# Melio

> Source: https://docs.barcoder.ai/docs/wallets/melio
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Melio — official](https://meliopayments.com/)

## Overview

**Melio** is a **US small-business accounts-payable/receivable platform** that lets SMBs **pay vendors by bank transfer or card** — even when the vendor doesn't accept cards — and receive payments, with deep accounting integrations <sup>[1][1], [United States report](https://docs.barcoder.ai/docs/payments/US)</sup>. Its signature feature is letting a business **pay any bill with a card** (Melio sends the recipient an ACH/check), helping SMBs manage cash flow, competing with **[BILL](https://docs.barcoder.ai/docs/wallets/bill-com)** and **[Tipalti](https://docs.barcoder.ai/docs/wallets/tipalti)**.

Melio reached a **~$4B valuation in 2021** and powers embedded AP for partners such as **Intuit QuickBooks**.

## History

**2018 — Melio founded** in New York/Tel Aviv by **Matan Bar, Ilan Atias and Ziv Paz** <sup>[2][2]</sup>.

**2020 — COVID-driven SMB adoption** of digital bill pay accelerated growth.

**2021 — Series C/D at ~$4B valuation** <sup>[2][2]</sup>, funding product and embedded-partnerships expansion.

**2022-2025 — Embedded AP focus**, including powering bill pay inside partner platforms (e.g., Intuit QuickBooks Bill Pay), with continued US-SMB focus.

## Ownership & operator

**Operating entity**: **Melio Payments Inc.** (US/Israel roots).

**Founders**: **Matan Bar (CEO) + Ilan Atias + Ziv Paz**.

**Investors**: Accel, General Catalyst, Coatue, Tiger Global, Thrive Capital, American Express Ventures and others.

**Regulators**: **FinCEN** + **state money-transmitter** regimes.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Web app + embedded AP/AR via partner platforms + API |
| **Identifiers** | Vendor bank accounts + payer cards + email-based vendor onboarding |
| **Pay-by-card** | Pay any vendor with a card; recipient receives ACH or paper check |
| **Stack** | Bill pay, invoicing/receivables, approvals, accounting sync |
| **Customer focus** | US small businesses + embedded-partner platforms |

## Implementations & partners

**Operator**: **Melio Payments Inc.**

**Embedded partners**: **Intuit QuickBooks** (bill pay) and other SMB platforms.

**Rails**: ACH bank transfers, paper checks, and card funding (Visa/Mastercard/Amex).

**Competitors**: **[BILL](https://docs.barcoder.ai/docs/wallets/bill-com)**, **[Tipalti](https://docs.barcoder.ai/docs/wallets/tipalti)**, **[Ramp](https://docs.barcoder.ai/docs/wallets/ramp)** (bill pay), Plastiq.

**Regulators**: **FinCEN + state money-transmitter regimes**.

## Status

**Active**, a leading US SMB AP/AR + embedded bill-pay platform <sup>[1][1], [2][2]</sup>:
- **Melio Payments Inc.**, CEO **Matan Bar**.
- **~$4B valuation (2021)**.
- Pay-any-vendor-by-card + embedded AP for partners like Intuit QuickBooks.
- **FinCEN + state money-transmitter regulated**.

## Sources

[1]: https://meliopayments.com/ "Melio — official"
[2]: https://en.wikipedia.org/wiki/Melio_(company) "Melio — Wikipedia"
[us-cro]: https://docs.barcoder.ai/docs/payments/US

- [1] [Melio — official][1]
- [2] [Melio — Wikipedia][2]
- <sup>[United States report](https://docs.barcoder.ai/docs/payments/US)</sup> In-corpus: see US country report

## Source

Biography extracted from [melio.md](https://docs.barcoder.ai/source/wallets/melio). See `matrix.md` for standards-support matrix if present.