I have had more than 60 chats and e mail exchanges with Melio for ACH payments that apparently went to an account not provided by me or the vendor,, and after more than a month,, they said, we don't have the money, the receiving bank will not respond, so guess what, I had to pay the vendor again via alternate means.

Melio "chat" support connects you to someone who can't really do anything, knows nothing about accounting, and attempting to resolve a payment issue is the most annoying waste of time I have experienced in 40 plus years of accounting.