Melio Payments 2026 — Free ACH Payments for Small Business | Start in 60 Seconds
Stop Paying Monthly Fees
to Send Your Own Money
Melio lets you pay vendors by ACH, check, or card — completely free for standard transfers. Syncs live with QuickBooks & Xero. Start in under 60 seconds.
Featured & Trusted By
⚡ Right now: 47 businesses signed up in the last 3 hours.
Why Melio Wins
Everything You Need to Pay Vendors.
Nothing You Don't.
Built for small businesses that want power without the price tag. Here's what makes Melio different.
Free ACH Transfers
Send money to any vendor via ACH bank transfer with zero fees. No monthly plan. No per-transaction cost. Just free.
$0 AlwaysQuickBooks & Xero Sync
Bills pull in automatically, payments push back as "paid." Your books stay clean without manual entry or duplicate work.
Native IntegrationPay by Card, Deliver by Check
Float payments on your credit card and deliver a physical check to vendors. Earn rewards while managing cash flow.
Cash Flow ToolMelio Mails Checks for You
No printing, no stamps, no trips to the mailbox. Schedule a check payment and Melio handles the entire delivery process.
Hands-FreeScheduled & Recurring Payments
Set it once and forget it. Schedule recurring vendor payments and never miss a due date or late fee again.
Auto-PilotBank-Level Security
SOC 2 compliant, 256-bit SSL, two-factor authentication, and FDIC-insured accounts through partner banks.
Enterprise GradeSimple Setup
Live in 4 Steps. Done in 60 Seconds.
Connect Your Bank
Link your existing business bank account or debit card. No new account needed.
Add Your Vendors
Enter vendor details manually or sync directly from QuickBooks or Xero.
Schedule Payment
Choose ACH, check, or card. Set the date. Melio handles the rest.
Books Update Instantly
Payment status syncs back to QuickBooks or Xero automatically. Done.
⏳ This Exclusive Offer Expires In
Free onboarding support ends when the timer hits zero
Side-by-Side Comparison
Melio vs The Competition
See exactly why 500,000+ businesses chose Melio over expensive alternatives.
| Feature | Melio ✦ | Bill.com | Plastiq | Stripe ACH |
|---|---|---|---|---|
| Monthly Fee | $0 Free | $45–$79/user | $0 + txn fees | $0 + setup |
| ACH Transfer Fee | $0 Always | Free (with plan) | 2.9%+ | 0.8% per txn |
| Check Delivery | ✓ Free | ✓ Included | ✗ Not available | ✗ Not available |
| QuickBooks Sync | ✓ Native | ✓ Native | ✗ Limited | ✗ Manual |
| Xero Integration | ✓ Native | ✗ Limited | ✗ No | ✗ No |
| Credit Card → Check | ✓ Yes | ✓ Yes | ✓ Yes | ✗ No |
| Setup Time | 60 seconds | 30–60 min | 15–30 min | Developer required |
| Phone Support | ✗ No | ✓ Yes | ✗ No | ✗ No |
Or read our full review before you decide.
Real Users. Real Results.
What Small Business Owners Are Saying
"Switched from Bill.com and immediately saved $79/month. The QuickBooks sync is flawless and setup took me literally 4 minutes. I don't know why I waited so long."
"As a bookkeeper managing 14 clients, Melio has saved me probably 6 hours a week. The multi-client dashboard is clean, syncing is automatic, and ACH is genuinely free."
"The free ACH is unbeatable for our contractor payments. My only gripe is 3–5 day transfers when I need speed — but the expedited option works when I really need it."
"Our ecommerce business runs on supplier payments. Melio + Xero has basically eliminated our entire AP headache. Zero fees on ACH means we actually keep more margin."
"I pay about 20 vendors monthly. Before Melio I was cutting paper checks. Now everything is automated, tracked, and reconciled. I saved $400/year in fees alone."
"Pay by credit card, deliver by check is a game changer for cash flow. I earn points on my Amex and vendors get paid without needing card terminals. Brilliant."
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Got Questions?
Frequently Asked Questions
Ready to Stop Overpaying
for Vendor Payments?
Free ACH. Free checks. Zero monthly fee. QuickBooks and Xero sync built-in. Join 500,000+ small businesses that switched to smarter bill pay.
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