Paying with Melio

This article is relevant for: All subscribers.

Melio gives you the flexibility to pay vendors exactly the way you want. They’ll get a check or a bank transfer - and don’t even need to sign up.

Note: Making a payment for the first time?

There are a couple of extra steps that only take 3-5 minutes:

• Setting up your preferred payment and delivery methods. 
• Entering your legal business information.

 

How to schedule and make payments:

There are 3 types of payment options:

1. Without a bill.

2. Immediately after adding a bill.

3. For a saved bill.

 

Scheduling a payment without a bill

1. The easiest way is to click + New payment. Regardless of your tab, this button is in the upper right corner.

2. In Bill details, fill in the vendor and amount you want to pay. The payment’s Due date is set for today.

3. Click Continue to pay to continue and schedule the payment now, or click Save and close to keep the bill for future payment.

Note: Adding the bill's details.

Adding the bill’s details isn’t mandatory. But if you have the invoice number and due date it can be useful for reconciliation purposes. You can also add a note to self. To add further details follow the directions here.

4. Select how you want to pay. Click Continue.

Note: Still need to connect a payment method?

• Connect your bank account automatically (recommended) or manually with verification of micro-deposits. 
• Add your credit card.
• Add your debit card.

5. If the vendor’s delivery method isn’t saved, choose how they will receive this payment:

• Bank transfer (ACH)- takes 3 business days to arrive. ($0.5 fee. Depending on your plan). You'll need to fill in the vendor’s routing number and bank account details. Some payments might be eligible for same-day or instant delivery. To see if this payment is eligible and schedule them, select now ACH bank transfer and choose the speed in the next screen.
• Paper check - takes 5-7 business days to arrive ($1.50 fee). There is also a fast check option that takes 3 business days to arrive ($20 fee).
• Let the vendor choose their preferred delivery method.
• USD transfer. You can also pay a vendor outside the US. This is how to make international payments in USD with Melio.

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

Note: What do the different markings mean?

• The payment due date is automatically set to match the deduction date. 
• A suggested deduction date is highlighted in purple but you can select another if you want.
• The estimated payment delivery date is based on the payment and delivery methods, and deduction date you select.
•  Federal holiday dates will be blocked on the Melio calendar. When you try to select the date, it’ll display Federal Bank Holiday.

7. (Optional) You can leave a memo for your vendor. Click Continue. 

Note: What to put in the memo?

• The invoice number is great for reconciliation. You can also add a description of the payment. 
• What will the vendor see? The memo appears in the email notification your vendor receives as well as printed on the check. When delivered via ACH bank transfer, it appears in cases where your vendor's bank enables memos.

8. Carefully review the details in the Review & confirm page.

9. Click Confirm and schedule payment.

10. If this is your first time making a payment with Melio, enter your business’s legal details. This needs to be done only once.

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.

11. Click Save and pay to complete the payment.

Your payment has been scheduled! Melio will send you an email with the payment details.

To view this scheduled payment, go to the Scheduled sub-tab in the Payments tab of your dashboard.

You’ll return to the same tab where you started from. 

Scheduling a payment immediately after adding a bill

1. Create a bill by following these steps.

2. When you’re done entering the bill details, click Save and schedule a payment.

3. Select how you want to pay. Click Continue.

Note: Still need to connect a payment method?

• Connect your bank account automatically (recommended) or manually with verification of micro-deposits. 
• Add your credit card.
• Add your debit card.

4. Choose how your vendor will receive this payment:

• Bank transfer (ACH)- takes 3 business days to arrive. ($0.5 fee. Depending on your plan). You'll need to fill in the vendor’s routing number and bank account details. Some payments might be eligible for same-day or instant delivery. To see if this payment is eligible and schedule them, select now ACH bank transfer and choose the speed in the next screen.
• Paper check - takes 5-7 business days to arrive ($1.50 fee). There is also a fast check option that takes 3 business days to arrive ($20 fee). 
• Let the vendor choose their preferred delivery method.
• USD transfer ($20 fee). You can also pay a vendor outside the US. This is how to make international payments in USD with Melio.

