Melio Payments, Inc. operates a comprehensive financial platform that enables small and medium-sized businesses to streamline their payment operations through bill payment, invoicing, and online payment processing services. Founded in 2018 and headquartered in New York, the company addresses critical cash flow management challenges faced by SMBs by digitizing traditionally paper-based payment processes. Melio's platform allows businesses to pay vendors via ACH transfers or checks while accepting payments through multiple channels, reducing administrative overhead and improving working capital efficiency. The company continues to expand its feature set and market reach, focusing on becoming the primary financial operating system for America's small business segment.