It depends on which payment and delivery method was selected when scheduling the payment.
Here’s a breakdown of our typical delivery timelines:
| Payment method | Delivery method | Estimated delivery time |
| Bank account | ACH |
3 business days* Payments scheduled until 9 pm ET / 6 pm PT are processed that day.** |
| Fast ACH |
Same business day Payments scheduled until 2 pm ET / 11 am PT are processed that day.** |
|
| Instant transfer | Within minutes | |
| Paper check (USPS) | 5-7 business days | |
| Fast check (FedEx) |
3 business days Payments scheduled until 9 pm ET / 6 pm PT are processed that day.** |
|
| International wire transfer | 4-5 business days | |
|
Card |
ACH |
Same business day Payments scheduled until 2 pm ET / 11 am PT are processed that day.** |
| Instant transfer | Within minutes | |
| Paper check (USPS) | 5-7 business days | |
| Fast check (FedEx) | 3 business days | |
| Mastercard credit card | International wire transfer | 2-3 business days |
Important notes: Processing time
* Bank account to ACH payments exceeding $100,000 are delivered within 4 business days.
** Any payments submitted after this time will only start processing the following business day.
Notes: Things that may affect payment delivery time
- When choosing your payment deduction date, Federal holiday dates will be blocked on the Melio calendar.
- If you're sending a vendor a request to fill out their payment delivery details, the estimated delivery time will depend on when they fill out their details.
- When submitting a payment to a vendor for the first time, we may need a little extra time to review the payment. Schedule these in advance to avoid any delays.
It's easy to track the progress of your payment with the payment progress bar.