Quick access: Melio login → app.meliopayments.com/login • New user? Create free account • Help: help.melio.com

Free for US Businesses

Melio Login — Pay Any Bill, Any Way You Want

Sign in to Melio Payments to pay vendors by ACH, card or check. Send invoices. Sync with QuickBooks. Manage all your business payments from one place.

Used by over 100,000 US businesses • Forbes Fintech 50 • CNBC Top 250 Fintech

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100K+
US Businesses
80+
Countries Supported
Free
ACH & Check Pay
Melio Payments dashboard — bills and payments management portal after Melio login for US businesses
Melio Payments Login
Sign in at app.meliopayments.com/login
Sign In to Melio → Create Free Account
What is Melio?

The Smartest Way for US Businesses to Pay & Get Paid

Melio Payments is a business payment platform built for US small and medium businesses. After Melio login, you get one centralized dashboard to handle all outgoing vendor payments and incoming customer payments — without switching between tools or bank portals.

Melio lets you pay vendors the way you want — by credit card, ACH bank transfer or check — even when vendors only accept checks. Your vendors get paid in their preferred method. You keep cash flow flexible and earn card rewards on business expenses.

Melio integrates directly with QuickBooks Online, QuickBooks Desktop and Xero for automatic two-way sync. Bills, payments and vendor data stay updated in both platforms without manual data entry.

Melio Login URL
app.meliopayments.com/login
Melio login page — official sign in screen at app.meliopayments.com for Melio Payments business accounts

How Melio Login Works

Three simple steps to manage all your business payments

1

Sign In

Go to app.meliopayments.com/login and enter your email and password. Or sign in instantly with Google or QuickBooks. New users create a free account in minutes.

2

Add Bills

Upload invoice photos, forward bills to your Melio inbox, or sync directly from QuickBooks. Melio's AI auto-extracts vendor name, amount and due date instantly.

3

Pay Your Way

Choose ACH (free), credit card (2.9% fee) or check (free) for each payment. Schedule payments, set approval workflows, and track everything in real time.

Open Melio Login →
Melio QuickBooks integration — automatic sync of bills and payments after Melio login with accounting software
Payment Methods

Pay Any Vendor, Any Way — After Melio Login

ACH Bank Transfer
Free. Connect your business bank and send payments directly. Standard 3-day delivery or Fast ACH for same-day. Most cost-effective for regular vendor payments.
Credit or Debit Card
2.9% fee. Pay vendors who don't accept cards. Earn rewards on every payment. Hold cash longer while keeping vendors paid on time.
Paper Check
Free. Melio prints and mails a physical check on your behalf. Vendor receives payment with no Melio account needed. Perfect for vendors requiring checks.
International Payments
Pay vendors in 80+ countries in their local currency. Competitive exchange rates, transparent fees, all from your Melio Payments dashboard.

Everything in the Melio Dashboard

All features accessible after Melio Payments login

AI Bill Capture
Upload a photo or PDF and Melio's AI instantly extracts vendor name, amount and due date. Or forward bills to your Melio email inbox — they auto-appear in your dashboard.
Approval Workflows
Build multi-step approval flows. Assign roles — Admin, Approver, Payer, Viewer. Set spending limits. Get approval reminders. Full control with no bottlenecks.
Batch Payments
Pay multiple vendors with one click. Combine multiple bills to the same vendor into one transaction. Schedule recurring payments for regular vendors.
Get Paid & Invoicing
Create professional branded invoices. Share payment links. Customers pay by ACH or card. Track every invoice status in real time from your Melio dashboard.
W-9s & 1099s
Collect W-9 forms from contractors directly in Melio. Sync 1099 data to tax filing services for easy year-end filing without manual data entry.
Pay Over Time
Pay vendors now, repay over up to 12 monthly installments. Vendors receive full payment immediately. Manage cash flow without a business loan.
QuickBooks & Xero Sync
Two-way automatic sync with QuickBooks Online, Desktop and Xero. Bills, payments, credits and vendor data stay updated across both platforms.
Mobile App
Full Melio Payments login from iOS and Android. Approve bills, pay vendors and track payments on the go. Biometric login with Face ID or fingerprint.
Vendor Management
Melio's business directory connects you to local and national vendors. Add vendors manually or sync from QuickBooks. Vendors never need a Melio account to receive payment.
Security & Compliance
PCI DSS certified, 256-bit SSL, multi-factor authentication, 24/7 monitoring, role-based access controls. Bank-level security for all Melio Payments transactions.
Melio mobile app — sign in and manage Melio Payments from iOS and Android with biometric login Melio Payments platform — business payment management dashboard accessible after Melio login

Who Uses Melio Login?

