What Stripe data does Well pull into Melio?

Stripe streams charges, refunds, payouts, customers, disputes, and subscription 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 Stripe event ID preserved on the entry for audit.

How often does Stripe data sync to Melio?

Stripe 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 Stripe records to entries in Melio?

Well scores every candidate match between Stripe 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.

How does Well prevent duplicates when posting Stripe records to Melio?

Stripe sends each event with a stable resource ID that Well tracks against the Melio ledger. Webhook replays (which Stripe can issue for delivery retries) are recognised by ID and either skipped or used to update the existing Melio entry. Distinct records that look similar are caught by Well before posting, with the candidates surfaced in the review queue when confidence is ambiguous.

What happens if a Stripe record fails to post to Melio?

When a record fails to post to Melio (validation rule, missing field, transient 5xx), Well retries automatically with backoff. Auth failures short-circuit the retry loop and notify the workspace owner; schema rejections are kept on the integration status page with a one-click retry-after-fix action pointing back at the original Stripe record. Nothing silently drops.

How does Well authenticate with Stripe and Melio?

Stripe'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 Stripe and Melio is encrypted at rest and handled in line with GDPR.

Stripe to Melio

AvailableNative · StripeNative · Melio

Connect Stripe to Melio with Well

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

Connect both toolsView all integrations

Stripe

Source

The Stripe integration connects your payment infrastructure to Well via MCP, pulling charges, invoices, subscriptions, refunds, and payout data into your workspace automatically.

Melio

Target

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

Why this pair

Stripe pays out a batch from customer collections; Melio sends scheduled payments to vendors on US rails.

Connecting Stripe to Melio through Well stages Melio vendor payments against the latest Stripe payout balance with the underlying charge breakdown attached on each payment record, so vendor disbursement is funded directly from customer revenue. Stripe's MCP server pushes payout events to Well; Melio's Smart Bill Capture creates the vendor payment bill from the forwarded PDF, with the batch reference attached for your team to schedule.

What Well does between Stripe and Melio

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

Trigger from Stripe

14 events · pick one

Well engine·recipe·When a Stripe charge succeeds

Source

from payment · live webhook

Riverstone Capital

via Stripe

Charge

When a Stripe charge succeeds

ch_1q5nk · 22 Apr 2026€1,284.00

Extract

6 fields read from Stripe

6 fields read

CustomerRiverstone Capital
Charge date22 Apr 2026
Charge amount€1,284.00
CurrencyEUR
Processing fee€37.24

Enrich

against your historical record graph

4 fields added

Customer recordRiverstone Capital
Domainriverstone.partners
Tax idFR45678123456
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
VendorRiverstone Capital
Amount€1,284.00
LedgerVE · 2026
Source docattached
Confidence97%

audit linkto Melio

Action in Melio

2 compatible with this trigger

Create a bill in your Melio inboxResolve a Melio vendor from the bill

Bridge Stripe payouts to Melio reimbursements.

01Featured

Match the record before payment

Well reconciles a Stripe payment to its invoice inside Well and forwards the matched document to Melio's email-in address, so payment works from a reconciled record.

Resolve the business

Well resolves the company and people behind a Stripe record and attaches them to the forwarded document, so Melio carries a verified business.

Collapse duplicate payees

Records resolving to the same company are treated as one business inside Well before the document is forwarded, so Melio does not carry the same payee twice.

Keep the Stripe record linked

The Stripe payment Well reconciled stays linked to the Melio document, so each entry traces back to what it matched.

