Paying with Melio

  • Updated

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.

The entire process can be summed up in 3 steps:

1. Create a bill or pay without one.

2. Choose how you'd like to pay:

  • ACH bank transfer (free). 
  • Credit card* (2.9% fee) - extend your float and get rewards.
  • Debit card (2.9% fee).

3. Choose how your vendor receives the payment:

  • bank transfer ACH (free).
  • Paper check ($1.50 fee). 
  • Ask your vendor for their preferred delivery method.
  • International payment ($20 fee).

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. You can make a payment without a bill from either:

a. Vendors tab. Add a vendor or select one from the list.

Vendors tab.jpg

  • Paying a vendor without saved bills? Click New Payment.

vendor without a bill- new payment.png

  • Paying a vendor with saved bills? You can pay any amount you want in addition to the saved bills without paying them. To do that:
        • Click the three dots.
        • Select New payment from the dropdown list.

vendor with bills- three dots- New payment.png

b. Click New Payment in the top right corner, and choose Enter bill details manually.

New payment.jpg

2. In Payment amount, fill in the vendor and the amount you want to pay.

Bill details.png

 

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 and line items to break down the invoice total into various items. To add further details click +Advance bill details and follow directions here.

 

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

Note: Still need to connect a payment method?

select a payment method.png

 

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. You'll need to fill in the vendor’s routing number and bank account details.
  • 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).
  • Ask your vendor for their preferred delivery method.
  • International payment ($20 fee). You can also pay a vendor outside the US. This is how to make international payments with Melio.

Note: Paper check fee.

select a delivery method.png

 

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.

select a deduction date.png

 

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 if your vendor's bank enables memos.

add a memo.png

 

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

Review & confirm.png

 

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.

one last thing- legal details.png

 

11. Click Verify and finish to complete the payment.

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

payment scheduled.png

 

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

You’ll return back to the Vendors tab, where you started from.

payments tab- scheduled tab.png

 

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?

Select a payment method.jpg

 

4. Choose how your vendor will receive this payment:

  • Bank transfer (ACH)- takes 3 business days to arrive. You'll need to fill in the vendor’s routing number and bank account details.
  • 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). 
  • Ask your vendor for their preferred delivery method.
  • International payment ($20 fee). You can also pay a vendor outside the US. This is how to make international payments with Melio.

Note: Paper check fee.

select a delivery method.jpg

 

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 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.

select a deduction date.jpg

 

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.

leave a memo for your vendor.png

 

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

confirm the details.jpg

 

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.

one last thing- legal details.png

 

10. Click Complete and save to finish the payment.

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

payment scheduled successfuly.jpg

 

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.

Bills tab- select a bill to pay.png

 

Vendors tab:

1. Go to the Vendors tab.

Vendors tab.jpg

 

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.

select a vendor with multiple bills.jpg

 

After selecting the bill continue to scheduling the payment:

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

Note: Still need to connect a payment method?

Select a payment method.jpg

 

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. You'll need to fill in the vendor’s routing number and bank account details.
  • 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).
  • Ask your vendor for their preferred delivery method.
  • International payment ($20 fee). You can also pay a vendor outside the US. This is how to make international payments with Melio.

Note: Paper check fee.

select a delivery method.jpg

 

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.

select a deduction date.jpg

 

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.

add a memo to the vendor.jpg

 

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

confirm the details.jpg

 

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.

one last thing- legal details.png

 

8. Click Verify and finish to complete the payment.

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

payment scheduled successfuly.jpg

 

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.

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