Melio serves US businesses across all industries and roles

Small & Medium Business Owners

Over 100,000 US small business owners use Melio login to eliminate manual check writing and bank wire transfers. Restaurant owners, contractors, retailers and service businesses pay all their vendors — utilities, suppliers, contractors, landlords — from one Melio dashboard.

The ability to pay any vendor by credit card — even those who only accept checks — lets business owners earn credit card rewards on all vendor payments while keeping cash in the business longer.

Melio users report saving an average of 50% of the time they previously spent on bill pay. AI bill capture, QuickBooks sync and batch payments eliminate repetitive manual work.

Business Owner Use Cases
Pay utility bills and rent by card for rewards points
Pay contractors and freelancers by ACH for free
Schedule recurring vendor payments to avoid late fees
Collect customer payments via shareable payment links
Sync all payments automatically to QuickBooks
Manage team approvals with spending limits
Accountants Dashboard
Manage unlimited clients from one Melio login
Switch between client accounts without logging out
View bills, pending payments and alerts across all clients
Set up approval workflows per client
Free for accounting firms — clients get discounted plans
Advanced AP and AR for every client in one workspace

Accountants & Bookkeepers

Accounting firms get a free Melio login with the Accountants Dashboard — a dedicated portal to manage payment operations for multiple clients from one account. No need to log in and out for each client.

The Melio accounting partner program offers progressive discounts for clients — Bronze, Silver, Gold and Diamond levels — with increasing benefits as your client base grows.

Melio is free for the accounting firm regardless of how many clients you manage. Client plans start at 30% off standard pricing.

Melio bills and payments dashboard — business payment management portal after Melio sign in Melio Payments QuickBooks integration — sync vendor bills and payments after Melio login
Security

Bank-Level Security After Every Melio Login

Every Melio Payments login is protected by industry-leading security standards. Melio is trusted by over 100,000 US businesses to handle their most sensitive financial data and transactions.

PCI DSS Certified — Highest level of payment card industry security standards
256-bit SSL Encryption — All data encrypted in transit and at rest
Multi-Factor Authentication — Optional MFA for extra account protection
24/7 Security Monitoring — Real-time DDoS protection and threat detection
Role-Based Access — Control who can approve, view or schedule payments
SOC 2 Compliant — Third-party verified security controls and processes
Melio Payments secure platform — protected business payment management after Melio login Sign In to Melio →

Melio Login — Frequently Asked Questions

Common questions about Melio sign in and Melio Payments

What is the Melio login URL?

The Melio login URL is app.meliopayments.com/login. This is the official sign in page for Melio Payments US business accounts. Use the Sign In button on this page for direct access without typing the URL.

How do I sign in to Melio Payments?

Go to app.meliopayments.com/login and enter your email address and password. You can also click Continue with Google or Continue with QuickBooks for faster access. First-time users create a free account at app.meliopayments.com/signup.

Is Melio Payments login free?

Yes. Melio login and the Go plan are free for all US businesses. There are no monthly subscription fees for core features. ACH bank transfers and check payments are always free. Credit card payments have a 2.9% transaction fee.

Can I use Melio on my phone?

Yes. Download the Melio app from the iOS App Store or Google Play. The mobile app supports full Melio Payments login with biometric authentication (Face ID or fingerprint). You can pay vendors, approve bills and track payments from anywhere.

Why is my Melio login not working?

Common causes include wrong email address, unverified account, incorrect password, browser cache issues, or browser extensions blocking the login page. Try resetting your password, clearing your browser cache, or opening app.meliopayments.com/login in a private window.

How do I reset my Melio password?

Click Forgot Password on the Melio login page. Enter your registered email address. Check your inbox and spam folder for the reset link. The link expires in 24 hours. If no email arrives, contact Melio support at help.melio.com.

Can accountants log in to Melio for multiple clients?

Yes. Accounting firms and bookkeepers get a free Melio login with the Accountants Dashboard. This allows managing multiple client accounts from one login — switching between clients without logging out. The firm's Melio account is always free.

What happens if I forget my Melio email address?

If you don't remember which email you registered with, try all business email addresses you commonly use. You can also try signing in with Google if you originally used that option. Contact Melio support at help.melio.com for account recovery assistance.

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Access your Melio Payments account or create a free account. Trusted by 100,000+ US businesses.

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