{
  "id": "melio--xero",
  "schema_version": "1.2",
  "app": {
    "slug": "melio",
    "name": "Melio",
    "vendor": "Melio",
    "website": "https://meliopayments.com",
    "categories": [
      "bills",
      "payments"
    ],
    "owned_by_platform": false
  },
  "ecosystem": "xero",
  "connection": {
    "built_by": "app-vendor",
    "method": "native-api",
    "marketplace_listing_url": "https://apps.xero.com/us/app/melio-payments",
    "setup_docs_url": "https://meliopayments.com/integrations/xero/",
    "certified_by_ecosystem": {
      "value": true,
      "src": [
        "s1"
      ]
    }
  },
  "sync": [
    {
      "object": "bills",
      "direction": "two-way",
      "notes": "Awaiting Payment bills sync from Xero; draft and awaiting-approval bills do not",
      "src": [
        "s1",
        "s2"
      ]
    },
    {
      "object": "payments",
      "direction": "two-way",
      "src": [
        "s1",
        "s2"
      ]
    },
    {
      "object": "contacts",
      "direction": "two-way",
      "src": [
        "s1"
      ]
    },
    {
      "object": "invoices",
      "direction": "two-way",
      "notes": "The listing describes receivable invoices as created in Xero and synced to Melio",
      "src": [
        "s1"
      ]
    },
    {
      "object": "chart-of-accounts",
      "direction": "two-way",
      "src": [
        "s1"
      ]
    }
  ],
  "pricing": {
    "model": "usage-based",
    "plans": [
      {
        "name": "Card payments",
        "billing": "per-transaction",
        "prices": {},
        "rate": "2.9% fee to pay a bill by credit card",
        "src": [
          "s1"
        ]
      },
      {
        "name": "Standard ACH bill payments in Xero",
        "billing": "per-transaction",
        "prices": {
          "USD": 0
        },
        "per": "included in Xero business plans (powered by Melio)",
        "src": [
          "s3"
        ]
      }
    ]
  },
  "regions": {
    "supported": [
      "US"
    ],
    "basis": "stated",
    "src": [
      "s1"
    ]
  },
  "requirements": {
    "ecosystem_plan_min": "unknown",
    "ecosystem_features_required": [],
    "src": [
      "s1"
    ]
  },
  "limitations": [
    {
      "summary": "US only; only US dollar bill payments within the US",
      "severity": "moderate",
      "src": [
        "s1",
        "s3"
      ]
    },
    {
      "summary": "Draft and awaiting-approval bills in Xero are not synced to Melio",
      "severity": "minor",
      "src": [
        "s1"
      ]
    }
  ],
  "alternatives": [],
  "editorial": {
    "answer_summary": "Melio pays US bills by bank transfer, card or check and syncs bills, vendors and payments with Xero both ways. Card payments carry a 2.9% fee. Standard ACH bill payments made from inside Xero are included in Xero business plans and processed by Melio.",
    "best_for": [
      "US businesses paying suppliers from Xero"
    ],
    "not_ideal_for": [
      "Businesses outside the US"
    ]
  },
  "profile": {
    "status": "listed"
  },
  "sources": [
    {
      "id": "s1",
      "url": "https://apps.xero.com/us/app/melio-payments",
      "title": "Melio Payments on the Xero App Store (US)",
      "type": "marketplace-listing",
      "retrieved_at": "2026-11-14T06:30:00Z"
    },
    {
      "id": "s2",
      "url": "https://meliopayments.com/integrations/xero/",
      "title": "Melio: Xero integration",
      "type": "vendor-docs",
      "retrieved_at": "2026-11-14T06:30:00Z"
    },
    {
      "id": "s3",
      "url": "https://www.xero.com/us/accounting-software/online-bill-payments",
      "title": "Xero: Online bill payments (US)",
      "type": "platform-docs",
      "retrieved_at": "2026-11-14T06:30:00Z"
    }
  ],
  "verification": {
    "status": "verified",
    "last_verified": "2026-11-14",
    "verified_by": [
      "research-agent",
      "verifier-agent"
    ],
    "open_flags": []
  },
  "publishing": {
    "state": "live",
    "batch": "2026-W46",
    "approved": "2026-11-14"
  },
  "changelog": [
    {
      "date": "2026-11-14",
      "change": "Record created from public sources (pilot batch)"
    }
  ],
  "vendor": {
    "id": "melio",
    "name": "Melio",
    "api": "https://trylode.io/api/vendors/melio.json"
  },
  "url": "https://trylode.io/xero/melio/",
  "facts": [
    {
      "id": "sync-bills",
      "topic": "sync",
      "statement": "Melio syncs bills with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1",
        "s2"
      ],
      "url": "https://trylode.io/xero/melio/#sync-bills"
    },
    {
      "id": "sync-payments",
      "topic": "sync",
      "statement": "Melio syncs payments with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1",
        "s2"
      ],
      "url": "https://trylode.io/xero/melio/#sync-payments"
    },
    {
      "id": "sync-contacts",
      "topic": "sync",
      "statement": "Melio syncs contacts with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#sync-contacts"
    },
    {
      "id": "sync-invoices",
      "topic": "sync",
      "statement": "Melio syncs invoices with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#sync-invoices"
    },
    {
      "id": "sync-chart-of-accounts",
      "topic": "sync",
      "statement": "Melio syncs chart of accounts with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#sync-chart-of-accounts"
    },
    {
      "id": "price-card-payments",
      "topic": "pricing",
      "statement": "Melio's Card payments plan charges 2.9% fee to pay a bill by credit card.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#price-card-payments"
    },
    {
      "id": "price-standard-ach-bill-payments-in-xero",
      "topic": "pricing",
      "statement": "Melio's Standard ACH bill payments in Xero plan is free (included in Xero business plans (powered by Melio)).",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s3"
      ],
      "url": "https://trylode.io/xero/melio/#price-standard-ach-bill-payments-in-xero"
    },
    {
      "id": "regions",
      "topic": "regions",
      "statement": "Melio works with Xero in US.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#regions"
    },
    {
      "id": "marketplace-listed",
      "topic": "trust",
      "statement": "Melio is listed in the official Xero marketplace.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#marketplace-listed"
    },
    {
      "id": "limitation-1",
      "topic": "limitation",
      "statement": "US only; only US dollar bill payments within the US.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1",
        "s3"
      ],
      "url": "https://trylode.io/xero/melio/#limitation-1"
    },
    {
      "id": "limitation-2",
      "topic": "limitation",
      "statement": "Draft and awaiting-approval bills in Xero are not synced to Melio.",
      "label": "Lode-verified",
      "verified": "2026-11-14",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/melio/#limitation-2"
    }
  ],
  "cite_as": "Lode (trylode.io), Melio + Xero, verified 2026-11-14",
  "lode": {
    "publish_state": "live",
    "stale": false,
    "completeness": 0.7
  }
}