Melio gives wealth managers, accounting firms, RIAs, and family offices a modern, secure platform for trust account payments and high net worth clients without the legacy alternative price tag.
Separate books, approval rules, and permissions per client or entity with a single login to see it all. Get fast answers about any payment from Agent Mel, your built-in AI assistant. Suitable for family office AP automation or individual trust clients.
Melio is SOC 2 Type II and ISO/IEC 27001:2022 certified, with MFA enforced and data encrypted at rest and in transit. Multi-step approval workflows and role-based permissions support SEC Custody Rule requirements.
Clients pay by ACH or credit card even where cards aren’t accepted.* Vendors receive payment via wire, check, ACH, or single-use virtual card. Fast and instant payments available for time-sensitive payments. Pay internationally in USD or in 15 local currencies across 80+ countries.
Set up multi-step approval workflows so the right bills reach the right people automatically. When a payment is submitted, approvers can approve directly from their email or the Melio app. Every approval is logged, giving you a clear audit trail across every client and entity.
Melio syncs two ways with Xero, QuickBooks, and NetSuite to automate your reconciliation process. Bills come in via dedicated inbox, drag-and-drop, or direct sync, and AI bill capture extracts the details automatically.
The Accountants Dashboard is your control center. Add your clients, manage their bill payments, and switch between accounts without losing context.
Managing a multi-entity portfolio? Set separate controls for every trust, LLC, and foundation in your account without integrating new software. Just sign up to get started.
Sign up for an Accountant plan to manage all your clients’ bill pay, for free.
Client accounts are free for 45 days with subscriptions discounted up to 45% after the trial period.
The more clients you manage with Melio, the more benefits you get to enjoy for your clients and firm.
"Given that we work closely with developers who can open as many as 10 to 20 new entities a year, and they look to us to keep them on track, Melio supports our needs for multiple new entities under common ownership." Bruce Robertson, Head of Growth & Development
“Because Melio is transparent, everybody is alerted that a bill pay has been initiated. You have the ability to cancel a payment, you have the ability to transfer funds in time, you have the ability to plan ahead." Becky Rogoff, Founder
“Being able to pay suppliers and contractors with a credit card through Melio saves me and my business a combined six figures every year.” David Perry, Founder
Wealth management businesses (including accounting firms, RIAs, and self-managed or single family offices) can use Melio for free, with advanced approval workflows and unlimited users by choosing an Accounting plan at sign up.
Client accounts are free for 45 days with subscriptions discounted up to 45% after the trial period as a benefit of our Accounting Partner Program.
Yes. Melio is SOC 2 Type II certified and compliant with ISO/IEC 27001:2022, ISO/IEC 27017, and ISO/IEC 27018. All data is encrypted at rest (AES-256) and in transit (TLS 1.3), with MFA enforced across the platform.
Our platform features two-way sync with Xero, QuickBooks, and NetSuite so you can keep your books accurate with as little manual entry as possible. Multiple entities can be managed from a single Melio account.
Yes. Self-managed and single family offices can sign up directly and manage all entities in-house. Melio is easy to use and simplifies family office AP automation.
Most firms are live in their account within minutes. Dedicated onboarding support is included for all accounting partners who need assistance.
Your vendors don’t need to sign up or change anything. We’ll send them money as a guest however they prefer: check, bank transfer, wire, or single-use virtual card. The payment can be delivered at multiple speeds—even same-day if needed.
Reach out to our team with anything you need and we will get back to you as quickly as we can. We also have a self-serve help center, and other resources that can provide knowledge support when you need it.
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If you are a resident of California, you have the right to opt-out of the selling or sharing of your personal information. To exercise this right, please provide your State and Country of residency. Please note that when you submit an opt-out we do not know who you are within our systems, and your opt-out will apply only to information collected from tracking technologies on the specific browser from which you opt-out. If you delete or reset your cookies, or use a different browser or device, you will need to reconfigure your settings. If you want the opt-out to apply to information we have about you in our systems, such as your email address, please also provide your full name, email address, and phone number. Any information you provide below will not be used, disclosed, or retained for any purpose other than processing the request to opt-out of sale/sharing.
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