Melio API
An embedded, white-label payments API powers partners like Shopify Bill Pay and Fiserv, with SSO, a sandbox, an OpenAPI reference, and webhooks. Onboarding runs through a partner intake form, though a free developer account exists. Rate limits, SLAs, and the event catalog are unpublished.
Frequently asked questions
Melio scores F on the API Report Card. An embedded, white-label payments API powers partners like Shopify Bill Pay and Fiserv, with SSO, a sandbox, an OpenAPI reference, and webhooks. Onboarding runs through a partner intake form, though a free developer account exists. Rate limits, SLAs, and the event catalog are unpublished.
Without a usable official API, teams fall back on manual exports, file drops, or one-off vendor integrations. The other option is an unofficial API layer like Supergood that automates the authenticated web app directly.
Melio is a New York-headquartered B2B fintech (offices in Denver and Tel Aviv, founded 2018 by Matan Bar, Ilan Atias, and Ziv Paz) that operates an all-in-one bill pay, invoicing, and embedded B2B payments platform for U.S. small and mid-sized businesses.
Vertical: Financial Services (B2B payments, AP automation, AR / invoicing, embedded payments, SMB fintech). Bill ingestion via upload, email-in, OCR scan, vendor portal, or API push from a partner platform. AI-assisted bill data extraction and GL coding ("Agent Mel" AI assistant for vendor/bill Q&A).
High within SMB AP and embedded SMB payments. Direct platform: 100K+ businesses paying bills; $100B+ cumulative volume; 40M+ bills processed.
Bills (AP): vendor, invoice #, invoice date, due date, amount, line items, GL / class / department / location coding, attached image, approval status, audit log.
Founded 2018; ~8 years old as of 2026. One of the younger pure-play SMB AP fintechs, meaningfully newer than BILL (2006) or AvidXchange (2000), comparable in vintage to Ramp (2019), Mercury (2017), and Brex (2017).
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.
Yes. Supergood maintains an unofficial Melio API and MCP server so AI agents and internal tools can read and write Melio data. See the Melio integration docs at supergood.ai/docs/melio-api.