What PayPal data does Well pull into Melio?

PayPal streams completed payments, refunds, disputes, holds, and currency-conversion events to Well over its MCP server. After Well resolves the counterparty and assigns a confidence score, the matched record posts to Melio as bills via email-in at @invoicesmelio.com, with vendor, amount, and due date populated by Smart Bill Capture, with the PayPal event ID preserved on the entry for audit.

How often does PayPal data sync to Melio?

PayPal pushes events to Well over its MCP server, so most records land within seconds of the underlying action. Each event is matched immediately and reaches Melio within a confidence window: above 85% it posts, 55-85% queues for review, below 55% is refused.

How does Well match PayPal records to entries in Melio?

Well scores every candidate match between PayPal records and existing Melio entries on counterparty name, amount, date proximity, currency, and reference. Above 85% the record links to the historical entry and Melio updates; between 55% and 85% the candidates are queued for sign-off; below 55% the record stays open with the candidate list available.

What happens to historical PayPal data when I first connect to Melio?

PayPal exposes the last full year through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Melio ledger, and re-running the backfill is safe because Well tracks the PayPal record IDs and updates existing Melio entries instead of duplicating them.

What happens if I disconnect PayPal or Melio?

Disconnecting PayPal stops the flow at the source. Well asks the PayPal MCP server to revoke the access token; PayPal returns confirmation and stops streaming events the moment it is acknowledged. Anything you already reviewed and posted in Melio is Melio's own record and is untouched; Well never held a write credential to it. Records held for review in Well remain in the queue so you can finish them by hand. Reconnecting later resumes from the last successful sync, not from scratch.

How does Well authenticate with PayPal and Melio?

PayPal's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Melio email-in address once it clears the matching threshold; Melio creates the draft record from it and you confirm and post it. Well holds no write credential to Melio. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between PayPal and Melio is encrypted at rest and handled in line with GDPR.

PayPal to Melio

AvailableNative · PayPalNative · Melio

Connect PayPal to Melio with Well

Pair PayPal disbursements with Melio bills; failed transfers surface inside Well so the next manual schedule reflects the real state.

Connect both toolsView all integrations

PayPal

Source

The PayPal integration connects your payment account to Well via MCP, importing transactions, fees, settlements, and refund data.

Melio

Target

The Melio connection delivers extracted bills into Melio through its Pay Bills email address.

Why this pair

PayPal collects customer revenue; Melio schedules vendor payments on US rails.

Connecting PayPal to Melio through Well surfaces the latest PayPal settlement alongside the Melio payment queue with the underlying transaction breakdown attached on each payment record and the currency conversion stamped on the value date. PayPal's MCP server pushes settlement events to Well; Melio's Smart Bill Capture creates the bill from the PDF Well forwards with the underlying transaction reference attached.

What Well does between PayPal and Melio

One-way: PayPal into Well into Melio
Sync mode: Real-time MCP push
Events arrive in seconds

Trigger from PayPal

9 events · pick one

Well engine·recipe·When a PayPal payment is captured

Source

from payment · live webhook

Sunrise Coffee Co.

via PayPal

Payment

When a PayPal payment is captured

ch_1q5nk · 22 Apr 2026€1,284.00

Extract

6 fields read from PayPal

6 fields read

CustomerSunrise Coffee Co.
Charge date22 Apr 2026
Charge amount€1,284.00
CurrencyEUR
Processing fee€37.24

Enrich

against your historical record graph

4 fields added

Customer recordSunrise Coffee Co.
Domainsunrisecoffee.com
Tax idUS12-3456789
Sales journalVE · 2026

Confidence97%

<55% refused55–85% review≥85% auto-posts

Post

schedule as bills

Create a bill in your Melio inbox

auto-posted

posted

TypeBill
VendorSunrise Coffee Co.
Amount€1,284.00
LedgerVE · 2026
Source docattached
Confidence97%

audit linkto Melio

Action in Melio

1 compatible with this trigger

Create a bill in your Melio inbox

Bridge PayPal payouts to Melio reimbursements.

01Featured

Bring a PayPal bill in

Well reads an invoice from PayPal and forwards it to your Melio email-in address, so the bill is created without anyone re-keying it.

Resolve the counterparty

Well reads the company behind a PayPal invoice and attaches the resolved company to the document forwarded to Melio, so the payee is verified.

Keep the PayPal reference attached

The PayPal transaction reference travels with the document forwarded to Melio, so each bill traces back to the payment it came from.

Catch a duplicate before scheduling

Well checks a PayPal invoice against what it has already forwarded, so the same bill does not reach Melio twice.

