Buyer intelligence profile
Melio
A structured, claim-level Melio profile — not an endorsement. Every row below cites its own source and verification date; fields without evidence are marked UNKNOWN rather than assumed.
Identity
| Company | Melio Payments, Inc. |
|---|---|
| Category | AP automation / bill pay for SMB |
| Target customer | Small businesses, with a higher-volume "Platinum" tier Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: medium |
| Geographic availability | UNKNOWN — not independently verified |
Pricing
| Pricing model | Free plan plus paid tier(s); per-transaction fees for card payments Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: medium |
|---|---|
| Starting price | $0 (Free plan) Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
| Per-user pricing | UNKNOWN — not independently verified |
| Transaction fees | Card fee applies for credit card payments; 5 free ACH transfers per month on the Free plan Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: medium |
| Free trial | UNKNOWN — not independently verified |
| Free plan | Free plan available Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
| Custom / quote pricing | UNKNOWN — not independently verified |
Invoice capture
| OCR / AI extraction | OCR scanning auto-fills vendor, amount, line items, and due date on imported bills Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
|---|---|
| Duplicate detection | UNKNOWN — not independently verified |
| Line-item extraction | Line items auto-filled via OCR Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
PO matching
| 2-way matching | UNKNOWN — not independently verified |
|---|---|
| 3-way matching | UNKNOWN — not independently verified |
Approval workflow
| Custom routing | Multi-level approvals by team member, role, payment amount, and vendor Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
|---|---|
| Mobile approvals | UNKNOWN — not independently verified |
| Slack / Teams approvals | UNKNOWN — not independently verified |
Accounting / ERP integrations
| QuickBooks | QuickBooks Online and QuickBooks Desktop Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
|---|---|
| Xero | Xero Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
| NetSuite | NetSuite Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
| Sage Intacct | UNKNOWN — not independently verified |
| Microsoft Dynamics | UNKNOWN — not independently verified |
| SAP | UNKNOWN — not independently verified |
Payments
| ACH | ACH/bank transfer; 5 free per month on Free plan Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
|---|---|
| Check | UNKNOWN — not independently verified |
| Virtual card | UNKNOWN — not independently verified |
| International | International payments with fast delivery and no extra fee for eligible users Accounts Payable Automation Software | Melio · verified 2026-09-07 · first-party · confidence: high |
Multi-entity / organization complexity
| Multi-entity support | UNKNOWN — not independently verified |
|---|
Security / compliance
| SOC | Annual SOC 2 Type II audit Secure payment system for Online Transactions | Melio · verified 2026-09-07 · first-party · confidence: high |
|---|---|
| ISO 27001 | ISO/IEC 27001:2022, plus ISO/IEC 27017 (cloud security) and ISO/IEC 27018 (cloud privacy) Secure payment system for Online Transactions | Melio · verified 2026-09-07 · first-party · confidence: high |
| PCI DSS | Works with PCI Level 1 compliant third-party service providers Secure payment system for Online Transactions | Melio · verified 2026-09-07 · first-party · confidence: medium |
| GDPR | UNKNOWN — not independently verified |
| SSO | UNKNOWN — not independently verified |
| MFA | Multi-factor authentication used from sign-up Secure payment system for Online Transactions | Melio · verified 2026-09-07 · first-party · confidence: high |
Affiliate / referral program
Affiliate and referral economics are recorded here for transparency only. They carry zero weight in the finder, comparisons, or any recommendation on this site.
| Status | verified affiliate |
|---|---|
| Eligibility | Open application, approved individually; paid advertising (Google Ads, Facebook Ads, etc.) is prohibited; no cap on number of referrals; a higher, undisclosed tier exists for $500K+ monthly referred card volume |
| Source | Melio Affiliate Program for Small Businesses · verified 2026-09-07 |
Research notes
meliopayments.com redirects to melio.com; melio.com/accounts-payable/ was used as the canonical current source. Melio's commission rate is withheld pending individual affiliate approval, so it is recorded as unknown rather than estimated.
Last verified: 2026-09-07. Sources: https://melio.com/accounts-payable/, https://melio.com/security/, https://melio.com/affiliates/