Just experienced yet another payment never sent or received by our vendor. Spent an hour on chat this morning to get 75 dollars refunded.  The Melio could not furnish any factual evidence of a printed check, or mailing; only empty meaningless words by some chat room bot that they did send it.... Melio is and continues to be  negligent, and using our money without paying vendors, all without any liability (thus far anyway) or penalty. Class action suit anyone?