01Featured
Resolve the counterparty for payment
Well reads a company and invoice from Xero and forwards the document to Melio's email-in address with the counterparty resolved, so the payer is clear.
Xero to MelioAvailableNative · XeroNative · Melio
Send Xero bills to Melio with a resolved counterparty
Move Xero bills and contacts through Well and into Melio as bills, with the audit trail kept on every record.
About Xero and Melio
Xero
Source
The Xero integration connects Well to your accounting platform for bidirectional data flow.
Melio
Target
The Melio connection delivers extracted bills into Melio through its Pay Bills email address.
Why this pair
When a bill in your Xero ledger needs paying through Melio, a bare name gives your team little to confirm who the counterparty is.
Well reads the companies, invoices, and documents from Xero, resolves each counterparty to a single company, and forwards the document to Melio's email-in address with the business identified. The bill that reaches Melio carries a company the ledger already holds, so your team is not guessing at who they are about to pay.
What Well does between Xero and Melio
- One-way: Xero into Well into Melio
- Sync mode: Real-time MCP push
- Events arrive in seconds
Trigger from Xero
4 events · pick one
Well engine·recipe·When a Xero invoice is read
Source
from upload · live webhook
Vercel Sarl
via Xero
When a Xero invoice is read
INV-2026-04-100 · 22 Apr 2026€1,284.00
Extract
6 fields read from Xero
6 fields read
- VendorVercel Sarl
- Invoice numberINV-2026-04-100
- Issue date22 Apr 2026
- Total€1,284.00
- Tax€256.80
Enrich
against your historical record graph
5 fields added
- Legal entityVercel Sarl
- Tax idFR67898212340
- Domainvercel.com
- Ledger account6156 · Hosting
Confidence97%
<55% refused55–85% review≥85% auto-posts
Post
schedule as bills
Create a bill in your Melio inbox
auto-posted
- TypeBill
- VendorVercel Sarl
- Amount€1,284.00
- Ledger6156 · Hosting
- Source docattached
- Confidence97%
audit linkto Melio
Action in Melio
1 compatible with this trigger
Create a bill in your Melio inbox
Workflows Xero and Melio unlock together.
02
Reuse the ledger company
Well matches the Xero counterparty to a single company before delivery, so Melio does not hold a duplicate business.
03
Keep the bill attributed
Each Xero document reaches Melio with its resolved company attached, so the bill names who is paid.
04
Trace a payment back to the ledger
The Xero record Well resolved stays linked to the Melio document, so each bill traces to its entry.
11 signals and actions across Xero and Melio
When a Xero payment is read
Reads the payment applied to a Xero invoice or bill with method, account, and amount.
Trigger·Payment methodWhen a Xero invoice attachment is read
Picks up the source PDF attached to a Xero invoice as a document.
Trigger·DocumentWhen a Xero purchase order is read
Pulls Xero purchase orders with supplier, line items, and totals to match against the arriving bill.
Trigger·InvoiceWhen a Xero bank transaction is read
Captures spent and received money transactions reconciled in Xero with amount and account code.
Trigger·TransactionWhen a Xero contact is read
Pulls Xero contacts with name, trading address, and tax number to match against your companies.
Trigger·CompanyWhen a Xero credit note is read
Captures Xero credit notes with contact, totals, and tax so refunds reconcile against the original invoice.
Trigger·InvoiceWhen a Xero invoice is read
Pulls Xero sales and purchase invoices with contact, line items, totals, and tax.
Trigger·InvoiceCreate a bill in your Melio inbox
Well forwards the PDF to your @invoicesmelio.com address; Melio's Smart Bill Capture lifts the vendor, amount, and due date into a Bills Inbox entry that waits for you to schedule a payment date and funding method.
Action·InvoiceResolve a Melio vendor from the bill
Melio's OCR resolves the vendor name from the PDF; banking details for the payment route are set up separately.
Action·Company
ReferenceField mapping for Xero → Melio10 fields across 2 record types, open to see the full table.
Reference
Field mapping for Xero → Melio
10 fields across 2 record types, open to see the full table.
