Wallets/melio
Melio
0 standards supported
Overview
Melio is a US small-business accounts-payable/receivable platform that lets SMBs pay vendors by bank transfer or card — even when the vendor doesn't accept cards — and receive payments, with deep accounting integrations [1, us-cro]. Its signature feature is letting a business pay any bill with a card (Melio sends the recipient an ACH/check), helping SMBs manage cash flow, competing with [[bill-com]] and [[tipalti]].
Melio reached a ~$4B valuation in 2021 and powers embedded AP for partners such as Intuit QuickBooks.
History
2018 — Melio founded in New York/Tel Aviv by Matan Bar, Ilan Atias and Ziv Paz [2].
2020 — COVID-driven SMB adoption of digital bill pay accelerated growth.
2021 — Series C/D at ~$4B valuation [2], funding product and embedded-partnerships expansion.
2022-2025 — Embedded AP focus, including powering bill pay inside partner platforms (e.g., Intuit QuickBooks Bill Pay), with continued US-SMB focus.
Ownership & operator
Operating entity: Melio Payments Inc. (US/Israel roots).
Founders: Matan Bar (CEO) + Ilan Atias + Ziv Paz.
Investors: Accel, General Catalyst, Coatue, Tiger Global, Thrive Capital, American Express Ventures and others.
Regulators: FinCEN + state money-transmitter regimes.
Technical integration
| Layer | Description |
|---|---|
| Channels | Web app + embedded AP/AR via partner platforms + API |
| Identifiers | Vendor bank accounts + payer cards + email-based vendor onboarding |
| Pay-by-card | Pay any vendor with a card; recipient receives ACH or paper check |
| Stack | Bill pay, invoicing/receivables, approvals, accounting sync |
| Customer focus | US small businesses + embedded-partner platforms |
Implementations & partners
Operator: Melio Payments Inc.
Embedded partners: Intuit QuickBooks (bill pay) and other SMB platforms.
Rails: ACH bank transfers, paper checks, and card funding (Visa/Mastercard/Amex).
Competitors: [[bill-com]], [[tipalti]], [[ramp]] (bill pay), Plastiq.
Regulators: FinCEN + state money-transmitter regimes.
Status
Active, a leading US SMB AP/AR + embedded bill-pay platform [1, 2]:
- Melio Payments Inc., CEO Matan Bar.
- ~$4B valuation (2021).
- Pay-any-vendor-by-card + embedded AP for partners like Intuit QuickBooks.
- FinCEN + state money-transmitter regulated.
Sources
- 1 Melio — official
- 2 Melio — Wikipedia
- us-cro In-corpus: see US country report
Source
Biography extracted from melio.md. See matrix.md for standards-support matrix if present.