Melio is a B2B accounts payable and bill pay platform for small businesses, accountants, and bookkeepers in the United States that lets companies pay vendors by ACH, check, or credit card while vendors choose how they receive payments. Marketed as accounts payable software for small business, Melio combines free ACH bank transfers, paper check delivery, credit card-funded payments to any vendor, scheduled and recurring payments, multi-user approval workflows, automated invoice capture, vendor management, and integrations with QuickBooks Online, Xero, FreshBooks, and major accounting platforms. Melio is a strong fit for small businesses paying vendors who only accept checks, accountants managing client AP at scale, and growing companies extending working capital by paying suppliers via credit card.