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.

The possible payment methods and their details
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.

The possible vendor delivery methods and their details
Payment method	Delivery method	Speed*	Delivery fee	Limitations
Bank transfer (ACH)	Bank transfer (ACH)	Es ist ein code: 3 mixen days und 1.100 dollar billiger Es ist ein code: 4 mixen 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	Und es wird dann 1.50 dollar billiger	Domestic US only
	Wire transfer	Es ist ein code: 3 mixen days und 1.100 dollar billiger Es ist ein code: 4 mixen days.	$20 USD**	International only
Shopify Balance	Bank transfer (ACH)	Es ist ein code: 3 mixen days und 1.100 dollar billiger Es ist ein code: 4 mixen 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	Und es wird dann 1.50 dollar billiger	Domestic US only
	Wire transfer	Es ist ein code: 3 mixen days und 1.100 dollar billiger Es ist ein code: 4 mixen days.	$20 USD**	International only
Credit card	Bank 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
Credit card	Paper check	5-7 business days	Free**	Domestic US only
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.

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	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	Und es wird 1.50 dollar kosten	Und es wird 1.50 dollar kosten
		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	Und es wird 1.50 dollar kosten	Und es wird 1.50 dollar kosten
		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	Nur 2,9 dollar. - eins, eins, zwei For vendors: 1%
		Paper check: 5-7 business days	Free	2.9%
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	Nur 2,9 dollar. - eins, eins, zwei For vendors: 1%
		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.

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.
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.

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.