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Finance AI Agent
Your secret weapon for AP clarity.
Meet Agent Mel—the AI assistant on a mission to answer your accounts payable questions. Ask about bills, payments, or vendors and get the intel you need.
How to activate Agent Mel for AP
Ask about AP activity
Ask a question in natural language, like “Show me all recurring payments made in 2025”.
Get insights, fast
Agent Mel processes your live data on the spot, giving you clarity to make strategic decisions.
From question to action in seconds
Simplify the tough stuff
Analyze year-to-date vendor spend or track overdue payment trends with a single question. Take analysis from complex to conversational and skip the spreadsheet mess.
Go from reactive to proactive
Agent Mel helps you spot overdue payments, cash flow issues, and vendor risks early. Use real-time data to fuel business decisions, saving time and money along the way.
Free your time for growth
Routine AP questions and data analysis don’t need to eat up your day. Let Agent Mel give you more time for strategic planning decisions that move your business forward.
Use it in the Melio you know
There’s no learning curve and no new technology to master. Using Agent Mel feels like messaging a Melio expert, right inside your account.
Start saving time from the first prompt
CPA Business Advisors
"The questions that I asked Agent Mel are questions that I search for all the time. It provided the answers quickly so I don't need to dig around.” Kathylee Velazquez
FAQ
Agent Mel is Melio’s AI assistant that gives you fast answers about bills, payments, and vendors. Think of it like having a super-knowledgeable colleague who never takes a vacation.
Agent Mel is available to accountants using Melio’s Accountants Dashboard and to business owners or finance teams managing their own AP. If you work with bills and payments, Agent Mel is the finance AI agent for you.
Note that if you are an accountant with clients on Melio, your clients will not have access to Agent Mel.
Ask anything you’d normally need to look up: “Show unpaid bills for ABC Company,” “What payments went out yesterday,” or “Which vendors are overdue?” You can also ask Agent Mel about Melio’s platform, from new features to existing workflows.
Agent Mel is currently only trained on AP, but we’ll be adding more capabilities in the future.
No, Agent Mel is designed to make finding information faster, not to change how you work—like a shortcut to the answers you need most often.
With that said, Agent Mel is an AI finance agent that can also handle complicated tasks that would normally require custom reports or spreadsheets—like year-to-date vendor spend or payment trends—just by asking.
Agent Mel uses your real Melio data, but like any AI tool, it’s not perfect. That’s why we clearly mark it as Beta and always recommend double-checking important details before taking action.
Absolutely. Agent Mel works entirely within Melio’s secure environment with the same privacy and security standards you’re already used to. Melio is SOC 2 Type II certified and compliant with ISO/IEC 27001:2022, ISO/IEC 27017, and ISO/IEC 27018. We’re trusted by over 100,000 businesses to process payments securely.
Look for the diamond “Agent Mel (Beta)” button on the top-right of your Melio dashboard. Click it, ask a question, and see what happens. No setup required. Learn more in this article.
