Make bill payments, directly from Xero
Pay bills online in just a few clicks. Save time, stay in control and enjoy the flexibility to pay the way you want.
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
See how to make bill payments in Xero
See how to make bill payments in Xero
Make paying bills super simple
Getting started with online bill payments is simple. Just verify your business details with our partner Melio, select the bills you want to pay and confirm the payment in Xero. It's that easy.
Flexibility to pay your way, maximize cash flow
Securely pay one bill or many using the payment method that works for you, choose a bank account or credit card, and your suppliers can get paid via ACH, wire transfer, or receive a check or single-use virtual card - even if cards aren’t accepted.
Maintain control over your payments
Give your team the access they need to pay bills, then track everything in Xero without logging into your bank. Schedule payments when it works for cash flow, and speed up payments to avoid late fees.
Find confidence in every payment
Xero has acquired Melio, a leading payments platform trusted by 100k businesses, whose advanced security and fraud prevention monitor every transaction to help keep your financial data safe.
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Get 5 hours back every week. Small business customers say they save an average of 5 hours weekly on bill management in Xero - bills creation, payments and reconciliation handled automatically.
More about online bill payments in Xero
Powered by Melio, securely pay bills directly from Xero. Once online bill payments are set up in Xero, simply select the bills you want to pay, then ‘Make online payments’ and Melio handles the rest. At this stage, you will only be able to make US dollar (USD) bill payments within the US. Foreign currency bills are not currently supported.
See how online bill payments worksPowered by Melio, securely pay bills directly from Xero. Once online bill payments are set up in Xero, simply select the bills you want to pay, then ‘Make online payments’ and Melio handles the rest. At this stage, you will only be able to make US dollar (USD) bill payments within the US. Foreign currency bills are not currently supported.
See how online bill payments worksWhen you use online bill payments in Xero, your payments are processed by Melio. As part of the set up process, you’ll need to agree to Melio's Terms of Service and Privacy Policy as well as Xero’s terms of use and payments terms.
Learn more about MelioWhen you use online bill payments in Xero, your payments are processed by Melio. As part of the set up process, you’ll need to agree to Melio's Terms of Service and Privacy Policy as well as Xero’s terms of use and payments terms.
Learn more about MelioYes, you will be charged a payment fee by Xero when you choose to make online payments. The usage-based payment fees are separate from your Xero subscription. All fees are in US dollars and exclude applicable taxes unless otherwise specified. Xero reserves the right to change the cost of this service from time to time.
Learn more about pricing for online bill paymentsYes, you will be charged a payment fee by Xero when you choose to make online payments. The usage-based payment fees are separate from your Xero subscription. All fees are in US dollars and exclude applicable taxes unless otherwise specified. Xero reserves the right to change the cost of this service from time to time.
Learn more about pricing for online bill paymentsCurrently, you can fund bill payments from your bank account or via credit or debit card. However your supplier can get paid via ACH or wire transfer, or receive a check or single-use virtual card. Melio also offers various delivery speeds, including options for same-day ACH and wire transfers, and overnight checks.
Learn more about available payment methodsCurrently, you can fund bill payments from your bank account or via credit or debit card. However your supplier can get paid via ACH or wire transfer, or receive a check or single-use virtual card. Melio also offers various delivery speeds, including options for same-day ACH and wire transfers, and overnight checks.
Learn more about available payment methodsAn approvals workflow is not available yet, but you can still control who can make bill payments by assigning the ‘payments’ permission to key users in your organization. Note: The ability to delegate payment requests to others is planned to launch in 2026.
Learn more about user roles and permissionsAn approvals workflow is not available yet, but you can still control who can make bill payments by assigning the ‘payments’ permission to key users in your organization. Note: The ability to delegate payment requests to others is planned to launch in 2026.
Learn more about user roles and permissions
Ready to get started?
Setting up online bill payments is free and easy, simply login to Xero and verify your business details with Melio
Disclaimer
When you use online bill payments in Xero, your payments are processed by Melio. As part of the process, you’ll need to agree to Melio's Terms of Service and Privacy Policy. It's important for you to read and understand them. Xero’s terms of use, including Xero’s payments terms, apply to your use of this service.
Melio terms of service*Fees apply for other payment methods.