# Melio — Payment Provider

A B2B payment platform that lets small businesses pay vendors by ACH, check, or credit card even when vendors don't accept cards. Melio simplifies accounts payable by enabling businesses to earn card rewards while paying suppliers who only accept bank transfers. Free for ACH payments with a simple, user-friendly interface.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** B2B payments
- **Fees:** 2.9%
- **Fee range:** 2.9%–2.9%
- **Fee model:** flat-rate
- **Headquarters:** New York, New York, United States
- **Founded:** 2018
- **Settlement time:** Same day
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** north-america
- **Countries served:** 1 (US)
- **Payment methods:** ach, check, credit_card, payment_link, wire_transfer
- **Features:** low-fees, startup-friendly
- **Platforms:** mobile, online
- **SDKs:** rest-api
- **API docs:** https://meliopayments.com/partners

## Legal & compliance

2 legal entities on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/melio#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=melio&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/melio

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)