Somehow, Melio got a routing and account number for one of my vendors.  I did not give it to them, the vendor did not give it to them. I had authorized paper check payments. The vendor never got paid, (three separate payments), but the cash left my account and went somewhere.  Where the money went was never provided.

After months on nonsense from Melio support, I got some of the cash back, but not all of it.  Had to"pay" the vendor again.

I wouldn't use Melio for anything.