Set up Bill Pay powered by Melio

Gusto's Bill Pay powered by Melio is designed to streamline your business's payment processes, giving you more control over cash flow and saving you valuable time. With this feature, you can manage all your bill payments directly within the Gusto platform, eliminating the need for multiple tools.

By utilizing Gusto's Bill Pay powered by Melio, you can automate your bill payments, save time, improve accuracy, and increase security, all while managing your business finances more effectively. This integration allows you to focus on what truly matters—growing your business.

Features include:

Centralized management: Pay all your bills in one place—right alongside your payroll. No more juggling between different platforms.
Flexible payment options: Choose your preferred payment method—bank transfer, check, or credit card. Your vendors can also select how they receive payments, whether by bank transfer or check. Vendors selecting to be paid via bank transfer can receive funds directly to their account, within minutes.¹
Cash flow insights: As you pay bills through Gusto, you unlock valuable insights that assist in forecasting future expenses and managing your cash flow effectively.
Accounting software integration: Sync your Bill Pay information with QuickBooks & Xero Sync
Expense tracking: Automatically track and categorize bills, simplifying your financial management.

How to use Gusto's Bill Pay

Set up Bill Pay

Bill Pay can be set up by a Global or Primary Admin in Gusto. Here’s how:

Sign in to your Gusto admin account.
Go to the Pay tab and choose Pay bills.
Select Get Started to set up Melio and begin using the feature.
Click Continue.

Pay bills

Now you can start paying bills right from Gusto. Go to the Bills tab to create or import bills to pay. You'll have the option to import a bill by uploading it or syncing from QuickBooks or Xero. You can also forward your bill to your unique forwarding address, or use Gmail integration.

Once a payment is scheduled, it’s added to the Payments tab.

Refer to Melio’s Help Center or visit the Settings section within Bill Pay for help with this feature, such as adding or automating bills, integrating with your accounting software, managing your bill pay settings, and more.

Need help with Bill Pay?

For any questions or issues relating to your Bill Pay, contact Melio directly from within your Gusto account by following the steps below.

Melio support hours of operation: Monday–Friday 9am–8pm ET (excluding bank holidays).

Chat

Global and Primary admins can access Melio chat from their Gusto account:

In Gusto, go to the Pay tab and select Pay bills.
Click Settings.
Go to the Support tab.
Under “Contact us,” select Start a chat.

A specialist will respond within 90 seconds.

Email

Full Access admins can create an email case from their Gusto account:

In Gusto, go to the Pay tab and select Pay bills.
Click the Settings icon.
Go to the Support tab.
Under “Contact us,” select Help Center.
Select Still need help?.
Fill in the required information and select Submit.
- Make sure to enter the same email address that’s associated with your Gusto account.

A specialist will respond to your email within 12 business hours.

Fee overview and payment timelines

Access to Bill Pay powered by Melio is included in your Gusto subscription for eligible companies.²

Below are the fees associated with different payment methods and the typical delivery timelines.

Payment method: Bank account

Receiving method	Fee
ACH bank transfer (3 business days)⁴	$2.00
Fast ACH (same day)⁵	1% (up to $30)
Instant (within minutes)⁴	1% (up to $30) Paid by vendor if they select
Check (5-7 business days)	$2.50
Fast check (3 business days)⁴	$20

Payment method: Credit card

Receiving method	Fee
ACH bank transfer (same day)⁵	2.9%
Instant (within minutes)⁵	2.9% +1% (up to $30) 1% paid by vendor if they select
Check (5-7 business days)	2.9%
Fast check (3 business days)	2.9% + $20

Additional benefits
QuickBooks & Xero sync	Unlimited syncs
Approval workflow	Available

^{1. Each payment is subject to eligibility requirements and limitations. Availability: Mon-Fri, 2am–7pm ET.**}

^{2. We are committed to making Bill Pay available to as many customers as possible. However, eligibility is based on specific criteria, and not all companies may qualify for this product. If you have any questions about your eligibility or need further assistance, please reach out to our support team.}

^{4. When scheduled before 9pm ET.**}

^{5. If scheduled before 2pm ET.**}

^{* Bank account to ACH payments exceeding $100,000 generally are delivered within 4 business days.}

^{** Any payments submitted after this time will only start processing the following business day.}