Back to Blog
Published at

Check out Melio’s new Pay experience to streamline your AP

A floating screen shows Melio’s new Pay experience on a purple background. On the right, Melio’s brand character is wearing a party hat and blowing confetti.
Headshot of Itamar Lapidot, product manager at Melio.
Itamar Lapidot Product Manager
Published at

Melio is launching a new Pay experience to better suit the workflows of small and medium-sized businesses (SMBs). The fresh new look allows you to send payments to vendors even more quickly and seamlessly. 

You’ll still have all the functionalities and features you’re used to including paying with a credit card, combined payments, financing, and everything else you need to manage your accounts payable (AP). It’ll just be easier to navigate. 

Here’s how the experience will look like from now on and how it helps your business streamline AP.

Why change?

We take our mission to keep small business in business very seriously. To make sure we’re in line with this mindset, we periodically conduct interviews with users to learn how we can improve our product to better suit their needs and workflows.

Over time, we learned that many of our SMB users prefer a vendor-first approach that focuses on the different parties they need to pay instead of on individual bills. We also realized that sometimes you need to send a business payment even if you don’t have a bill. So, we added these capabilities.

The new table view also provides greater visibility. This is important to many users as it allows them to see all the relevant details in a single glance without clicking on each item to preview. In other words, it saves time while providing a better picture of your overall financial situation.

What’s new in Melio’s new Pay experience?

Our business-to-business (B2B)Business-to-business (B2B)Business-to-business refers to operations done between businesses. B2B payments are transactions made between two businesses or companies. payment platform is built specifically for the needs of SMBs. With that in mind, we strive to create a simple and streamlined payment experience, offering all the capabilities small businesses need, without over-complicating things.

When signing in to your Melio account and heading to Pay you’ll now find three new tabs: Vendors, Bills, and Payments.

If you previously applied and were approved for financing, you’ll also see another tab called Financing. Owners and admins will see an Approvals tab as well. 

Each tab allows you to view the most important details for all items in a single table without having to click on individual entries. You can also use the search box to find the item you’re looking for according to the vendor’s name or the sum of the bill or payment.

Below, we’ll examine the capabilities and appearance of each tab.


The Vendors tab is the first one you’ll see when you sign in to your account or click Pay. 

Here, you can view, manage, and edit all your existing vendors or add new ones. You can easily see how many unpaid bills you have for each vendor as well as your open balance. 

You can also start a payment directly from the vendor tab. Either cover the whole balance in a single flow, choose a specific bill to pay, or start a new payment. To speed up the process you can now pay any sum you owe without adding the bill details.

For quick reference, the table in this tab also shows you when you last paid each vendor.

A screenshot of the Vendors tab in Melio's new Pay experience.


Here, you’ll find all your open bills whether they were synced from your accounting software, manually added to Melio, or sent directly to your Pay inbox.

You can arrange your bills according to their due date and quickly send a payment for one or more bills at a time. Several bills to the same vendor can be combined into a single payment to make reconciliation easier and save on fees.


This tab will only be visible to you if you’re the owner of the business or an account admin. Here you’ll see all pending payments created by other team members that require your approval according to the rules you set for payment approval workflows.

So, for example, if you decide any payment over $800 requires approval, you’ll find all the pending payments exceeding this sum in this tab. 

You can then approve or decline them individually or choose several items to manage at once.


From this tab, you can view payments already scheduled, check their status, cancel a payment, or edit any details. 

You can also filter the payments according to their status: scheduled, in progress, or paid. A Failed filter will appear if you have any payments that didn’t go through for any reason, for example, in case of insufficient funds or wrong bank details.

A screenshot of the Payments tab in Melio's new Pay experience.


This tab only appears if you’re already using Melio’s financing solution, pay over time. With pay over time, you can choose net 30 or divide a large payment into up to 12 monthly repayments and your vendor still gets paid right away.

While the full payment to the vendor appears in the Payments tab, the Financing tab provides a picture of your installments. Here, you can view the status of your installments, see how many repayments you have left, as well as when and how much you’ll be charged. 

You can also see the total credit approved for your business as well as how much credit you still have available.

A screenshot of the Financing tab in Melio's new Pay experience.

How this change affects your business

You can continue to use Melio for all your B2B payments, just like you’re used to.

When your account is moved to the new experience, all of your information—including bills, vendors, payments, payment methods, and accounting software sync—moves with you, to ensure you have a seamless transition.

Learn more about the new Pay experience in our help center.

Ready to pay?

Sign in to Melio to pay all your business bills from one place, with a workflow built specifically for the needs of small businesses.

*This blog post is intended for informational purposes only and is not intended as financial advice.
**Melio does not provide legal, tax or accounting advice, and you should consult with a professional advisor before making any financial decisions.