16 signals and actions across PayPal and Melio

When a PayPal payment is captured
Pulls from PayPal transaction events. Captures completed PayPal payments with buyer, amount, and order id.
Trigger·Transaction
When a PayPal subscription renews
Pulls from PayPal transaction events. Detects recurring billing cycles and matches the new charge to the contract.
Trigger·Invoice
When a PayPal chargeback is filed
Pulls from PayPal transaction events. Flags the contested transaction and preserves the dispute trail.
Trigger·Transaction
When a new buyer's first PayPal capture is recorded
Pulls from PayPal transaction events. Recognises a first-time buyer from the capture and prepares a customer record.
Trigger·Company
When a PayPal capture is denied
Pulls from PayPal transaction events. Surfaces denied captures with the denial reason for follow-up.
Trigger·Transaction
When a PayPal checkout completes
Pulls from PayPal transaction events. Picks up the moment a buyer finishes checkout, before the bank settlement.
Trigger·Transaction
When a PayPal payout settles
Pulls from PayPal transaction events. Tracks settlement batches with the covered captures and processing fees.
Trigger·Transaction
When a PayPal payment is held pending review
Pulls from PayPal transaction events. Detects pending captures and waits for the resolution before posting.
Trigger·Transaction
When a PayPal-issued invoice is paid
Pulls from PayPal transaction events. Captures invoices issued through PayPal with line items and tax.
Trigger·Invoice

Reference

Field mapping for PayPal → Melio

4 fields across 1 record type, open to see the full table.

Transaction fields

4 fields flow from PayPal into Melio.

PayPal field	Label		Melio field	Label
capture.amount.currency_code	Currency	→	currency	Currency
capture.create_time	Capture date	→	scheduled_for	Payment date
capture.id	Capture id	→	payment_id	Payment id
capture.seller_receivable.fee	PayPal fee	→	amount	Amount

Connect PayPal and Melio in three steps.

1
Connect PayPal
Click Connect with PayPal; the PayPal MCP server registers a Well client automatically. PayPal's MCP server registers a read-scoped Well client through DCR; no credential paste, no shared secret.
- AuthOAuth 2.0
2
Map your accounts
Well discovers PayPal's completed payments, refunds, disputes, holds, and currency-conversion events and the the Melio Bills Inbox awaiting payment scheduling. Each payout is paired to its scheduled vendor payment by date and total; failed transfers reverse the linked payment automatically so the schedule self-corrects.
- Auto-post above85% confidence
- Overridemanual anytime
3
Connect Melio
In Melio, open Settings > Integrations and generate an API token with payment-write scope. Paste the key into Well; Melio's discovery endpoints are reached over TLS 1.3 and the secret is never echoed in the UI.
- AuthConnect
- First sync~10 min

42 agent skills run on PayPal and Melio.

Each one answers a question from the data this pair brings in. The required ones return nothing until a source like it is connected.

Needs a source like these

Runway

Know how many months of cash you have at your current burn, with both sides of the division shown.

Cash position

Know how much cash you hold right now, with the accounts counted and the ones left out both stated.

Cost structure

See where your company's money actually goes, no spreadsheets required.

Chase late invoices

Get a prioritized list of who to chase for payment, with their contact info and a message already drafted.

Rank clients by LTV

Find out what each customer is worth over its whole life, ranked from the most valuable down.

Company profile

Everything you know about one company, in one view.

Payment and invoice lookup

Find what payment settled an invoice, or catch every payment that never got one.

Missing receipts

Find the bills with no paperwork attached, before an auditor does.

Burn rate

Know what you spend in an average month over a window you can see, with the months that carried no spend counted.

Recurring revenue

Know what you can count on earning each month, averaged over real months.

Cash forecast

See the settled month-end cash series and where the line goes from the last complete month.

Cash flow bridge

See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.

Missing supplier invoices

See which suppliers owe you paperwork, before your accountant asks.

Assign missing invoices

Put a name on every settled expense that still has no invoice.

Missing invoice sweep

Walk the whole month-end sweep in one prompt.

Close the books

Drive the month-end close from open to sent to your accounting tool.

Categorize your suppliers

Close the category gaps behind your spend before you close a month.

Board pack

The board numbers in one pass, each with its scope and its window stated.

Subscription spend

See what each scheduled supplier costs a month and a year, how it moved, and where your workspaces can save.

Subscription actions

Cancel a subscription, ask for a better price or contest a double debit, with your bank's facts in the email.

Unposted and blocked

See what in a month has not reached the ledger, and which pile each item sits in.

Check bank and books

Check that your bank and your books match, and re-run what missed rows.

Answers better with these connected

Receivables aging

See who owes you money, and how long they have been sitting on it.

