Melio is a B2B payments platform for small and midsize businesses that combines accounts payable and accounts receivable—pay vendors by card or bank transfer, send international payments, and get paid via invoices and payment links with accounting sync and approval workflows.
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Melio Solutions Inc.Melio is a B2B payments platform built to simplify how businesses pay and get paid. The company was founded on the belief that paying bills and chasing payments shouldn’t be a burden, so it focuses on streamlining accounts payable and accounts receivable workflows to help businesses save time, reduce manual work, and improve cash flow. Melio’s platform enables businesses to pay vendors, contractors, and other business bills using flexible payment methods, including ACH bank transfers and credit/debit cards (even when recipients don’t accept cards). It also supports invoicing and getting paid digitally via invoices and shareable payment links, with options to accelerate payout speed. Melio integrates with accounting systems like QuickBooks (Online and Desktop) and Xero with two-way sync, and it offers workflow controls such as roles/permissions and approval routing. It also provides tooling for contractor tax workflows such as W-9 collection, TIN validation, and 1099 automation through a Tax1099 integration. The company also powers embedded bill pay and invoicing experiences for partners (financial institutions, SaaS platforms, and B2B marketplaces) and emphasizes security and compliance, including SOC 2 Type II and ISO/IEC 27001/27017/27018 certifications. Melio states its team is made up of more than 600 people across New York, Denver, and Tel Aviv.
HC score
verified business cases
No social proof available
Accounts payable workflows to capture bills, route approvals, and pay vendors/contractors by ACH, card, wire, check, instant/same-day options, including international payments; includes accounting sync and AP automation.
Bill capture
Approval workflows
Batch payments
Create and send professional/branded invoices and payment requests; accept payments via card or ACH; generate shareable payment links; reconcile payments via accounting sync and track payment status.
Invoice creation
Branded invoices
Payment links
Partner/embedded solution to integrate Melio AP and AR into financial institutions, SaaS products, and B2B marketplaces via a fully embedded experience (including SSO), branded UX, analytics, and payment capabilities.
Embedded payments
SSO
UX customization
Invite-only/high-volume program offering custom pricing and member benefits such as discounted card fees and FX rates, priority processing, faster settlements, higher limits, tailored terms, custom integrations/API access, and dedicated account management.
Custom pricing
Card fee discounts
FX discounts
Financing option that lets businesses pay bills now while repaying on Net 30 or up to 12 monthly installments; vendors are paid in full upfront; powered by Credit Key (loans made by Lead Bank).
Net 30
Installment plans
Soft credit check
Contractor/vendor tax form workflows including W-9 requests and storage, automated data extraction and TIN matching/validation, and 1099 automation via Tax1099 sync (eligible plans).
W-9 requests
Bulk W-9 requests
TIN validation
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