Managing Payment and Delivery Methods with Shopify Bill Pay
In Shopify Bill Pay, you can choose from various payment methods and decide how your vendors receive payments. On this page, you can find details for each payment and delivery method available, helping you navigate through the setup so that you can manage your bills.
On this page
Available payment methods
You can use the following options for paying your bills using Shopify Bill Pay. In the fees column, * represents the fee for only the payment method. There might still be fees for the delivery method. For a detailed list of fees, refer to the full payment fees section.
| Method | Fee | Limitations |
|---|---|---|
| Shopify Balance | Free* | Subject to Shopify Balance's Daily Card Spend |
| Bank transfer | Free* | Subject to your bank's transaction limits |
| Credit card | 2.9%* | Subject to your bank's transaction limits |
| Debit card | 2.9%* | Subject to your bank's transaction limits |
How payments display on statements
Payments made through Shopify Bill Pay display on your bank or card statements as “[Vendor Name] melio CCD”. While "melio" is always listed, the vendor's name might not always be listed.
Vendor payment delivery methods
You can choose how your vendors receive payments, which varies by the payment method you use.
| Payment method | Delivery method | Speed* | Delivery fee | Limitations |
|---|---|---|---|---|
| Bank transfer (ACH) | Bank transfer (ACH) |
| Free** | Domestic US only |
| Fast bank transfer (ACH) | Same business day | 1%** |
| |
| Paper check | 5-7 business days | $1.50 USD** | Domestic US only | |
| Wire transfer |
| $20 USD** | International only | |
| Shopify Balance | Bank transfer (ACH) |
| Free** | Domestic US only |
| Fast bank transfer (ACH) | Same business day | 1%** |
| |
| Paper check | 5-7 business days | $1.50 USD** | Domestic US only | |
| Wire transfer |
| $20 USD** | International only | |
| Credit card | Bank transfer (ACH) |
| Free** | Domestic US only |
| Paper check | 5-7 business days | Free** | Domestic US only | |
| Wire transfer (Mastercard only) |
| $20 USD** |
| |
| Debit card | Bank transfer (ACH) | Same business day if scheduled before 2 pm EST, and next business day if scheduled after 2 pm EST | Free** | Domestic US only |
| Paper check | 5-7 business days | Free** | Domestic US only |
* The delivery speed starts from when the payment is processed, not necessarily the day the payment is deducted. Payments are processed only once per day before 9:00 pm EST. This means that any payments submitted after 9:00 pm EST begin processing the next day. For example, a payment that takes one business day that is paid at 10:30 pm EST on a Monday isn't processed until Tuesday morning, and so won't arrive at the vendor's account until one business day from Tuesday, which would be Wednesday.
** This represents the fee for the delivery method only, there can still be fees for the payment method. For the full list of fees, refer to the full payment fees section.
Learn more about adding vendor delivery methods.
Full payment fees overview
Review the following table to understand all applicable fees based on the payment method and delivery method.
| Payment method | Payment fee | Delivery method | Delivery fee | Total fees |
|---|---|---|---|---|
| Bank transfer (ACH) | Free | Bank transfer (ACH): 3-4 business days | Free | Free |
| Fast bank transfer (ACH): Same business day | 1% | 1% | ||
| Instant payment via debit card (chosen by vendor) | 1% paid by vendor |
| ||
| Paper check: 5-7 business days | $1.50 USD | $1.50 USD | ||
| International wire: 3 business days | $20 USD | $20 USD | ||
| Shopify Balance | Free | Bank transfer (ACH): 3-4 business days | Free | Free |
| Fast bank transfer (ACH): Same business day | 1% | 1% | ||
| Instant payment via debit card (chosen by vendor) | 1% paid by vendor |
| ||
| Paper check: 5-7 business days | $1.50 USD | $1.50 USD | ||
| International wire: 3 business days | $20 USD | $20 USD | ||
| Credit card | 2.9% | Bank transfer (ACH): next business day | Free | 2.9% |
| Instant payment via debit card (chosen by vendor) | 1% paid by vendor |
| ||
| Paper check: 5-7 business days | Free | 2.9% | ||
| International wire (Mastercard only): 3 business days | $20 USD | 2.9% + $20 USD | ||
| Debit card | 2.9% | Bank transfer (ACH): next business day | Free | 2.9% |
| Instant payment via debit card (chosen by vendor) | 1% paid by vendor |
| ||
| Paper check: 5-7 business days | Free | 2.9% |
How your payment information is displayed to vendors
When you begin using Shopify Bill Pay, let your vendors know that you're changing your payment process. Review the following details of the delivery methods so that you can advise your vendors on what to expect.
