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.
Method	Fee	Limitations
Shopify Balance	Free*	Subject to Shopify Balance's Daily Card Spend
Bank transfer	$0.50 USD*	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 are typically identified on your bank or card statements by the term melio and the vendor's name, such as [Vendor Name] melio CCD. The exact format depends on your bank, so either the vendor's name or the melio identifier might not always be included.

Vendor payment delivery methods

You can choose how your vendors receive payments, which varies by the payment method you use.

Available vendor delivery methods and their specifications.
Payment method	Delivery method	Speed*	Delivery fee	Limitations
Automated clearing house (ACH) bank transfer	Bank transfer (ACH)	Under $100,000 USD: 3 business days $100,000 USD or over: 4 business days	$0.50 USD**	Domestic US only
	Fast bank transfer (ACH)	Same business day	1%**	Domestic US only Same day delivery isn't available for every transfer. Review the Fast ACH eligibility requirements from Melio
	Paper check	5-7 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 Balance	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 day	1%**	Domestic US only Same day delivery isn't available for every transfer. Review the Fast ACH eligibility requirements from Melio
	Paper check	5-7 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 card	Bank transfer (ACH)	Most credit cards: same business day if scheduled before 2 pm ET, and next business day if scheduled after 2 pm ET American Express credit cards: 2 business days	Free**	Domestic US only
	Paper check	5-7 business days	Free**	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 card	Bank transfer (ACH)	Same business day if scheduled before 2 pm ET, and next business day if scheduled after 2 pm ET	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 on one occasion each day before 9:00 pm ET for standard delivery methods such as ACH bank transfer and paper check. Some delivery methods, such as same-day ACH, have earlier cutoff times. Any payments that are submitted after the cutoff time for the selected delivery method begin processing on the next business day. For example, a payment that takes one business day that is paid at 10:30 pm ET on a Monday isn't processed until Tuesday morning, and 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

When you pay in a foreign currency, the exchange rate shown includes both the mid-market rate from Wise and the Bill Pay fee. The mid-market rate is the standard exchange rate used by banks and financial institutions. To simplify your foreign currency payments, the Bill Pay fee is included in the displayed exchange rate rather than showing as a separate charge.

The conversion rate in Bill Pay is guaranteed for 30 minutes. If you don't complete the payment within this timeframe and attempt to pay the bill again, you might get a different rate.

Shopify and our international payments partners might include a margin on foreign exchange transactions as a platform cost. This margin represents the difference between the wholesale (mid-market) exchange rate and the actual rate used for your payment conversion. Exchange rates can change frequently due to market movements.

The conversion rate provided by Melio includes both conversion and service fees. These fees might vary depending on each payment's specific parameters. You can determine the total fees by comparing the displayed rate with the mid-market rate (the midpoint between currency buy and sell prices). Payment providers typically offer rates higher than the mid-market rate to cover operational costs and associated services.

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 method	Payment fee	Delivery method	Delivery fee	Total fees
Bank transfer (ACH)	Free	Bank transfer (ACH): 3-4 business days	$0.50 USD	For merchants: $0.50 USD
		Fast bank transfer (ACH): Same business day	1%	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 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	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 card	2.9%	Bank transfer (ACH): next business day	Free	2.9%
		Instant payment via debit card (chosen by vendor)	1% paid by vendor	For merchants: 2.9% For vendors: 1%
		Paper check: 5-7 business 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	For merchants: 2.9% For vendors: 1%
		Paper check: 5-7 business days	Free	2.9%

International exchange rates

When you pay a bill in a foreign currency, the exchange rate displayed includes both the mid-market rate from Wise and the Bill Pay fee. The mid-market rate is the standard exchange rate used by banks and financial institutions. To simplify your foreign currency payments, the Bill Pay fee is included in the displayed exchange rate rather than showing as a separate charge.

When you pay a bill, the conversion rate that's displayed is guaranteed for 30 minutes. If you don't complete the payment within this timeframe and attempt to pay the bill again, then a different rate might apply.

Shopify and international payments partners might include a margin on foreign exchange transactions as a platform cost that you pay. This margin represents the difference between the wholesale (mid-market) exchange rate and the actual rate used for your payment conversion. Exchange rates can change frequently due to market movements.

The conversion rate provided by Melio includes both conversion and service fees. These fees might vary depending on each payment's specific parameters. You can determine the fee that you're charged by comparing the displayed rate with the mid-market rate (the midpoint between currency buy and sell prices). Payment providers typically offer rates higher than the mid-market rate to cover operational costs and associated services.

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 method	Return code	Issue	Solution
Bank account (ACH)	Insufficient funds — ACH return code: R01 Not enough funds — ACH return code: R09	Insufficient funds in bank account	Cancel the payment. 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: 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	Cancel the payment. Reschedule the 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	Cancel the payment. Contact the vendor for delivery details. Reschedule the payment.
Credit card	Payment can't be processed — Return code: 12	There's an issue with the card used to pay this bill	Cancel the payment. Update your card's details and reschedule the payment, or reschedule the payment using a different payment method.
	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	Cancel the payment. 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 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

A list of reasons why a delivery might be unsuccessful and the resolution
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	Add the bill again. Reschedule the payment using updated delivery details from your vendor.
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	Add the bill again. Reschedule the payment using updated delivery details from your vendor.
Vendor's account number is invalid — ACH return code: R04	Vendor's bank account number was incorrect	Your payment is refunded	Add the bill again. Reschedule the payment using updated delivery details from your vendor.
Can't deliver payment — ACH return code: R05	There's an issue with your vendor's bank account details	Your payment is refunded	Add the bill again. Reschedule the payment using updated delivery details from your vendor.
Invalid ACH routing number — ACH return code: R13	Vendor's routing number was incorrect	Your payment is refunded	Add the bill again. Reschedule the payment using updated delivery details from your vendor.
Vendor's account can't receive payments — ACH return code: R20	Vendor's account can't receive payments	Your payment is refunded	Add the bill again. Reschedule the payment using updated delivery details from your vendor.
Payment declined by vendor — ACH return code: R23	Payment was declined by the vendor or their bank	Your payment is refunded	Contact the vendor to resolve the issue Add the bill again. Reschedule the payment using updated delivery details from your vendor.