Melio

Melio is a New York-based B2B payment platform built for small and medium-sized businesses to simplify accounts payable and accounts receivable workflows.

Founded in 2018 by former PayPal executives, Melio lets businesses pay vendors by ACH bank transfer, credit card, debit card, or mailed check — even when vendors only accept traditional payment methods.

The platform features AI-powered bill capture, automated approval workflows, 1099 contractor management, QuickBooks and Xero sync, and international payments to 80+ countries. Acquired by Xero in October 2025 for $2. 5 billion, Melio now serves over 100,000 U. S.

businesses and processes billions in annual payment volume through its freemium model with free ACH transfers.

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