make sure you have your international vendor’s bank info when making a payment.

You won’t be able to request their details via Melio, as you’d do with domestic vendors.

6. Select the country of your vendor’s bank from the dropdown list.

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Note: Unavailable countries.

Some of the countries on the list aren’t yet available for international payments. When you select a country that’s not available, you’ll get a pop-up message that says you can’t continue with the payment.

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7. Add the international payment details. You need your vendor’s SWIFT or IBAN number, bank name, and account number.

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Note: Why can't I edit the payment amount?

The payment amount is derived from the bill. To change it, go back to the bill and edit the amount there.

8. Add your vendor’s business details.

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9. For your first payment or international payment, you’ll need to add some additional information.
If this is your first time making a payment with Melio, enter your business’s legal details. This needs to be done only once. Click Save and pay.

Note: How to enter your legal business info?

If this is your first payment or if we’re missing some details, we’ll ask you to add some or all of your legal details. We do that to ensure compliance and security. It’s impossible to process your payment without it.

See here how to enter your details

Note: Legal details for tax ID SSN or EIN

  • If your tax ID is a SSN (Social Security Number), you’ll need to add your date of birth. Click Continue.

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  • If your tax ID is an EIN (Employer Identification Number), you’ll need to fill in details for every owner of 25% or more of your company or any key decision makers. Click Continue.

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10. Select the purpose of your payment. You can add a description to be more specific.

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11. Select when the payment will be deducted. Click Continue.

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12. (Optional) You can leave a memo for your vendor and add their email address. The default is the invoice number, to make it easier for your vendor to register the payment. Click Continue.

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13. Carefully review the details in the Review & confirm page. You can see this is an international payment in the VENDOR RECEIVE section and the fees.

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14. Click Confirm and schedule payment. 

15. That’s it! Your international payment is on its way. You’ll get an email with the payment details.

You can also notify your vendor that their payment is on the way.

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