Receive instant payments with your debit card

  • Updated

If you want instant access to your funds, one of the quickest and most secure ways is to use your debit card. You’ll receive the payment directly to your bank account within minutes (for a 1% fee). 

NOTE: Eligibility for instant payment 

Instant payment with your debit card is available based on the eligibility of each payment.


Why use this option?

  • Fast and reliable - Receive payments to your bank account within 30 minutes.
  • Flexible - It works on weekends and holidays.
  • Cost-effective - Vendors pay a 1% fee.
  • Convenient - All you need is your debit card number and cardholder details.

What do I need to know as a vendor?

  • Only the vendor can select this option. (The vendor pays the 1% fee).
  • Only debit cards can be used for instant payments. (Credit cards aren’t supported).
  • The original delivery method must be either ACH bank transfer or check.

NOTE: Original payment method

  • If the original delivery method is ACH bank transfer: Follow the steps and initiate the instant payment before the estimated ACH transfer delivery date.
  • If the original delivery method is a check: The original check is voided but will still arrive at your address. Make sure not to deposit it as it may lead to penalty fees.

How can I get paid instantly with my debit card?

When a customer pays through Melio, eligible vendors will receive an email to accept their payment with the option to get paid instantly. Vendors don’t need to have a Melio account to accept payments. Follow these steps to get paid instantly with your debit card:

1. Locate the email from Melio to accept your payment. The subject line is “Accept your [amount] payment from [X Vendor]” The email includes the payment details including the amount, invoice number, and the estimated payment delivery date.



2. Below Want to get paid instantly? Click GET PAID NOW.



3. Enter your debit card number, card expiration date, and security code.

4. Click LINK MY CARD.



5. Already have a linked debit card with Melio? Click RECEIVE PAYMENT TO THIS CARD, or +Add another debit card



6. Add the cardholder's name, address, city, state, and zip code. 




8. Review and confirm the details, then click CONFIRM & GET PAID INSTANTLY



9. That’s it! Your payment should arrive in the bank account linked to your debit card within 30 minutes.


NOTE: Billing for 1% transaction fee

You’ll receive a separate bill for the 1% fee.



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