Invoice fields
5 fields flow from Xero into Melio.
| Xero field | Label | Melio field | Label | |
|---|---|---|---|---|
| Invoice.Total.total | Total | amount | Amount | |
| Invoice.CurrencyCode.currency | Currency | currency | Currency | |
| Invoice.DueDate.due_date | Due date | due_date | Due date | |
| Invoice.InvoiceNumber.invoice_number | Invoice number | bill_number | Bill number | |
| Invoice.InvoiceID.id | Xero id | bill_id | Bill id |
Transaction fields
5 fields flow from Xero into Melio.
| Xero field | Label | Melio field | Label | |
|---|---|---|---|---|
| BankTransaction.Total.amount | Amount | amount | Amount | |
| BankTransaction.CurrencyCode.currency | Currency | currency | Currency | |
| BankTransaction.Date.created | Transaction date | scheduled_for | Payment date | |
| BankTransaction.Reference.description | Reference | reference | Reference | |
| BankTransaction.BankTransactionID.transaction_id | Transaction id | payment_id | Payment id |
Connect Xero and Melio in three steps.
- 1
Connect Xero
Click Connect with Xero; Well's OAuth proxy handles Xero authorisation through Dynamic Client Registration. Xero'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 Xero's bills, contacts, tracking categories, and tax types read over Xero's MCP server and the the Melio Bills Inbox awaiting payment scheduling. Match candidates are scored on counterparty, amount, date, and reference; above 85% confidence the link posts automatically, below it the candidate set queues for sign-off.
- 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
46 agent skills run on Xero 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.
Prefill Form 1120
Get page 1 of your 1120 back as a PDF with your own book figures already in the boxes, and a list of every box left for your preparer.
Prefill Form 1099-NEC
Get one 1099-NEC per contractor back as a PDF with your own posted figures already in box 1, and the list of payees you cannot file for yet.
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.
VAT radar
See the net VAT your posted ledger shows for a quarter and which invoices to fix first.
Accounting reports
Read your profit and loss or balance sheet straight from QuickBooks or Xero.
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.
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
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.
How Xero and Melio stay secure with Well
Well connects to Xero through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived Xero secret; the server refreshes its own tokens on each session. Anything Well holds between Xero and Melio is encrypted at rest and handled in line with GDPR.
MCP server authEncrypted at restGDPR compliant
Scopes Well requestswellapp.ai/v1/mcps/xero/mcp
- granted
Read Xero records
Scoped to bills, contacts, tracking categories, and tax types read over Xero's MCP server. No access to anything else in your Xero 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.
- refused
Modify or delete Xero records
Not granted. Xero 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.
Disconnect any time from Well settings or Xero’s admin panel.
Frequently asked questions about Xero and Melio on Well
- 01What Xero data does Well pull into Melio?
- Xero streams bills, contacts, tracking categories, and tax types read over Xero's MCP server 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 Xero event ID preserved on the entry for audit.
- 02How often does Xero data sync to Melio?
- Xero 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 Xero records to entries in Melio?
- Well scores every candidate match between Xero 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.
- 04Can I customise which Xero fields are sent to Melio?
- The default mapping connects each Xero record to the Melio bill shape (vendor, amount, due date, approval policy). Settings let you override the vendor source, swap default approvers, attach a different document on the bill, or pull GL codes from your connected data. Mapping versions are immutable for already-paid bills so audit traces stay intact.
- 05What happens if I disconnect Xero or Melio?
- Disconnecting Xero stops the flow at the source. Well asks the Xero MCP server to revoke the access token; Xero 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 Xero and Melio?
- Xero'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 Xero and Melio is encrypted at rest and handled in line with GDPR.
Connect Xero and Melio
Link both tools to Well so a Xero bill reaches Melio as a resolved counterparty document.
- Read-only scopes on Xero
- AES-256 at rest, TLS 1.3 in transit
- GDPR compliant
- Revocable Melio access in one click
Related integrations
Other ways to connect Xero or Melio through Well.
Xero
See the Xero connector
Melio
See the Melio connector
Gmail → Xero
Capture invoices from Gmail, extract data with AI, and push…
Mercury → Xero
Match Mercury wires, ACH, and card transactions to invoices…
Square → Melio
Route Square purchase activity into Melio for vendor payment…
Freshbooks
See the Freshbooks connector
Kolecto
See the Kolecto connector
Bill.com
See the Bill.com connector