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 is listed with 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 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

33.2/100 thin ▬ flat Agent 16/100 agent aware Front door AI 5/6 prominent Heartbeat 32/100 slowing saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFreemiumApproval

1 API

B2B Payments Accounts Payable Accounts Receivable Bill Pay Vendor Payments ACH Fintech Small Business Embedded Finance Payment Processing

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 33.2/100 · thin

Contract Quality 7.4 / 21

Developer Ergonomics 4.3 / 17

Access Clarity 6.2 / 17

Operational Transparency 3.2 / 11

Contract Governance 0.0 / 10

Discoverability 6.2 / 9

Regulatory Posture 4.2 / 15

Agent readiness — 16/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 34.7 — up to +16.3 composite points Ask about this →
Developer Ergonomics scores 25.0 — up to +15.0 composite points Ask about this →
Access Clarity scores 36.2 — up to +12.8 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/melio/apis.yml: open an issue on github.com/api-evangelist/melio to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

NACHA

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

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...

Melio API pricing

Not yet checked against Melio's own pricing page. Compiled by API Evangelist on 2026-06-13; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Go	Free
Core	$25
Boost	$55
Unlimited	$80
Platinum	—

Plan details, limits and sources →

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

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Melio

17 quoted statements, read from Melio's own page on 2026-11-10.

PRIVACY

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

no policy recorded

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

Plans

FinOps

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 3

Properties that don't map to a standard resource type

OpenIDConnect

OpenIDConnect

DataProcessing

DataProcessing

Source (apis.yml)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Freemium · Requires approval
  confidence: low
  source:
  - plans
  - security
  - url: https://meliopayments.com/
    status: 301
    note: declared website redirects to https://melio.com/ — a different registrable domain (meliopayments.com -> melio.com),
      possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-11-13'
  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: '0.23'
tags:
- B2B Payments
- Accounts Payable
- Accounts Receivable
- Bill Pay
- Vendor Payments
- ACH
- Fintech
- Small Business
- Embedded Finance
- Payment Processing
tags_raw:
- 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
  - Webhook
  tags_raw:
  - 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: OpenIDConnect
  url: https://meliopayments.com/.well-known/oauth-authorization-server
- 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
- type: DataProcessing
  url: privacy/melio-privacy-policy.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Melio API — frequently asked questions

Does Melio have an API?

Yes. APIs.io lists 1 API from Melio, including Melio Payments API.

Is there an OpenAPI specification for the Melio API?

Yes. APIs.io indexes 1 OpenAPI specification for Melio, each linked for download from this page.

How do I authenticate with the Melio API?

Melio uses bearer-token authentication.

How much does the Melio API cost?

APIs.io lists 5 pricing plans for Melio, with each plan's price, limits and inclusions under Pricing on this page.

Is the Melio API ready for AI agents?

Melio has a Kin Score of 33.2 out of 100 (thin) and an Agent Readiness score of 16.1 (agent-aware), scored by API Evangelist on 2026-11-13.

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