The short answer
A charge from MELIO* B2B PAYMENT represents a vendor invoice payment, expedited ACH fee, or credit card processing fee (2.9%) via Melio Payments Inc.
Why it shows up like this
Melio provides specialized B2B accounts payable and accounts receivable software designed for small businesses, contractors, and corporate finance teams. The platform allows businesses to pay vendor invoices via bank transfer, check, or credit card even when suppliers do not accept direct plastic payments.
Transactions appearing on financial statements as MELIO* B2B PAYMENT, MELIOPAYMENTS.COM, or MELIO* [VENDOR NAME] reflect business bill payments, expedited ACH transfer fees, or credit card processing surcharges. When business owners charge corporate credit cards to extend cash flow on vendor bills, Melio applies a standard processing rate.
If you do not recognize this payment entry, consult your company accounting department or business partners to verify whether an outstanding supplier invoice was settled through Melio. Unidentified business transactions require immediate review of authorized corporate cardholders. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Common reasons for this charge
Business expenses processed through accounts payable platforms frequently appear under consolidated corporate descriptors. Reviewing internal vendor invoices clarifies why payments were routed through third-party processors.
- A business vendor bill paid with a credit card to extend cash flow (incurring Melio's 2.9% card fee).
- A fast ACH transfer fee ($1.50) or same-day delivery charge for emergency supplier payment.
- An ongoing monthly Melio premium account subscription renewed.
How to locate the invoice and cancel
Accessing your business payment portal allows you to review scheduled disbursements and audit transaction histories. Canceling pending payments before fulfillment stops unauthorized transfers.
- Sign in to Melio Go to app.meliopayments.com and log in to your account.
- Go to Pay Tab Review Scheduled and Sent payments to identify the recipient vendor and bill details.
- Manage Payments Cancel any pending scheduled payments before the cutoff time.
Frequently Asked Questions
Understanding how B2B payment platforms handle processing surcharges and fast transfer fees prevents accounting discrepancies. Corporate finance managers maintain oversight over all platform disbursements.
Why did Melio charge my credit card 2.9%?
When you choose to pay a supplier or utility bill via credit card through Melio even if they only accept checks or ACH, Melio charges a standard 2.9% card processing fee.
Can I cancel a payment processed through Melio?
Payments can be canceled freely while in 'Scheduled' status, but once funds are in transit or deposited to the vendor, they cannot be recalled.
Dispute Rights & Fraud Prevention
If you did not authorize a vendor payment through Melio, contact their compliance team immediately.
Dispute unauthorized commercial transactions under Fair Credit Billing Act guidelines within 60 days.
How do I report an unauthorized Melio payment?
Email support@meliopayments.com and file a billing dispute with your card issuer.
How long does a dispute review take?
Card networks typically resolve business transaction disputes within 30 to 90 days.
Independent reference — not affiliated with Melio Payments Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Melio Terms of Service & Pricing https://www.meliopayments.com
- CFPB: Commercial Payment & Card Network Protections https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges