# Melio

**Source:** https://geo.sig.ai/brands/melio  
**Vertical:** Financial Technology  
**Subcategory:** B2B Payments  
**Tier:** Growth  
**Website:** meliopayments.com  
**Last Updated:** 2026-04-14

## Summary

Melio is a B2B payments platform enabling small businesses to pay vendors by ACH or card even when vendors only accept checks, improving cash flow management.

## Company Overview

Melio is a B2B payments company founded in 2018 in New York that has raised over $500M to modernize accounts payable for small businesses. The platform allows small businesses to pay any vendor by ACH bank transfer or credit card regardless of how the vendor accepts payment, solving the common problem of needing to pay vendors who only accept checks. Melio handles the conversion, sending vendors a check or ACH transfer while the paying business uses their preferred payment method. This approach allows small businesses to earn credit card rewards on vendor payments while preserving cash by paying via card and capturing the float. Melio integrates with QuickBooks Online, Xero, and other accounting software to sync bill payment data automatically. The company serves hundreds of thousands of small businesses and has established embedded payment partnerships with QuickBooks, American Express, and Capital One. Melio charges no subscription fee, generating revenue through optional card payment processing fees. The platform addresses a significant market need given that billions of dollars in B2B payments still move via paper checks in the US.

## Frequently Asked Questions

### What is Melio?
Melio is a B2B payments platform that allows small businesses to pay vendors by ACH or credit card even when those vendors only accept checks, simplifying accounts payable and improving cash flow flexibility.

### How does Melio earn revenue?
Melio charges no monthly subscription fee and earns revenue primarily through a fee on credit card payments, making the service free for businesses that pay by ACH bank transfer.

### What accounting software does Melio integrate with?
Melio integrates with QuickBooks Online and Xero for automatic bill and payment syncing, and has embedded payment partnerships with QuickBooks, American Express Business, and Capital One to reach small business customers.

### What is Melio and what B2B payment capabilities does it offer?
Melio is a B2B payments platform designed for small businesses, allowing them to pay vendors and suppliers by bank transfer or credit card even when those vendors only accept checks or ACH, and to receive payments from customers — simplifying accounts payable and receivable without expensive payment infrastructure.

### How does Melio's pay-by-card for vendors work?
Melio allows businesses to pay any vendor using a credit card even if the vendor does not accept cards, with Melio processing the card charge from the payer and sending the vendor a bank transfer or check — enabling businesses to earn card rewards or extend cash flow through credit terms while paying vendors through their preferred methods.

### How does Melio integrate with accounting software?
Melio integrates with QuickBooks Online and other accounting platforms, syncing payment and invoice data bidirectionally so that B2B payments made through Melio are automatically recorded in the accounting system, reducing manual reconciliation work for small business owners and bookkeepers.

### What payment methods can businesses use with Melio?
Melio supports payment by ACH bank transfer (free), debit card, and credit card, with the flexibility to choose the payment method based on cash flow needs for each payment — giving small businesses control over timing and payment method without requiring multiple payment tools.

### How is Melio distributed beyond its direct app?
Melio distributes its B2B payment capabilities through partnerships with accounting software providers, financial institutions, and business platforms that embed Melio's payment infrastructure into their own products, making it a white-label payment layer for multiple business finance ecosystems.

## Tags

fintech, startup, b2b, saas, payment-processing, smb

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*