Bills due

See what you owe and when, ordered by due date with a running total.

FX exposure

See how much of your cash and receivables sit outside your reporting currency.

Invoice fetching agents

See exactly which agents would run, before any of them does.

Convert currencies

Turn mixed currencies into one number you can actually audit.

Payables aging

See what you owe your suppliers, and how long each bill has been past due.

Compose a board

The measures you name, arranged on one board that stores the question rather than the answer.

Revenue by customer

See which customers your revenue came from in a period, ranked, with the part you could not place named.

Supplier spend register

See what you paid each supplier over a year, ranked, with the invoices that could not be placed counted beside the total.

Call and claim

Claim a refund or a compensation with the evidence in hand, and know what to say when you call.

VAT radar

See the net VAT your posted ledger shows for a quarter and which invoices to fix first.

Money back

Find the supplier refunds, VAT credits and expense notes still owed to you, with the evidence for each.

Employer cost

Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.

Check contractor status

For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.

Uses them when they are there

Invoice design

Pick how an invoice prints, from the designs and records you already have.

Import a statement

Drop a statement you already have, and get its transactions as records.

Connects and checks them

Check your connections

See what is connected, what is syncing, and what is missing.

Build your context graph

Connect your AI apps and your tools, then see your business as one context graph.

Connect your bank

Get the bank feed in, and confirm it is really live.

Tax id chase

The companies you deal with that carry no tax identifier, listed before year end.

Browse all skills

How PayPal and Melio stay secure with Well

Well connects to PayPal through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived PayPal secret; the server refreshes its own tokens on each session. Anything Well holds between PayPal and Melio is encrypted at rest and handled in line with GDPR.

MCP server authEncrypted at restGDPR compliant

Scopes Well requestsmcp.paypal.com/mcp

Read PayPal records
Scoped to completed payments, refunds, disputes, holds, and related records. No access to anything else in your PayPal account.
granted
Deliver documents to your Melio inbox
Well forwards the extracted document to your Melio email-in address; Melio reads bills via email-in at @invoicesmelio.com, with vendor, amount, and due date populated by Smart Bill Capture from it and you review and post. No write credential to Melio is requested.
granted
Modify or delete PayPal records
Not granted. PayPal is read-only on Well's side; the source of truth never moves.
refused
Read other workspaces' data
Not granted. A session resolves only to the workspaces your account belongs to, and Well checks that membership before it returns any record.
refused

Disconnect any time from Well settings or PayPal’s admin panel.

Frequently asked questions about PayPal and Melio on Well

01What PayPal data does Well pull into Melio?: PayPal streams completed payments, refunds, disputes, holds, and currency-conversion events to Well over its MCP server. After Well resolves the counterparty and assigns a confidence score, the matched record posts to Melio as bills via email-in at @invoicesmelio.com, with vendor, amount, and due date populated by Smart Bill Capture, with the PayPal event ID preserved on the entry for audit.
02How often does PayPal data sync to Melio?: PayPal pushes events to Well over its MCP server, so most records land within seconds of the underlying action. Each event is matched immediately and reaches Melio within a confidence window: above 85% it posts, 55-85% queues for review, below 55% is refused.
03How does Well match PayPal records to entries in Melio?: Well scores every candidate match between PayPal records and existing Melio entries on counterparty name, amount, date proximity, currency, and reference. Above 85% the record links to the historical entry and Melio updates; between 55% and 85% the candidates are queued for sign-off; below 55% the record stays open with the candidate list available.
04What happens to historical PayPal data when I first connect to Melio?: PayPal exposes the last full year through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Melio ledger, and re-running the backfill is safe because Well tracks the PayPal record IDs and updates existing Melio entries instead of duplicating them.
05What happens if I disconnect PayPal or Melio?: Disconnecting PayPal stops the flow at the source. Well asks the PayPal MCP server to revoke the access token; PayPal returns confirmation and stops streaming events the moment it is acknowledged. Anything you already reviewed and posted in Melio is Melio's own record and is untouched; Well never held a write credential to it. Records held for review in Well remain in the queue so you can finish them by hand. Reconnecting later resumes from the last successful sync, not from scratch.
06How does Well authenticate with PayPal and Melio?: PayPal's MCP server handles authorisation directly; Well receives an access token through Dynamic Client Registration and never sees raw user credentials. For the delivery side, Well forwards the reconciled document to your Melio email-in address once it clears the matching threshold; Melio creates the draft record from it and you confirm and post it. Well holds no write credential to Melio. Tokens are encrypted in transit under TLS 1.3. Anything Well holds between PayPal and Melio is encrypted at rest and handled in line with GDPR.