Melio - B2B accounts-payable + bill pay
Melio is B2B accounts-payable / bill pay - pay any invoice via ACH/check/card, even if the vendor only takes paper checks.
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Startup treasury: match your cash to the right account
Mercury, Brex, Wise Business, Meow. 4 questions before you wire $5M anywhere.
Fit matrix
| Profile | Best fit | Why |
|---|---|---|
| US startup, simple banking + sweep | Mercury | Default US startup banking with built-in treasury sweep and broad FDIC coverage via partner banks. |
| Venture-backed, cards + treasury | Brex | Best when you want corporate cards and treasury in one platform. |
| Multi-currency, low-cost transfers | Wise Business | Best for holding multiple currencies and cheap international transfers. |
| multi-currency / global startup - non-USD revenue | Airwallex | Airwallex is the multi-currency-first treasury platform - built for global startups with non-USD revenue. |
FAQ
- Is the yield FDIC-insured?
- Mercury Treasury and Brex Cash sweep balances across partner banks for higher FDIC coverage but the yield-bearing portion is typically money market funds (not FDIC). Meow holds direct T-bills - government-backed but not FDIC. Read each provider's disclosure.
- Can I use multiple accounts?
- Yes, and most Series B+ startups do: Mercury for ops, Meow for yield ladder, Wise for intl. Pick a primary; layer in others.
- What about Treasury Prime / Modern Treasury?
- Both are infrastructure (you build on top), not end-user accounts. Different category.
Also worth considering
Vendors outside the matcher's primary 4 that fit specific situations the matcher won't surface. Each routes through the personal-recommendation form below.
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Tell us your situation and we will forward your details to the matched vendor - they'll follow up with you directly. Same price either way; we earn a referral fee from the vendor only if you sign up.