Expedite your payment with fast ACH

  • Updated

Ensure your ACH payment gets to vendors almost immediately. Fast ACH is delivered on the same day it’s sent, instead of the regular 3 days for a bank payment.

Payments scheduled until 2 pm ET / 11 am PT are processed that day. Any payments submitted after this time will only start processing the following business day. Learn more about our delivery timeline.

NOTE: Credit card and debit card are not eligible for fast ACH payment.

ACH delivery using a credit or debit card is delivered the same day. So, you can't select it as a payment method for fast ACH.


How to make a faster ACH payment

If the payment is eligible for fast ACH, you’ll have the option to select it when scheduling your payment deduction date:

1. Sign in to your Melio account.

2. Create a bill, pay a saved one, or make a payment without a bill.

3. Choose to pay via bank account when asked how you want to pay. Click Continue.



4. Select Bank transfer (ACH) when asked how your vendor would like to receive the payment.



5. Fill in the vendor’s routing number and bank account number. Click Save bank details.



6. When selecting a date for your payment to be deducted, make sure to check the option Fast (at a 1% fee). Click Continue.

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7. (Optional) Leave a memo to 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.



8. The last step is to confirm and schedule the payment after carefully reviewing the details in the Review & confirm page. Click Confirm and schedule payment to complete the process.

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That’s it! The Melio team will send you an email summarizing the details of this payment. If your account is connected to your QuickBooks, the payment will be synced and marked as paid there too.

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NOTE: Track the status of your fast ACH payment

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