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Travel on Point(s) is an independent, advertising-supported website. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites like Cardratings.com. This compensation does not impact how or where products appear on this site. Travel on Point(s) has not reviewed all available credit card offers on this site. Reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any partner entities.

How To Use Melio

Melio is a payment processing service that allows small businesses to make payments to other businesses using their platform. Melio can help unlock credit card payments to vendors that do not accept card payments. This is because the service accepts payments via bank transfer for free, or using a credit card for a fee to then pass along your payment to the recipient. This makes Melio an incredible tool to unlock credit card payments to vendors that would otherwise not accept card payments. This service is a great choice for helping to meet minimum spend. Because of that I wanted to go over how to use Melio and also share a ToP exclusive offer for the service.

**The links in this article have been independently collected by Travel on Point(s) and are an affiliate link. If you choose to use them then we may receive compensation. Thank you in advance if you choose to use them to support ToP.

Update 6/15/24: We wanted to let you know that we have been given a new & improved offer for new members of $200. If you were on the fence before, then now is the time!

Mark’s Experience

I wanted to update everyone on my experience. My wife and I each signed up for an account and made a payment over $200. We did it on 2/7 and 2/15 and were both paid our bonus on 3/11. It sounds like they go out in batches once per month. We both set up our checking accounts as the receiving method for vendor payments and were able to respond to the email to use that information (details on how to do it should be in your bonus email).

Why You Should Use Melio Pay

Before we get into how to use Melio, we should discuss what exactly Melio is. Perhaps you are staring at a bill, and you see the big scary words: cash or check only. Of course, you are wishing you could optimize paying that bill by earning some credit card rewards. This is where the power of Melio can come into play, since they process the credit card and then forward on the payment. The service allows you to earn rewards on payments you otherwise would not be able to. Melio calls this service Melio Pay. Melio Pay is accounts payable software that allows you to pay any bill with a debit or credit card. In fact, Melio touts itself as the ‘Venmo for businesses' which I find to be a funny yet accurate description of the service. It boils down to being able to pay your vendors as easily as you could pay your friends through Venmo.

Sign Up For Melio With ToP Exclusive Offer

Account Details

Let's talk about the dirty details of signing up for a Melio account:

  • The account is free to sign up for and use. No setup or monthly fees.
  • You can pay vendors that only accept checks.
  • Melio will accept your credit card and then remit a check to the recipient.
  • Melio's fee for processing a credit card is 2.9%.
  • There is no fee for paying with bank transfer.
  • This CC processing fee includes cutting and mailing of the checks to vendors, reducing effort and time on your end.

While there is a fee for using a credit card, the fee is well worth it while working on a welcome offer on a new card, or potentially if working on a spending offer.

How To Use Melio

What Bills Can You Pay With Melio

One thing we need to understand when figuring out how to use Melio is what bills are acceptable. You can use Melio to pay just about any other business. However, according to Melio's support page – the service is designed for business to business payments so both entities must be businesses. Some examples of business bills that you can pay are:

  • Rent (when your landlord is a business, not individual)
  • Taxes
  • Utilities
  • Legal expenses, Accounting expenses, other professional services
  • Contractors / freelance help
  • Inventory
  • Donations
  • Employee reimbursements
Sign Up For Melio With ToP Exclusive Offer

How to Use Melio: Step By Step Guide

There are four easy steps to pay a bill using Melio.

Step 1

Once you sign in to your account, click add a bill to pay and either manually enter or upload via a PDF bill. You can also sync with Quickbooks to automatically bring in bills.

How To Use Melio
Step 2

When you insert your bill, you can choose the payee, bill amount, bill number and due date.

Melio pay a bill
Step 3

Once your bill in input, you can choose how you want to pay, including the option to use a credit card.

How To Use Melio
Step 4

This is the last step, which is to confirm and schedule your payment.

Melio review and confirm

ToP Exclusive Offer

Right now we have an offer available through our referral link from Melio that lets you try the service for free, or a negative cost really, to see if it works for you. The offer is for new accounts only. If you sign up using the ToP link new members will get $200 cash back after making a $200+ payment via Melio pay. Melio will reach out to finalize the details of your payment.

This is a great way to test out the system if you are quick enough to get in on the deal. Otherwise, I think it is still worth a try to have it in your back pocket should you need it with a vendor. Remember to make at least 1x $200+ payment to trigger the offer though.

How To Get Set Up For The $200 Payment

After signing up and making your first payment with a vendor you will want to upload your bank info to your Melio account. Do it as the receiving method so you have a checking account set up to receive payments. You will then receive an email from Melio saying you are eligible for the $200 bonus and it will tell you to set up your receiving method, or you can share your bank information if you prefer that.

How To Use Melio: ToP Thoughts

Whether you are looking for ways to meet minimum spend, or just wanting to optimize your points earning, Melio can help unlock credit card payments to vendors who do not accept them. While there is a 2.9% fee for card processing, it can be well worth it for a welcome offer or for certain spending offers. Melio is easy to use, user friendly, and an affordable payment solution that is worth checking out. Especially since you now know how to use Melio. With the ToP exclusive offer, now is the perfect time to give without much out of pocket cost.

Sign Up For Melio With ToP Exclusive Offer

Have you used Melio to pay a bill? Come join the discussion in our Facebook group!

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