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.

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.

Overview of payment methods available for Shopify Bill Pay, including associated fees and limitations.
MethodFeeLimitations
Shopify BalanceFree*Subject to Shopify Balance's Daily Card Spend
Bank transferFree*Subject to your bank's transaction limits
Credit card2.9%*Subject to your bank's transaction limits
Debit card2.9%*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.

The possible vendor delivery methods and their details
Payment methodDelivery methodSpeed*Delivery feeLimitations
Bank transfer (ACH)Bank transfer (ACH)
  • Under $100,000 USD: 3 business days
  • $100,000 USD or over: 4 business days
Free**Domestic US only
Fast bank transfer (ACH)Same business day1%**
Paper check5-7 business days$1.50 USD**Domestic US only
Wire transfer
  • Under $100,000 USD: 3 business days
  • $100,000 USD or over: 4 business days
$20 USD**International only
Shopify BalanceBank transfer (ACH)
  • Under $100,000 USD: 3 business days
  • $100,000 USD or over: 4 business days
Free**Domestic US only
Fast bank transfer (ACH)Same business day1%**
Paper check5-7 business days$1.50 USD**Domestic US only
Wire transfer
  • Under $100,000 USD: 3 business days
  • $100,000 USD or over: 4 business days
$20 USD**International only
Credit cardBank transfer (ACH)
  • Most credit cards: same business day if scheduled before 2 pm EST, and next business day if scheduled after 2 pm EST
  • American Express credit cards: 2 business days
Free**Domestic US only
Paper check5-7 business daysFree**Domestic US only
Wire transfer (Mastercard only)
  • Under $100,000 USD: 3 business days
  • $100,000 USD or over: 4 business days
$20 USD**
  • International only
  • Mastercard only. International bill payments aren't available for other credit card providers.
Debit cardBank transfer (ACH)Same business day if scheduled before 2 pm EST, and next business day if scheduled after 2 pm ESTFree**Domestic US only
Paper check5-7 business daysFree**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.

A full list of the possible payment fees for each method of payment and delivery
Payment methodPayment feeDelivery methodDelivery feeTotal fees
Bank transfer (ACH)FreeBank transfer (ACH): 3-4 business daysFreeFree
Fast bank transfer (ACH): Same business day1%1%
Instant payment via debit card (chosen by vendor)1% paid by vendor
  • For merchants: Free
  • For vendors: 1%
Paper check: 5-7 business days$1.50 USD$1.50 USD
International wire: 3 business days$20 USD$20 USD
Shopify BalanceFreeBank transfer (ACH): 3-4 business daysFreeFree
Fast bank transfer (ACH): Same business day1%1%
Instant payment via debit card (chosen by vendor)1% paid by vendor
  • For merchants: Free
  • For vendors: 1%
Paper check: 5-7 business days$1.50 USD$1.50 USD
International wire: 3 business days$20 USD$20 USD
Credit card2.9%Bank transfer (ACH): next business dayFree2.9%
Instant payment via debit card (chosen by vendor)1% paid by vendor
  • For merchants: 2.9%
  • For vendors: 1%
Paper check: 5-7 business daysFree2.9%
International wire (Mastercard only): 3 business days$20 USD2.9% + $20 USD
Debit card2.9%Bank transfer (ACH): next business dayFree2.9%
Instant payment via debit card (chosen by vendor)1% paid by vendor
  • For merchants: 2.9%
  • For vendors: 1%
Paper check: 5-7 business daysFree2.9%

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.

A list of reasons why a payment might be unsuccessful and the resolution
Payment methodReturn codeIssueSolution
Bank account (ACH)
  • Insufficient funds — ACH return code: R01
  • Not enough funds — ACH return code: R09
Insufficient funds in bank account
  1. Cancel the payment.
  2. Reschedule the payment using a payment method with enough funds.

If you believe your payment method has enough funds, then contact the bank of your payment method.

Your account is frozen — ACH return code: R16Bank account is frozenContact 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: R08You requested the bank to stop this payment
  1. Cancel the payment.
  2. Reschedule the payment.
Unauthorized transaction — ACH return code: R10Unauthorized activity with the bank accountContact 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: R29Shopify Bill Pay can't deduct funds from your accountContact 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 processedPayment is declined because of a compliance issue and can't be deducted from your accountCheck your email or contact compliance@shopify-billpay.melio.com for more details.
Vendor was asked to select payment methodVendor didn't respond to email requestVendor didn't accept your payment or provide delivery details
  1. Cancel the payment.
  2. Contact the vendor for delivery details.
  3. Reschedule the payment.
Credit cardPayment can't be processed — Return code: 12There's an issue with the card used to pay this bill
  1. Cancel the payment.
  2. Update your card's details and reschedule the payment, or reschedule the payment using a different payment method.
Your card is blocked — Return code: 05Card has been blocked, possibly due to a card limit or fraud concernContact 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
  1. Cancel the payment.
  2. Reschedule the payment using a payment method with enough funds.

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 processedPayment is declined because of a compliance issue and can't be deducted from your accountCheck your email or contact compliance@shopify-billpay.melio.com for more details.

Understanding unsuccessful delivery reasons

A list of reasons why a delivery might be unsuccessful and the resolution
Return codeIssueResultNext steps
Vendor's account is closed — ACH return code: R02Vendor's account is closed or can't receive paymentsYour payment is refunded
  1. Add the bill again.
  2. Reschedule the payment using updated delivery details from your vendor.
Can't locate vendor's account — ACH return code: R03Vendor's bank account number was incorrect or invalid for bank transfersYour payment is refunded
  1. Add the bill again.
  2. Reschedule the payment using updated delivery details from your vendor.
Vendor's account number is invalid — ACH return code: R04Vendor's bank account number was incorrectYour payment is refunded
  1. Add the bill again.
  2. Reschedule the payment using updated delivery details from your vendor.
Can't deliver payment — ACH return code: R05There's an issue with your vendor's bank account detailsYour payment is refunded
  1. Add the bill again.
  2. Reschedule the payment using updated delivery details from your vendor.
Invalid ACH routing number — ACH return code: R13Vendor's routing number was incorrectYour payment is refunded
  1. Add the bill again.
  2. Reschedule the payment using updated delivery details from your vendor.
Vendor's account can't receive payments — ACH return code: R20Vendor's account can't receive paymentsYour payment is refunded
  1. Add the bill again.
  2. Reschedule the payment using updated delivery details from your vendor.
Payment declined by vendor — ACH return code: R23Payment was declined by the vendor or their bankYour payment is refunded
  1. Contact the vendor to resolve the issue
  2. Add the bill again.
  3. Reschedule the payment using updated delivery details from your vendor.
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