Melio Payments vs Block
Side-by-side comparison of AI visibility scores, market position, and capabilities
B2B payments platform for SMBs processing $30B+ in FY25; acquired by Xero for $2.5B in Jun 2025 and continues to operate independently serving 80,000+ US businesses via ACH, card, and international payments.
About
Melio Payments is a New York-based B2B payments platform founded in 2018 that enables small and medium-sized businesses to pay vendors, suppliers, and business bills via ACH transfer, credit card, or international wire — and to send and receive invoices with online payment capabilities. By allowing businesses to pay with a credit card where a vendor only accepts checks or ACH, Melio provides a cash-flow float benefit that is especially valuable for cash-constrained SMBs. The platform integrates directly with accounting software including QuickBooks, Xero, FreshBooks, and Gusto, enabling automatic bill sync and reconciliation.
San Francisco fintech (NYSE: SQ) added to S&P 500 July 2025; Cash App $5.0B gross profit, Square $3.7B, Afterpay BNPL integration, Jack Dorsey CEO competing with PayPal/Venmo and Stripe for merchant and consumer fintech.
About
Block, Inc. is a San Francisco, California-based financial technology company — publicly traded on the New York Stock Exchange (NYSE: SQ) as an S&P 500 Information Technology component (added to the S&P 500 on July 23, 2025, replacing Hess Corporation) — operating two primary financial platforms: Square (merchant payment processing, point-of-sale hardware, and business banking for small-to-mid-size merchants) and Cash App (peer-to-peer payments, digital banking, stock investing, and Bitcoin transactions for individuals) alongside Afterpay (buy now pay later), Tidal (music streaming), and TBD (decentralized finance), through approximately 12,000 employees. CEO Jack Dorsey (co-founder with Jim McKelvey in 2009 as Square, rebranded to Block in December 2021) leads the company's strategy of building an interconnected ecosystem of financial services that connect individual consumers (Cash App) with merchants (Square) and the broader financial ecosystem. In fiscal year 2024, Block reported gross profit of approximately $8.9 billion, with Cash App generating approximately $5.0 billion in gross profit (+14% year-over-year) driven by Cash App Card, direct deposit adoption, and Cash App Pay, while Square generated approximately $3.7 billion in gross profit (+9%) driven by software and banking products alongside payment processing. Block acquired Afterpay for $29 billion in January 2022 — integrating the Australian buy-now-pay-later platform into both Square (merchant installment offer at checkout) and Cash App (consumer Afterpay integration).
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