Melio Payments is a B2B financial-technology company offering a cloud-based platform that enables small and medium-sized businesses (SMBs) to manage bill payments, invoices, and cash flow, replacing traditional manual workflows like checks and paper invoicing with a unified, digital solution. Founded in 2018 and headquartered in New York, New York (with an additional office in Tel Aviv, Israel), Melio serves over 100,000 businesses simplifying bill payments and optimizing cash flow through flexible vendor payment options.
Melio’s platform offers flexible vendor payments built for modern accounts payable, allowing businesses to pay any business bill by credit card, ACH bank transfer, wire, international transfer, or check—all from one dashboard with powerful automation and seamless syncing to accounting software. Key features include Pay By Card, ACH Bank Transfers, International Payments, Fast Payments, Pay Over Time options, W-9s and 1099s management, Payment Links, AI Assistant capabilities, a Mobile App, Approval Workflow, Easy Bill Capture, and access to Melio’s Network. The service is free for users, maximizing cash flow and minimizing busywork while allowing businesses to pay vendors using bank transfer or debit card for free even if vendors don’t accept cards.
In 2025, Melio was formally acquired by Xero, a leading global provider of cloud accounting software, becoming an integrated part of Xero’s broader accounting ecosystem while continuing to operate as a standalone service for businesses using other accounting systems. The Tel Aviv office serves as Xero’s local R&D center and operating subsidiary in Israel following the acquisition. Melio is a privately held company with 501-1,000 employees specializing in small business payments, accounts payable, accounts receivable, online payments, and business-to-business payments.