Melio

Melio provides a robust accounts payable and receivable platform specifically designed for small and medium-sized businesses (SMBs), as well as accounting and bookkeeping firms. The platform allows businesses to pay any vendor using a variety of methods, including ACH transfers for free or credit cards even where they aren't normally accepted. On the receiving end, it enables businesses to send professional invoices and accept digital payments through shareable links, simplifying cash flow management and integrating seamlessly with accounting software like QuickBooks and Xero.

From an affiliate perspective, the Melio program is a performance-based referral system hosted on the PartnerStack platform. The program is structured to reward affiliates for driving high-value user acquisition. Commission triggers are primarily based on the first successful payment made by a referred user, making it essential to target active business owners who are ready to transition their bill pay operations to a digital environment. The commission rates are segmented by the type of referral: referring a small-medium business typically earns a flat fee once a qualifying payment is made, while referring an accounting or bookkeeping firm that implements Melio for their clients commands a significantly higher payout.

Tracking is handled via a 90-day cookie window, providing a generous period for referred users to sign up and complete their first transaction. Once a referral is verified, payouts are managed through PartnerStack, with a standard verification cycle that typically sees funds available for withdrawal around the 13th of the month following the earning period. Affiliates have access to a dedicated dashboard featuring marketing assets such as banners, social media templates, and messaging guidelines to support their promotional efforts. Note that the program strictly prohibits paid search advertising (e.g., Google Ads) and requires all traffic to be organic or through personal social/email channels.