Full-Time

Full Stack Engineer

Posted on 5/12/2026

Melio

Melio

501-1,000 employees

Digital payment platform for small businesses

Compensation Overview

$135k - $160k/yr

+ 401K matching

New York, NY, USA

Hybrid

Hybrid in NYC with 3 days per week in-office.

Category
Software Engineering (1)
Requirements
  • Four to five or more years of professional experience as a software engineer with frontend and backend development.
Responsibilities
  • Build and maintain integrations with high-profile partners such as Capital One, Shopify, and Fiserv, helping bring Melio’s platform capabilities to these partners.
  • Create custom solutions for partners to help small businesses manage their payments more efficiently and at various touch points.
  • Iterate on the platform to ensure a smooth integration process for partners while maintaining flexibility and speed in launching new features.
  • Span the entire stack, including building Application Programming Interfaces and integrating external systems.
  • Interact with various parts of the system from the back-end to the front-end, dealing with diverse data structures and user interfaces.
  • Work with technologies including AWS Lambda, Node.js, TypeScript, React, GraphQL, and MySQL.
  • Build REST APIs that are used internally and shared externally, and develop new products based on these APIs.
  • Cross-collaborate with team members on current issues or future improvements, write code to implement new features or fix bugs, conduct code reviews, and deploy updates.
  • Collaborate with internal teams and partner stakeholders to ensure the system is robust, scalable, and meets partner requirements.
Desired Qualifications
  • Experience working on an API as a product, or other products for engineers
  • Familiarity with AWS, Lambda, and cloud architecture

Melio Payments provides a digital platform that helps small businesses manage their payments to vendors. It lets users pay bills and receive payments through methods like ACH transfers or credit cards. Card payments can be deferred up to 45 days and earn card rewards, while ACH is free. The service also automates bill payments, enforces approval workflows, and assigns team roles to improve expense control and transparency, with strong security for private data. Compared with competitors, Melio emphasizes flexibility (paying vendors that don’t accept card payments), cash-flow management through card deferment, and built-in governance features for teams. The goal is to simplify and speed up small-business payments, improve cash flow, and provide secure, visible control over expenses.

Company Size

501-1,000

Company Stage

Acquired

Total Funding

$3.2B

Headquarters

New York City, New York

Founded

2018

Simplify Jobs

Simplify's Take

What believers are saying

  • Xero acquisition triples North American revenue targeting $29B SMB market.
  • Processes $30B payments for 80,000 customers with 10x revenue growth.
  • Launched US online bill payments using Melio tech in Xero platform.

What critics are saying

  • Xero integration cannibalizes standalone Melio demand within 3-6 months.
  • Bill.com steals SMB share with superior features and 500k customers.
  • CFPB bans 2.9% credit card fees as hidden charges in 12-24 months.

What makes Melio unique

  • Melio enables credit card payments to vendors without vendor acceptance.
  • Agent Mel AI assistant provides instant payment and cash flow insights.
  • Seamless integrations with Xero, Tax1099, Capital One, and Shopify.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Company Match

Wellness Program

Paid Vacation

Paid Sick Leave

Hybrid Work Options

Meal Benefits

Professional Development Budget

Performance Bonus

Growth & Insights and Company News

Headcount

6 month growth

-1%

1 year growth

0%

2 year growth

-2%
Business Wire
Mar 23rd, 2026
Xero launches online bill payments targeting $29B US SMB market after Melio acquisition

Xero has launched online bill payments in the US, integrating technology from its recent acquisition of Melio into its accounting platform. The company is now the only major US small business accounting platform enabling users to pay bills by credit card on-platform. The integration targets a $29 billion US small and medium-sized business payments market. Melio co-founder Matan Bar has been appointed CEO of Xero US, overseeing both businesses. The new feature allows businesses to pay vendors via bank transfer, debit or credit card, with Xero's AI platform JAX automatically reconciling transactions. Over 70% of US small businesses consider tight integration between accounting and accounts payable software highly important. Xero reported strong momentum, with first-half fiscal year 2026 revenue increasing 20% year-on-year to NZD $1.2 billion.

Business Wire
Jan 28th, 2026
Melio launches Agent Mel, an AI assistant to streamline business financial decisions

Melio, a leading accounts payable and receivable platform, has launched Agent Mel, an AI-powered assistant designed to streamline financial decision-making for accountants, bookkeepers and small businesses. The conversational agent provides instant responses to payment, product and vendor queries through a chat-based interface. Agent Mel requires no setup and is fully embedded in Melio's workflow. Users can ask questions about bill statuses, vendor setup, cash flow management and payment patterns. The assistant helps identify overdue payments and displays vendor history, eliminating manual searching. The launch aligns with growing AI adoption in B2B sectors, with enterprise applications predicted to integrate task-specific AI agents by end of 2026. Melio, a Xero company founded in 2018, serves nearly 100,000 US businesses and maintains partnerships with financial institutions including Capital One and Shopify.

Globes
Jun 25th, 2025
Xero Acquires Melio for $3 Billion

Xero Limited, a New Zealand cloud-based accounting software company, is acquiring Israeli fintech company Melio for $3 billion. The deal includes an immediate payment of $2.5 billion in cash and shares, plus $500 million in milestone payments and continued employment of current staff. Melio, founded by Bar, Ziv Paz, and Ilan Atias, has raised $700 million, with major investors like Fiserv and Tiger Global Management.

Reuters
Jun 25th, 2025
New Zealand's Xero to buy US fintech Melio for $2.5 billion

New Zealand accounting software giant Xero agreed to buy New York payments provider Melio for $2.5 billion, the companies said on Wednesday, accelerating the Kiwi firm's push into the U.S. with the country's biggest outbound deal in over a decade.

HotCopper Holdings Limited
Jun 25th, 2025
Xero Acquires Melio for $3.9B

Xero Ltd (ASX:XRO) is set to acquire U.S. bill pay platform Melio for up to $3.9 billion in cash and scrip. This acquisition aligns with Xero's 3×3 strategy and aims to enhance its U.S. growth ambitions. The deal is expected to triple Xero's North American revenue and average revenue per user. Melio, with 80,000 customers and $30 billion in payments last year, generated $153 million in revenue through March 31. Xero will use a $400 million credit facility and $860 million in share plans to fund the purchase.