Melio

Who we are

Melio, a Xero (ASX: XRO) company, serves U.S. SMBs and accounting firms with accounts payable, receivable, and cash flow management solutions. Melio’s leading platform integrates with and maintains partnerships with major financial institutions, allowing businesses to sync payment data and avoid manual entry. Melio also acts as a technology service provider for vertical SaaS platforms and financial institutions, including Capital One and Shopify, as well as distribution partners such as Fiserv, through a syndication model. Processing over $100B annually, Melio continues to operate as a standalone platform while leveraging Xero’s global scale to build a unified financial ecosystem. To support this scale and seamless integration, Melio’s technology stack is built entirely on AWS Serverless architecture, utilizing TypeScript, relational and document databases, and deploying via SAM CLI on CloudFormation to maintain enterprise-grade reliability, security, and developer agility.