I would stay as far away from using Melio as a bill pay option as possible.  Their "chat" support is not at all useful.  I believe your funds are also not secure, as vendors can apparently change method of payment without your knowledge.  This opens the possibility of a vendor employee directing funds to a bank account other than the vendors.  Don't laugh, it happened to me.  If the funds are not recovered, Melio says so sad, so bad, we are not responsible for fraudulent acts of a vendor. Allowing anyone other than yourself to direct how payments are made is inappropriate in my humble opinion. They will not even release information as to where the funds went with out a subpoena. "We asked for the money back, if receiving bank does nothing in thirty days, too bad." Most annoying dog and pony show I have ever experienced.  Fortunately, the funds misdirected from my account and never recovered were not overly material.  Live and learn.

How can anyone take Melio seriously when they don't even provide a field for customer ID/account number in the vendor address/profile.  Unbelievable.

Intuit should be embarrassed and ashamed to be associated with an entity like Melio.