Melio

Freemium

The intelligent B2B payment engine for seamless accounts payable and receivable automation.

Capabilities: Vendor payment automation Invoice digitizing Approval workflow management Cross-border B2B transfers 1099 contractor management

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9.5

Protocol Reliability Score

Overview

Melio has positioned itself as a critical bridge in the 2026 B2B financial ecosystem, specifically catering to the SMB market and accounting firms. Its technical architecture leverages a middleware payment processing layer that decouples the sender's payment method from the recipient's preferred collection method. This allows businesses to pay via credit card to extend float and earn rewards, even if the vendor only accepts ACH or paper checks. By 2026, Melio has deeply integrated AI-driven OCR and predictive liquidity modeling into its core engine, ensuring 99.9% accuracy in invoice data extraction and automated reconciliation with major ERPs like QuickBooks, Xero, and NetSuite. The platform operates on a 'headless' capable infrastructure, offering APIs for embedded finance, which allows other SaaS platforms to integrate Melio's payment rails directly into their own UI. Its market position is defined by removing the friction of manual data entry and providing a unified dashboard for cross-border and domestic settlements without the overhead of enterprise-level ERP costs.