Bank transfers
On your vendor's bank statements, Shopify Bill Pay payments are listed with your business name and "melio", such as "[Your business name] melio CCD". Your business name isn't always listed, but "melio" is always listed.
Paper checks
Paper checks are addressed to your vendor and contain your business name and address. The bank account numbers are Melio's, Shopify Bill Pay's partner, so your own banking information is never shared with the vendor.
Understanding payment failures
Payments can fail for many reasons, either from the payment method or the delivery method. When a payment fails, identifying the reason is crucial for resolving the issue efficiently.
If your payment is unsuccessful, then review the following reasons and solutions.
| Payment method | Return code | Issue | Solution |
|---|---|---|---|
| Bank account (ACH) |
| Insufficient funds in bank account |
If you believe your payment method has enough funds, then contact the bank of your payment method. |
| Your account is frozen — ACH return code: R16 | Bank account is frozen | Contact your bank to resolve the issue. If you need to make the payment before resolving the issue with your bank, then cancel the payment and then reschedule the payment using a different payment method. | |
| Payment stopped by request — ACH return code: R08 | You requested the bank to stop this payment | ||
| Unauthorized transaction — ACH return code: R10 | Unauthorized activity with the bank account | Contact your bank to resolve the issue. If you need to make the payment before resolving the issue with your bank, then cancel the payment and then reschedule the payment using a different payment method. | |
| Payment is blocked — ACH return code: R29 | Shopify Bill Pay can't deduct funds from your account | Contact your bank to resolve the issue. If you need to make the payment before resolving the issue with your bank, then cancel the payment and then reschedule the payment using a different payment method. | |
| This payment wasn't processed | Payment is declined because of a compliance issue and can't be deducted from your account | Check your email or contact compliance@shopify-billpay.melio.com for more details. | |
| Vendor was asked to select payment method | Vendor didn't respond to email request | Vendor didn't accept your payment or provide delivery details |
|
| Credit card | Payment can't be processed — Return code: 12 | There's an issue with the card used to pay this bill |
|
| Your card is blocked — Return code: 05 | Card has been blocked, possibly due to a card limit or fraud concern | Contact your bank to resolve the issue. If you need to make the payment before resolving the issue with your bank, then cancel the payment and then reschedule the payment using a different payment method. | |
|
Insufficient funds — Return code: 51 Payment can't be processed — Return code: 12 Insufficient funds — Return code: 183 | Card has a limit preventing this payment from being processed |
If you believe your payment method's limit shouldn't be affecting the payment, then contact the bank of your payment method. | |
| This payment wasn't processed | Payment is declined because of a compliance issue and can't be deducted from your account | Check your email or contact compliance@shopify-billpay.melio.com for more details. |
Understanding unsuccessful delivery reasons
| Return code | Issue | Result | Next steps |
|---|---|---|---|
| Vendor's account is closed — ACH return code: R02 | Vendor's account is closed or can't receive payments | Your payment is refunded |
|
| Can't locate vendor's account — ACH return code: R03 | Vendor's bank account number was incorrect or invalid for bank transfers | Your payment is refunded |
|
| Vendor's account number is invalid — ACH return code: R04 | Vendor's bank account number was incorrect | Your payment is refunded |
|
| Can't deliver payment — ACH return code: R05 | There's an issue with your vendor's bank account details | Your payment is refunded |
|
| Invalid ACH routing number — ACH return code: R13 | Vendor's routing number was incorrect | Your payment is refunded |
|
| Vendor's account can't receive payments — ACH return code: R20 | Vendor's account can't receive payments | Your payment is refunded |
|
| Payment declined by vendor — ACH return code: R23 | Payment was declined by the vendor or their bank | Your payment is refunded |
|