18 signals and actions across Stripe and Melio

When a Stripe invoice is finalised
Pulls from the Stripe events feed. Captures the finalised invoice before payment, with totals and due date.
Trigger·Invoice
When a Stripe payout is created
Pulls from the Stripe events feed. Triggers on every payout batch with the underlying charges and fees.
Trigger·Transaction
When a Stripe customer is created
Pulls from the Stripe events feed. Pulls new customer records with name, email, and tax id where set.
Trigger·Company
When a Stripe payout lands in your bank
Pulls from the Stripe events feed. Detects the bank arrival of a Stripe payout to anchor the deposit.
Trigger·Transaction
When a Stripe charge fails
Pulls from the Stripe events feed. Captures failed charges so you can chase the customer or retry.
Trigger·Transaction
When a Stripe invoice is marked paid
Pulls from the Stripe events feed. Pulls the paid invoice with its line items, customer, and applied tax.
Trigger·Invoice
When a payment intent settles
Pulls from the Stripe events feed. Detects successful payment intents and links the captured charge to the intent.
Trigger·Transaction
When a Stripe customer is updated
Pulls from the Stripe events feed. Detects changes to customer name, billing address, or tax id.
Trigger·Company
When a Stripe dispute is opened
Pulls from the Stripe events feed. Captures the dispute with the contested charge and dispute reason.
Trigger·Transaction

Reference

Field mapping for Stripe → Melio

12 fields across 3 record types, open to see the full table.

Transaction fields

5 fields flow from Stripe into Melio.

Stripe field	Label		Melio field	Label
charge.amount	Charge amount	→	amount	Amount
charge.currency	Currency	→	currency	Currency
charge.created	Charge date	→	scheduled_for	Payment date
charge.description	Description	→	reference	Reference
charge.id	Charge id	→	payment_id	Payment id

Invoice fields

4 fields flow from Stripe into Melio.

Stripe field	Label		Melio field	Label
invoice.currency	Currency	→	currency	Currency
invoice.number	Invoice number	→	bill_number	Bill number
invoice.due_date	Due date	→	due_date	Due date
invoice.customer	Customer reference	→	bill_id	Bill id

Company fields

3 fields flow from Stripe into Melio.

Stripe field	Label		Melio field	Label
customer.name	Customer name	→	vendor_name	Vendor name
customer.email	Email	→	email	Email
customer.id	Customer id	→	vendor_id	Vendor id

Connect Stripe and Melio in three steps.

1
Connect Stripe
Click Connect with Stripe; Stripe's MCP server handles authorisation. Stripe'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 Stripe's charges, refunds, payouts, customers, disputes, and subscription 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

43 agent skills run on Stripe 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 which suppliers you pay on a schedule, what each costs a month, and how that spend moved.

Subscription actions

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

SaaS billing

See who cancelled, which payments failed and what was refunded, read live from Stripe, Paddle or Lago.

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 and VAT credits your company is still owed, 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 Stripe and Melio stay secure with Well

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

MCP server authEncrypted at restGDPR compliant

Scopes Well requestsmcp.stripe.com

Read Stripe records
Scoped to charges, refunds, payouts, customers, and related records. No access to anything else in your Stripe 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 Stripe records
Not granted. Stripe 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 Stripe’s admin panel.

Frequently asked questions about Stripe and Melio on Well

01What Stripe data does Well pull into Melio?: Stripe streams charges, refunds, payouts, customers, disputes, and subscription 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 Stripe event ID preserved on the entry for audit.
02How often does Stripe data sync to Melio?: Stripe 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 Stripe records to entries in Melio?: Well scores every candidate match between Stripe 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.
04How does Well prevent duplicates when posting Stripe records to Melio?: Stripe sends each event with a stable resource ID that Well tracks against the Melio ledger. Webhook replays (which Stripe can issue for delivery retries) are recognised by ID and either skipped or used to update the existing Melio entry. Distinct records that look similar are caught by Well before posting, with the candidates surfaced in the review queue when confidence is ambiguous.
05What happens if a Stripe record fails to post to Melio?: When a record fails to post to Melio (validation rule, missing field, transient 5xx), Well retries automatically with backoff. Auth failures short-circuit the retry loop and notify the workspace owner; schema rejections are kept on the integration status page with a one-click retry-after-fix action pointing back at the original Stripe record. Nothing silently drops.
06How does Well authenticate with Stripe and Melio?: Stripe'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 Stripe and Melio is encrypted at rest and handled in line with GDPR.