Melio API
Melio is a B2B payments platform for accounts payable and receivable, letting businesses pay bills and get paid via ACH, instant transfers, virtual cards, and paper checks, with OCR bill capture, approval workflows, and two-way QuickBooks and Xero sync. An unofficial API lets you programmatically pull bills, vendors, payments, invoices, and approval status—and push actions like scheduling payments, creating invoices, and onboarding vendors back into Melio.
What is Melio?
Melio is a B2B payments platform that lets businesses pay their bills and get paid online, covering both accounts payable and accounts receivable. Customers capture bills via OCR scanning or email, route them through multi-level approval workflows, and pay vendors by ACH, instant transfer, credit card, virtual card, paper check, or international payment—while syncing bills, vendors, and payments two-way with QuickBooks and Xero. Melio also offers a fully embedded solution that lets SaaS companies, B2B marketplaces, and financial institutions deliver branded AP and AR experiences inside their own products.
Core product areas include:
- Accounts Payable (OCR bill capture, multi-level approval workflows, recurring and batch payments)
- Accounts Receivable (customizable invoices, payment links, automatic reconciliation)
- Payment Methods (ACH, instant transfers, credit and virtual cards, paper checks, international payments)
- Vendor Management (vendor onboarding, W-9/1099 collection, centralized vendor directory)
- Pay-over-time financing (Net 30 and up to 12 monthly installments)
- Accounting Sync (two-way QuickBooks and Xero integration) and embedded partner platform
Common data entities:
- Bills, Invoices, Line Items, Due Dates
- Vendors, Vendor Directory, W-9/1099 Tax Forms
- Payments, Payment Methods, Payment Schedules, Funding Sources
- Approvals, Approval Policies, Roles, Team Members
- Receivables, Payment Links, Reconciliation Records
- Accounting Sync Records (QuickBooks, Xero), Audit Trails
The Melio Integration Challenge
Businesses run their bill pay and vendor payments through Melio every day, but turning those portal- and workflow-driven actions into reliable API-driven automation is non-trivial:
- Partner-gated embedded API: Melio's payments API is offered through its partner program for SaaS, marketplaces, and financial institutions—direct programmatic access requires a partnership agreement and approval
- Web and mobile-first workflows: Bill capture, approvals, and scheduling are designed around the web and mobile app, so most businesses have no headless way to drive them
- Multi-method payment complexity: ACH, instant transfers, cards, virtual cards, checks, and international payments each carry their own funding-source, status, and settlement semantics
- Approval-policy state: Multi-level approvals by role, amount, and vendor mean a payment's lifecycle spans several states before funds move
- Accounting-sync coupling: Two-way QuickBooks and Xero sync must stay consistent, so external automations risk double-writing bills, vendors, or payments
- Authentication and session handling: Login plus MFA in payment environments complicates reliable headless automation
- Tax and compliance artifacts: W-9 and 1099 collection and audit trails require careful, accurate handling when pulled or pushed programmatically
How Supergood Creates Melio APIs
Supergood reverse-engineers Melio's authenticated browser and mobile flows to deliver a resilient API layer for your Melio account—across accounts payable, accounts receivable, vendors, and payments—without waiting on partner-program gating.
- Handles username/password and MFA (SMS, email, TOTP) securely in a managed session
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across Bills, Vendors, Payments, Approvals, and Receivables so you integrate once and rely on consistent objects
- Respects approval policies, funding sources, and accounting-sync state to avoid double writes against QuickBooks and Xero
Use Melio with AI agents: Melio MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your Melio workflows, payment methods, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Melio adapter tailored to your account, funding sources, and approval policies.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Melio evolves.
API Endpoints
Authentication
/authenticateAuthenticate to a Melio account using username/password, or MFA, and obtain a session token for downstream calls.
Bills
/billsList bills with filters for vendor, status, due date range, and approval state, including line items and amounts.
Payments
/schedule_paymentSchedule a payment against a bill, selecting the funding source and payment method (ACH, card, instant, or check).
Vendors
/vendorsRetrieve the vendor directory with contact details, payment preferences, and W-9/1099 tax form status.
Vendors
/create_vendorOnboard a new vendor with payment details and collect W-9 information for tax reporting.
Receivables
/invoicesPull issued invoices, payment links, and reconciliation status across accounts receivable.
Use Cases
Sync bills and payment status into your systems
- Pull bills, line items, and due dates captured via OCR into a single warehouse or ERP - Stream payment status events (scheduled, in transit, settled, failed) to downstream finance tools - Reconcile vendor and bill records against accounting data without manual export
Automate bill payment and approval workflows
- Schedule ACH, instant, card, or check payments against approved bills programmatically - Drive multi-level approvals by role, amount, and vendor without portal clicks - Trigger recurring and batch payment runs on a fixed cadence
Keep vendor and tax data in sync
- Onboard new vendors and push payment preferences to downstream CRM and ERP systems - Pull W-9 and 1099 tax form status for compliance reporting - Maintain a single source of truth for the vendor directory across tools
Manage receivables and reconciliation
- Create invoices and generate payment links for bank transfer or card payments - Pull received-payment events and match them to open invoices automatically - Surface overdue receivables to collections and cash-flow workflows
Technical Specifications
Authentication
Username/password and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated browser and mobile flows, plus Melio's partner payments API where the account is entitled
Response format
Normalized JSON across Bills, Vendors, Payments, Approvals, and Receivables objects
Rate limits
Adaptive throttling tuned to your account to stay within Melio-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for bills, payments, and approvals with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for bill capture, payment status changes, approvals, and invoice payment
Latency
Sub-second reads on cached entities; multi-second writes when scheduling payments through approval workflows
Throughput
Horizontally scaled workers sized to AP and AR payment volume across multiple funding sources
Reliability
Retry, backoff, and idempotency keys for payment scheduling, vendor creation, and invoice actions
Adaptation
Continuous monitoring of Melio releases, payment-method changes, and accounting-sync behavior
Frequently asked questions
No. Supergood works with your existing Melio account and authenticated sessions. The partner program and its embedded API are only required when you want Melio's officially brokered partner integration; Supergood gives you programmatic access without that gating.
All of the methods available in your Melio account, including ACH transfers, instant transfers, credit and virtual cards, paper checks, and international payments, each with normalized funding-source and status handling.
No. Supergood respects Melio's two-way accounting-sync state and uses idempotency keys to avoid double-writing bills, vendors, or payments back into QuickBooks or Xero.
Yes. Bills, vendors, payments, and approvals on the payable side and invoices, payment links, and reconciliation records on the receivable side are exposed through the same normalized API surface.
Supergood preserves your approval policies by role, amount, and vendor, so payments move through the same approval states programmatically as they would in the Melio app.