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

Note: What do the different markings mean?

• The payment due date is circled for your convenience.
• A suggested deduction date is highlighted in purple but you can select another if you want.
• The estimated payment delivery date is based on the payment and delivery methods, and deduction date you select.
• Federal holiday dates will be blocked on the Melio calendar. When you try to select the date, it’ll display Federal Bank Holiday.

6. (Optional) You can leave a memo for your vendor. Click Continue. 

Note: What to put in the memo?

• The invoice number is set as the default. You can also add a description of the payment. 
• What will the vendor see? The memo appears in the email notification your vendor receives as well as printed on the check. When delivered via ACH bank transfer, it appears if your vendor's bank enables memos.

7. Carefully review the details in the Review & confirm page.

8. Click Confirm and schedule payment.

9. 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.

10. Click Save and pay to finish the payment.

Your payment has been scheduled! Melio will send you an email with the payment details.

To view this scheduled payment:

Go to the Scheduled sub-tab in the Payments tab of your dashboard.
You’ll return back to the Bills tab, where you started from.

 

Scheduling a payment for a saved bill

You can pay saved bills from either the Bills tab or the Vendors tab. Regardless of how you selected the bill, paying is the same.

Bills Tab:

1. Go to the Bills tab.

2. Select a bill from the list and click Pay.

Vendors tab:

1. Go to the Vendors tab.

2. Select a vendor with bills to pay. 

3. Click Pay balance.

Note: Vendor has more than 1 bill?

When you click Pay balance you can pay multiple bills to the same vendor at once. If you want to pay a specific bill, find it in the Bills tab or

click X bills. You’ll get to the Bills tab, and select the bill you wish to pay.

After selecting the bill, you can proceed to schedule the payment:

1. Select how you want to pay. Click Continue.

Note: Still need to connect a payment method?

• Connect your bank account automatically(recommended) or manually with verification of micro-deposits. 
• Add your credit card.
• Add your debit card.

2. If the delivery method isn’t already saved, choose how your vendor will receive this payment:

• Bank transfer (ACH)- takes 3 business days to arrive. ($0.5 fee. Depending on your plan). You'll need to fill in the vendor’s routing number and bank account details. Some payments might be eligible for same-day or instant delivery. To see if this payment is eligible and schedule them, select now ACH bank transfer and choose the speed in the next screen.
• Paper check - takes 5-7 business days to arrive ($1.50 fee). There is also a fast check option that takes 3 business days to arrive ($20 fee).
• Led the vendor choose their preferred delivery method.
• USD transfer ($20 fee). You can also pay a vendor outside the US. This is how to make international payments with Melio.

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

Note: What do the different markings mean?

• The payment due date is circled for your convenience.
• A suggested deduction date is highlighted purple but you can select another if you want.
• The estimated payment delivery date is based on the payment and delivery methods, and deduction date you select.
• Federal holiday dates will be blocked on the Melio calendar. When you try to select the date, it’ll display Federal Bank Holiday.

4. (Optional) You can add a memo for your vendor. Click Continue. 

Note: What to put in the memo?

• The invoice number is set as the default. You can also add a description of the payment. 
• What will the vendor see? The memo appears in the email notification your vendor receives as well as printed on the check. When delivered via ACH bank transfer, it appears if your vendor's bank enables memos.

5. Carefully review the details in the Review & confirm page.

6. Click Confirm and schedule payment.

7. 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.

8. Click Save and pay to complete the payment.

Your payment has been scheduled! Melio will send you an email with the payment details.

To view this scheduled payment go to the Scheduled sub-tab in the Payments tab of your dashboard.
You’ll return back to the Bills tab or the Vendors tab, where you started from.

*Subject to card network limitations.