WARNING MELIO IS A SCAM.

I believe Melio is a flat out scam. No other way to describe it. From my experience, I sent a payment through Capital One Vendor Payments which is serviced by Melio for the rent on my live work loft and even paid extra to have the check expedited and sent via FedEx. After they claimed they sent the payment I contacted them and asked for the FedEx tracking number so I could know when it arrived, which they took 13 days to look for only to come back and tell me "We cannot locate your check. It might not have been sent so we will refund you for the payment." Crappy, sure but I figured they are a professional business, this must have been an oversight (boy was I wrong). Since the payment was for rent, at this point I had already set up to have them send next months payment and waited for them to issue a refund for the first payment so I could submit it a second time. A few days later they refunded me their fee, but not the value of the check. Another 2 weeks of back and forth and still they hadn't refunded it. Back to the second payment, since my landlord and I share the same address, mine just has a unit number attached to it, I updated the address for the second payment to mine and planned to hand deliver the check when it arrived. Melio said that check would arrive by the 3rd and by the 7th it hadn't shown up, so again asked for the FedEx tracking number, but this time they just ignored me. After being ignored for 2 more days, I then contacted Capital One for help and they initiated disputes on the transactions. Come to find out Melio never mailed either checks. Did they take my money? Yes. Did they provide the services I paid for? No. Did they refund me as they said they would? Nope. Did they cause me to become 2 months late on my rent? Yep. Thankfully Capital One got my money back for me, but for anyone considering using their service, please do yourself a favor and don't. That is unless you like to have others steal your hard earned money. I for one don't.