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 Rate limits, SLAs, and the event catalog are unpublished.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 Supergood's 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 Rate limits, SLAs, and the event catalog are unpublished.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. Site terms may apply to any integration approach, and how they apply is a determination each team makes for itself.
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).
Supergood's grades measure one thing: can a customer's engineering team get their own data out programmatically? Supergood checks six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and rolls them into a letter grade. Supergood re-verifies grades, and they only move on evidence.
Yes, via a managed API layer. Supergood builds REST APIs and MCP servers for authenticated enterprise web apps, so AI agents and internal tools can read and write data programmatically. Site terms may apply to any integration approach, and how they apply is a determination each team makes for itself.
Not that we could find. As of August 2026 there is no official Melio MCP server in any public registry, and no maintained community server we're aware of. We re-verify this periodically — report an inaccuracy below if we missed one.
Not natively. Melio doesn't publish an MCP server, so MCP clients like Claude, Cursor, and Codex have nothing to connect to out of the box. If that changes, this page will reflect it.