Accounts payable automation solution
Automate your AP from A-Z.
Save both time and money by automating every step of your AP process. Capture and categorize bills instantly, pay vendors effortlessly, and keep your payment operations under control, on time, and in sync.
AP done fast.
1
Capture
Email or import invoices to auto-fill vendor details, amounts, line items, and due dates.
2
Review
Stay in control. Review bills for accuracy and make adjustments if needed.
3
Approve
Set roles and permissions so teams can review and approve payments effortlessly.
4
Pay
Pay all of your vendors worldwide by card or ACH—in either USD or local currencies.
5
Sync
Payments sync automatically with Xero or Quickbooks1—no manual work required.
Payments that match your flow
Make payments stress-free
Handle payments with ease. Whether paying now or scheduling ahead, Melio helps you pay vendors on time without the last-minute scramble.
Pay vendors everywhere
Send domestic and international payments from one place. Pay in USD or local currencies and keep your payments organized and centralized.
Collaborate effectively
Empower your team to work with minimum friction. Everyone stays aligned and accountable—no bottlenecks, no confusion, just smooth teamwork.
Get faster AP answers
Handling bills and payments often comes with questions from your clients, vendors, or even your boss. Just ask Agent Mel, your built-in AI assistant and get answers.
Keep it all in sync
Melio connects seamlessly with Xero and QuickBooks1, keeping your books synced so your accounting stays clean, consistent, and easy to manage.
AP automation built for the way you work
Automatic bill capture
Effortlessly upload bills through automatic OCR scanning or by simply emailing them to your dedicated address.
Payment flexibility
Choose to pay by card,2 ACH, instant transfers, paper checks, and more. You pay your way while your vendors get paid their way.
International payments
Pay global vendors in USD or local currencies at competitive exchange rates. Payments can arrive as soon as the same day.
W-9 & 1099 integration
Easily request, collect, review, and edit contractor and vendor W-9s in one place. Then, sync with Tax1099 for seamless e-filing.3
Advanced workflows
Set up multi-level approvals by team members, roles, payment amount, and vendor to guarantee a fast and secure approval flow.
Bring in your team
Add team members with specific roles and permissions to maintain control. Viewers view, approvers approve, and admins oversee it all.
Recurring payments
Schedule recurring bill payments to vendors and billers in advance at the frequency that you choose and ensure on-time payments.
Do more at once
Upload bills and add vendors with a CSV and request all of their W-9s in one go. Pay bills either separately or in batch payments.
Save hours every week
Over 40 million bills and $100 billion in payments have run through Melio—helping businesses run smoother, avoid errors, and save over 15 hours of manual work each month.
$100B+
Payments processed
15H+
Hours saved monthly (average)
40M+
Bills paid
2M+
Vendors paid
*based on internal data, user surveys, and company records.
Away from your desk, not from your business.
Melio’s mobile app lets you review, approve, pay, and manage all your payables and receivables from your phone, no matter where you are—helping you stay on top of everything, even when you’re on the move.
Antares Advisors
“With Melio, we now save three to four hours monthly on global payments over our original method via our bank.” Bob Hettel, Founder
QBench
“The return we get from Melio makes the cost an easy decision.” Trevor Ewen, Chief Operating Officer
Latitude Bookkeeping Services
“One of the biggest benefits in Melio is in simplifying the process of paying bills from beginning to end.” David Perry, Founder
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Learn more about AP automation with Melio
AP automation (accounts payable automation) is when you shift the tasks of managing outgoing payments (receiving bills, matching them to orders, routing for approval, scheduling payment etc…) from manual spreadsheets and paper to smart digital workflows. Instead of your team spending hours keying in invoices and chasing down sign-offs, systems like Melio handle data capture, approval routing and payment processing for you.
Accounts payable automation has many benefits for businesses. Here are the biggest ones:
Time-saving: Automating tasks means fewer hours on data entry, approvals and chasing invoices.
Fewer mistakes: With less manual input, you reduce mis-entries, duplicate payments or missed bills.
Better cash flow control: Real-time visibility into what you owe (and when) enables smarter payment timing.
Stronger vendor relationships: Paying on time and being predictable helps build trust with suppliers.
Improved compliance & security: Digital trails, workflows and approval paths reduce risk of fraud or audit issues.
The AP workflow is the step-by-step process your business follows from receiving a bill to marking it paid. It typically goes something like this:
- Invoice receipt & capture (you get the bill, it’s logged)
- Verification & matching (check invoice against purchase order or delivery)
- Approval routing (sending to the right person for sign-off)
- Payment processing (issue the payment) & recording (update the ledger)
A well-designed workflow ensures you pay the right invoice, to the right vendor, at the right time—and have a clear record of it.
Here are things to look out for when choosing your accounts payable platform:
- Ease of use & adoption: If it’s too complicated, your team won’t use it.
- End-to-end coverage: It should cover all the steps in your workflow (invoice receipt, approval, payment, recording) rather than just one piece.
- Integration: Does it plug into your existing accounting/ERP system? Poor integration means extra work.
- Visibility & control: You want real-time dashboards, audit trails, and ability to manage cash flow from the platform.
- Scalability & cost: As your business grows your invoices will grow—make sure the software scales without huge jumps in cost.
- Vendor support/payments flexibility: Can you pay via different methods (ACH, card, etc)? Are vendors easy to onboard?
- Security & compliance: Make sure it meets the standards your business needs (data protection, audit-ready, etc).
Yes, you can use Melio to pay international vendors, contractors, and freelancers. Melio supports payments in either USD or select foreign currencies to vendors in eligible countries, and your vendors don’t need a Melio account to get paid. Eligible users can pay internationally with quick delivery times: USD payments arrive within 1–3 days, and foreign currency payments in up to 1 day with no extra fee. Delivery times may vary and are available for eligible users. Learn more here.
