Send Xero bills to Melio with a resolved counterparty

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.

1. 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. 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. 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

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.