B2B payment solutions for wholesale distributors start here. Pay manufacturers and suppliers locally or abroad, buy inventory on your terms, and get paid by your own customers, all from one platform.
Pay suppliers by card, even where cards aren’t accepted, and keep the cash until your next billing cycle.1 For the largest orders, pay your supplier in full with Pay Over Time, and repay on Net 30 or in up to 12 monthly installments.2
We’ll send bank transfers, wires, checks or a single-use virtual card for you, with fast delivery options available. Your suppliers don’t need a Melio account to get paid their preferred way.
Pay suppliers in 140+ countries, in US dollars or their local currency. Eligible local-currency payments can arrive the same day.3 You’ll see exchange rates before you send, and international bills sit in the same dashboard as your domestic ones.
Capture bills by photo, email, or upload and pulls out the details automatically. Set up recurring payments, and regular supplier bills go out on schedule. As your vendor list and order volume grow, one person can still run your accounts payable.
We can also handle your accounts receivable. Send invoices with a payment link built in. Your buyers pay by bank transfer or card without needing a Melio account, and you decide who covers the card fee.
Bulk-order rebates and credits sync from QuickBooks Online, so they can be applied to your next supplier payment.
Split one large supplier bill across multiple payment methods if a single lump sum will hurt cash flow.
Set approvals by role and payment amount, so all your orders get the right sign-off first without slowing you down.
Clear several supplier bills in one go, including multiple bills from the same manufacturer.
Set up recurring payments for your regular wholesale bills. Schedule once and always be on time.
Approve and send a supplier payment from the warehouse floor or a trade show with our mobile app.
Bills, vendors, and payments stay synced with QuickBooks, Xero, or NetSuite even at high volume.
We reduce the risk of fraud by using automated solutions to flag high-risk transactions and activity.
"As a small company, Melio provides us with a reasonably priced solution for conveniently facilitating EFT, credit card, and bank payments. We especially appreciate the user-friendly online platform, which is easy to navigate." Jodi Turner, Office Manager
Melio is one of the best payment solutions for wholesale businesses because you can pay all your business expenses in one place, including:
Manufacturers
Rent
Utility bills
Professional services
Insurance
Inventory
Yes, Melio allows you to make payments to your vendors with a bank account or your card, and your vendor can choose to receive the payment via wire transfer, ACH, check, or single-use virtual card.
Yes. You can pay by card even when your supplier doesn’t accept cards. They receive a bank transfer or check, and you settle on your next card statement. You can also earn rewards on that spend, through your card provider’s terms.1
Yes. Schedule payments for unpaid and partially paid bills in one go. You can also combine bills to the same vendor into one payment and save on fees.
It’s easy to upload and pay your wholesale business bills with Melio. There are a few ways to add a bill:
Onboarding a new manufacturer always carries some risk, especially at wholesale order sizes. Melio is PCI DSS compliant and automatically flags high-risk activity, so a large payment to a new vendor doesn’t need a manual fraud review each time. Add approval workflows, and big first orders get a second sign-off before they go out. More on how Melio keeps payments secure.
Yes. Melio offers fast international payment for eligible users. International payments in local currencies typically take 0-1 days to arrive, and fast international payments in USD can take up to 3 days to arrive.
Otherwise, international payments in local currencies typically take 1-3 days to arrive, and fast international payments in USD can take up to 5 days to arrive.2
Every business is different but it usually comes down to volume and variety. A distributor might handle hundreds of supplier bills a month, each with different line items, freight charges, and terms.
Add multiple warehouses or regional buyers, and keying bills by hand, chasing approvals, and cross-checking against what actually shipped turns into a full-time job. One typo can throw your books off for weeks, and late payments strain the supplier relationships behind your pricing.
Melio captures bills automatically, routes them for approval, and syncs payments to QuickBooks or Xero, so your team handles the exceptions instead of the data entry.
Start by moving invoicing and collection onto one platform. With Melio, you send invoices with a payment link built in, and buyers pay by bank transfer or card without signing up.
Melio can also send payment reminders and match incoming payments to open invoices, and everything syncs with your accounting software. That cuts the manual follow-up when customers are on Net 30, 60, or 90.
Plus, with accounts payable running on the same platform, you can see what’s coming in next to what’s going out to suppliers.
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