How to Build Your Own Melio

Send ACH transfers to vendors and suppliers at no fee.

Set up automatic ACH payments on specified schedules.

Upload CSV files to process multiple payments in a single batch.

Schedule and automate recurring bill payments to service providers.

Print and mail physical checks directly from the platform.

AI-powered predictions of future cash flow based on scheduled payments.

Track spending patterns, payment trends, and vendor activity with detailed reports.

Visualize upcoming payments and cash flow requirements on a calendar view.

AI-driven insights on spending patterns and vendor relationships.

Maintain a centralized database of all vendor payment information and contacts.

Allow vendors to view payment status and manage payment methods.

Allow vendors to update payment methods and banking information independently.

Track vendor performance metrics including payment reliability and timeliness.

Automatically reconcile payments with bank statements for accounting accuracy.

Automatically categorize payments for better accounting and budgeting.

Match payments to invoices for accurate record-keeping and reconciliation.

Track all user actions and payment history with detailed audit trails.

Generate reports for compliance requirements including SOX and GDPR.

Configure custom approval workflows based on payment amount and type.

Receive payment confirmations and status updates via email.

Automated reminders for upcoming bill due dates and payment deadlines.

Receive instant alerts for payment status changes and approvals.

Identify and capture early payment discounts offered by suppliers.

Send unlimited ACH transfers with no per-transaction fees.

Organize users and payments by department with separate budgets and controls.

Set role-based permissions and approval workflows for team members.