Melio website screenshot

Melio

Melio is a B2B payments platform for small businesses that provides a REST API for managing bills, vendors, payment methods, scheduling payments, and syncing with accounting software including QuickBooks, Xero, and NetSuite. Melio enables software companies to embed bill pay, vendor payments, and invoicing directly inside their products with ACH and card options. Founded in 2018, Melio has processed over $100B in payments for 100,000+ business users and 2M+ vendors.

Melio publishes 1 API on the APIs.io network: Payments API. Tagged areas include B2B Payments, Accounts Payable, Accounts Receivable, Bill Pay, and Vendor Payments.

The Melio catalog on APIs.io includes 1 JSON-LD context.

Melio’s developer surface includes documentation, engineering blog, pricing, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub
38.2/100 thin ▬ flat Agent 19/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemiumApproval
1 APIs
B2B PaymentsAccounts PayableAccounts ReceivableBill PayVendor PaymentsACHFinTechSmall BusinessEmbedded FinancePayment Processing

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 38.2/100 · thin
Contract Quality 11.3 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 2.7 / 13
Governance 0.0 / 12
Discoverability 6.9 / 10
Agent readiness — 19/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/melio: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Melio Payments API

REST API for managing bills, vendors, payment methods, and scheduling payments. Supports ACH transfers, check payments, wire transfers, and international payments. Includes webh...

Pricing Plans 1

Published pricing tiers and plan structures.

Melio Plans Pricing

5 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Melio Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Melio Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Melio Context

19 classes · 1 properties

JSON-LD

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Melio Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Melio Vulnerability Disclosure

disclosure policy published

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg
GitHubOrg

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 RateLimits
RateLimits
 HelpCenter
HelpCenter

Commercial 5

Pricing, plans, and the legal terms of use

Pricing
Pricing
 Plans
Plans
 FinOps
FinOps
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

X
X

Source (apis.yml)

apis.yml Raw ↑ 
aid: melio
name: Melio
description: Melio is a B2B payments platform for small businesses that provides a REST API for managing bills, vendors, payment
  methods, scheduling payments, and syncing with accounting software including QuickBooks, Xero, and NetSuite. Melio enables
  software companies to embed bill pay, vendor payments, and invoicing directly inside their products with ACH and card options.
  Founded in 2018, Melio has processed over $100B in payments for 100,000+ business users and 2M+ vendors.
type: Index
accessModel:
  pricing: freemium
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Freemium · Requires approval
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/melio.png
url: https://raw.githubusercontent.com/api-evangelist/melio/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
tags:
- B2B Payments
- Accounts Payable
- Accounts Receivable
- Bill Pay
- Vendor Payments
- ACH
- FinTech
- Small Business
- Embedded Finance
- Payment Processing
apis:
- name: Melio Payments API
  description: REST API for managing bills, vendors, payment methods, and scheduling payments. Supports ACH transfers, check
    payments, wire transfers, and international payments. Includes webhook support, a sandbox environment, and integrations
    with accounting software.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://meliopayments.com/partners/
  baseURL: https://api.meliopayments.com
  tags:
  - Payments
  - Bills
  - Vendors
  - ACH
  - Webhooks
  properties:
  - type: Documentation
    url: https://meliopayments.com/partners/
  - type: Sandbox
    url: https://alpha-api.meliopayments.com/
  - type: OpenAPI
    url: https://alpha-api.meliopayments.com/
  - type: PostmanCollection
    url: https://meliopayments.com/partners/
  contact:
  - FN: Melio Support
    email: support@melio.com
    url: https://help.melio.com/hc/en-us
common:
- type: VulnerabilityDisclosure
  url: security/melio-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/melio-domain-security.yml
- type: Website
  url: https://meliopayments.com/
- type: Documentation
  url: https://meliopayments.com/partners/
- type: GitHubOrg
  url: https://github.com/melio-payments
- type: LinkedIn
  url: https://www.linkedin.com/company/meliopayments/
- type: Blog
  url: https://meliopayments.com/blog/
- type: Pricing
  url: https://meliopayments.com/pricing/
- type: StatusPage
  url: https://meliopayments.com/security/
- type: X
  url: https://x.com/MelioPayments
- type: Plans
  url: plans/melio-plans-pricing.yml
- type: RateLimits
  url: rate-limits/melio-rate-limits.yml
- type: FinOps
  url: finops/melio-finops.yml
- type: TermsOfService
  url: https://meliopayments.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://meliopayments.com/legal/privacy-policy
- type: HelpCenter
  url: https://help.melio.com/hc/en-us
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com