# Melio

**Canonical:** https://apis.io/providers/melio/  
**Website:** https://meliopayments.com/  
**APIs profiled:** 1

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.

## Kin Score — 39.6 / 100 (developing)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 39.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 37.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 71.1 |
| Access Clarity | 71.1 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 18.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Requires approval — onboarding: approval, pricing: freemium, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (2)

- **Melio Domain Security** — TLSv1.3 · HSTS · DMARC
- **Melio Vulnerability Disclosure** — disclosure policy published

## Plans (1)

- **Melio Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/melio/). Scores are computed from the provider's own public artifacts under a published rubric.