Melio is a business payments platform designed to help small businesses manage accounts payable, pay vendors, and automate outgoing payments from a single dashboard. Unlike traditional accounting tools, Melio focuses purely on payments. You can send money via ACH bank transfers or credit card, schedule payments in advance, and manage vendor relationships without needing complex financial systems. What makes it especially useful is its flexibility—allowing you to pay vendors with a credit card even if they only accept checks. This creates a practical advantage for managing short-term cash flow.