EXCLUSIVE: Get $200 Cash from Melio (Pay Business Expenses by Credit Card When You Can’t Pay by Credit Card)

Get $200 to Try Out Melio

I’m very excited about this. I used to use Plastiq for a lot of payments of this type but frustrations with their customer service led me to reach out to Melio (a very similar service, though only for business to business payments – but with actual live support!) to see what they could do for our readers and group members and the result is a free $200 cash to try them out! (When you send $200; terms apply / sent as a gift card / see below.)

What’s Melio?

Melio lets you pay bills with a credit card and they will get your vendor paid by check or ACH for a 2.9% fee. Sound familiar?

There’s really only one main difference in the two services and that is that Melio can only be used to pay business bills. So yes, that will disqualify some of you.

But for the rest of you, I’ve worked out an incredible deal with Melio to give them a try. 

If you use this special MilesTalk link that activates the $200 cash back offer you’ll get $200 cash back (as a gift card) once you meet the terms for either subscription plan below. It’s that simple!

Make your first payment of at least $500 using any payment method to earn your choice of gift card as a one-time reward.

How is that for simple?

What Are the Terms?

The only offer terms are:

• You must be a new Melio user – not an existing user
• You must use this special MilesTalk link that activates the $200 cash back offer
• Make your first payment of at least $500 using any payment method to earn your choice of gift card as a one-time reward.
• Then, you’ll receive a gift card for $200 in short order, fulfilled by a company called Tango.

A Few Things to Know About Melio

• As I mentioned, you can only use this for business payments. They will ask for proof, especially your first time paying a vendor which can take an extra day or two while they validate. Both sides of the payment must be a business – so you need to at least be a sole proprietor (and able to prove it) and so must the payee. You can use Melio for all kinds of business-related payments, including employee reimbursements and 1099 contractors. 
• They do have Live Chat Support on the website (Plastiq used to have this but no longer does).
• The fee for a credit card payment is 2.9% and YES, they do take American Express (except not on cross border payments – Mastercard for those only). They also take Mastercard, Visa and even Discover, however Visa cards must be small business cards like the Chase Ink business credit cards.
• If the vendor is getting paid by ACH, your only cost is the 2.9%. By check, it’s $1.50 extra but only after your first two each month which are free. There’s a $20 fee on top if paying someone in Canada.
• Your vendor doesn’t need to know you are paying using a service. They don’t need to do a thing.

I also asked about those of you with very small businesses i.e. eBay sole props, Airbnb hosts, etc. and here is what I was told:

As long as it is a Business to Business payment – and the eBay seller/Uber driver etc. were approved as a business by our compliance department, they will be able to complete their payments. There is a good chance they will be requested to provide a proof they are a business.

The only exception would be restricted business types (like gambling).

Also keep in mind that the fees should be (this is not financial advice; consult your tax professional) be tax-deductible as it is part of your business epxense.

If you have any other questions, jump over to the MilesTalk Facebook group where we have a thread going on this promotion or reach out to me directly.

Otherwise: Activate the $200 cash back offer here!

Terms & Conditions

Giftcard is issued by a third-party provider and is subject to their applicable terms and conditions (“Giftcard”). Melio is not responsible for Giftcard use experience or terms and conditions. For a user to be eligible to receive the one-time Giftcard, a user must be a new user of Melio who arrived through a qualified affiliate to this page (submission of proof is required upon Melio’s request), successfully created a Melio account using the link in this page, and their first completed payment is $500 or higher. Giftcard will be sent via e-mail. Melio reserves the right to end the promotion ahead of time or to make changes or additions to this promotion for any reason at any time. Melio reserves the right to withhold the Giftcard in case of fraud or abuse and subject to its Terms and Conditions. This promotion is not available to accountants’ clients and/or businesses added and/or managed by accounting firms on the Melio platform.

Questions?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don't forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.