I agree wholeheartedly, think long and hard about using Melio, and then DON"T DO IT.  It takes forever to actually communicate with their chat support what the actual issue is, and then you have to rely on them to forward the correct information to someone who can actually do something about it.  And you can grow old waiting for endless e mails back and forth to actually communicate the real issue.

The nonsense  I have endured correcting the information and replies I have received is laughable.  

I place Melios security over disbursement of your funds on par with a procelain piggy bank.  I'll bet they are making bank on all your funds sitting in a sweep account until they actually get to your vendor, if the ever do.