The team at Melio is led by a group of fintech veterans and entrepreneurs with deep roots in global payments and product innovation. Co-founded in 2018 by Matan Bar (CEO), Ilan Atias (CTO), and Ziv Paz, the leadership team brings together high-level experience from industry giants like PayPal, eBay, and McKinsey. This expertise is direct
The team at Melio is led by a group of fintech veterans and entrepreneurs with deep roots in global payments and product innovation. Co-founded in 2018 by Matan Bar (CEO), Ilan Atias (CTO), and Ziv Paz, the leadership team brings together high-level experience from industry giants like PayPal, eBay, and McKinsey. This expertise is directed toward a singular mission: "keeping small business in business" by modernizing the outdated world of B2B paper checks. The executive layer has recently expanded to include specialized roles like a Chief Financial Officer and Chief Compliance Officer, reflecting the company's rapid scale and its strategic integration with partners like Xero.
Melio is an accounts payable and receivable platform designed to help small businesses manage their cash flow by offering extreme payment flexibility. Its standout feature is the ability to pay business bills via ACH bank transfer (free) or credit card (2.9% fee), even if your vendor only accepts paper checks; Melio handles the conversio
Melio is an accounts payable and receivable platform designed to help small businesses manage their cash flow by offering extreme payment flexibility. Its standout feature is the ability to pay business bills via ACH bank transfer (free) or credit card (2.9% fee), even if your vendor only accepts paper checks; Melio handles the conversion by mailing a physical check or depositing funds on your behalf. This allows you to earn card rewards and hold onto your cash for up to 45 days.
The platform also streamlines administrative tasks through AI-powered bill capture and seamless two-way synchronization with accounting software like QuickBooks and Xero.
By using a credit card with Melio, you earn all the standard rewards offered by your card provider—such as cashback, airline miles, or travel points—even for expenses like rent or utilities that typically don't accept cards. Beyond these standard perks, Melio currently offers a partnership with Mastercard where eligible business cardhold
By using a credit card with Melio, you earn all the standard rewards offered by your card provider—such as cashback, airline miles, or travel points—even for expenses like rent or utilities that typically don't accept cards. Beyond these standard perks, Melio currently offers a partnership with Mastercard where eligible business cardholders can receive up to $100 in automatic fee credits to offset the 2.9% transaction cost. Additionally, paying by card provides a "cash flow float," allowing you to hold onto your business capital for up to 45 extra days until your statement is due, which can be strategically used to meet high "minimum spend" requirements for massive new-card welcome bonuses.
"Effortless B2B" approach helps business owners save time through automated syncs with tools like QuickBooks and Xero, ensuring that managing expenses is as simple as sending a digital invoice.
"Click the image above to get started with Melio"
"Capital One card for you. Quick pre-approval with no credit score impact and click above to apply"
We are committed to delivering customer-centric financial services that offer innovative banking solutions for a smarter tomorrow. If you have questions, ideas, or want to learn more about our fee-free banking solutions, our team is ready to assist you. Reach out with confidence—your journey in innovating banking begins here.
Today | By Appointment |
"Digital-first banking support. All appointments are held via live online chat for your convenience and privacy."
