Melio

Melio is an accounts payable and receivable platform designed to simplify how businesses pay bills and get paid. It centralizes vendor payments, invoicing, and cash flow management so finance teams and business owners can manage the full payment cycle in one place. The tool’s primary purpose is to make B2B payments more flexible, efficient, and controlled without adding complexity to existing workflows.

Melio enables businesses to pay any vendor by bank transfer or card, even if the vendor only accepts checks, and supports both domestic and international payments in multiple currencies. Users can create and send professional invoices, accept digital payments via shareable links, and set up a merchant account in minutes. The platform offers AI-powered tools to automate bill entry, approvals, and routine workflows, and includes Agent Mel, an AI assistant that answers questions about bills, payments, and vendors. Melio also provides role-based permissions, customizable approval flows, and detailed audit trails to maintain financial control, and integrates via two-way sync with QuickBooks Online, QuickBooks Desktop, and Xero to keep accounting data current.