How to make international payments

  • 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 as the payment method, and deliver the payment in the form of a wire transfer.

Note: What’s considered an international payment?

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

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, 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.

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.

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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.

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.

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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 payment on Melio, add your business details including your tax ID number type. Click Continue.

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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