Melio is a B2B payments platform for small businesses, offering bill pay and accounts receivable tools. It supports ACH, cards, checks, and accounting integrations to simplify cash flow and payment workflows.
Access to pre-IPO shares is available to accredited investors through UpMarket.
Latest Price
$2.5B
Acquisition by Xero, Mar 2025, Perplexity
UpMarket Estimate
$2.5B
Based on UpMarket valuation model
Previous Price
$2B
Series E Oct 2024
How to Invest in Melio Through UpMarket
Melio shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
Step 01
Verify accredited investor status
Confirm eligibility under SEC Rule 501 of Regulation D. Income or net worth threshold applies.
Step 02
Create an UpMarket account
Complete KYC/AML onboarding. Typically 1–2 business days. Licensed rep assigned on signup.
Step 03
Review available Melio offerings
Full offering memoranda and risk disclosures provided before any commitment is required.
Step 04
Complete subscription documents
Review and sign subscription agreement. All documents handled digitally through the platform.
Step 05
Fund your investment
Wire transfer or ACH. $50K minimum. Funds held in custodial account until close.
Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.
$1.3B+
UpMarket has brokered over $1.3 billion in alternative investments*
*Includes principal invested and appreciation of investments originated via the UpMarket platform based on historical trade volume and valuation estimates through March 31, 2026. Of the total, approximately $301 million is managed by UpMarket Management, with the remaining originated investments managed by affiliates. Past performance is not predictive of future results.
Valuation Growth Over Time
Post-money valuation by round
Previous roundsMost recent
Date
Round
PPS (split-adj.)
Valuation
Mar 2025
Acquisition by Xero
$2.5B
Oct 2024
Series E
$2B
Melio Revenue and Growth
Annual revenue
Why Investors Are Watching Melio
Growth Signal
Melio raised $150M in 2024 at a $2B valuation
Melio closed a $150 million Series E in October 2024, led by Fiserv and joined by Capital One Ventures, Shopify Ventures and others. The round valued the SMB payments platform at $2 billion, according to company coverage.
Product Milestone
Melio’s SMB platform manages AP, AR and QuickBooks links
Melio provides a digital platform for small and medium-sized businesses to manage accounts payable and receivable, with payment scheduling and international transfers. Its integrations include QuickBooks, positioning the product as a workflow tool rather than a point payment app.
Market Opportunity
Melio targets SMB B2B payments in a crowded market
Melio focuses on small and medium-sized businesses that need faster ways to send and receive B2B payments and manage cash flow. Coverage notes the market is crowded, but the company is still expanding its payments and receivables footprint.
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No. As of March 2026, Melio is a private company and does not trade on any public stock exchange. Accredited investors can access Melio shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Melio does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Melio shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered more than $500M in alternative investments since 2019.
Pre-IPO investments carry significant risks. Melio shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Melio operates a B2B payments platform for small businesses with $60M+ in 2024 revenue, following a $150M 2024 raise at a $2B valuation and now valued at $2.5B in secondary markets — accredited investors can access Melio stock through UpMarket.