The Refer & earn program is gradually rolling out to ensure the best experience for everyone. If you don't see it in your account yet, it's on its way.
This article covers who can participate in Refer & Earn and what a referral needs to meet to qualify for a $300 reward.
Is this article for you?
This article is for Melio users who refer businesses through the Refer & earn program inside their Melio account.
Melio also has a separate Affiliate program, open to anyone — including people who don’t have a Melio account — where you earn a commission by promoting Melio to a broader audience. If you’re looking for that, visit the Melio Affiliate program page.
In this article:
- Who can participate
- What makes a referral completed
- When a referral does not earn a reward
- What the referred business gets
Who can participate
| Who | What they can do |
| Any user role | Share the referral link and refer businesses |
| Owner and Admins | Share the link AND set up / manage the rewards payout account |
| Any Melio account | Participate - rewards always accrue to your business, and not to the individual who referred a business |
Non-owner/admin users don’t see the Set up account and Manage payouts buttons.
What makes a referral completed
A referral is completed and reward-eligible when both of the following are true:
- The business you referred signs up for Melio as a new registration using your link.
- They reach $500 in completed payments (sent to a vendor or received from the customer) within 60 days of signing up.
"Completed" means the payment has actually been sent or received. If a payment is scheduled within the 60-day window but completes shortly after, it still counts toward the payments threshold.
When a referral does not earn a reward
- The referred business doesn't reach $500 in completed payments within 60 days - the referral moves to Expired status.
- The signup is not a new Melio registration (for example, the business already has a Melio account).
- The referred business didn’t use your referral link to register their Melio account.
- The referral does not pass Melio's or Impact.com's standard risk checks.
- For accountants: the referred business is already managed by you and appears in your Clients list. Only businesses who manage their payments by themselves can become completed referrals.
What the referred business gets
Businesses that sign up through a referral link receive a 15% discount on their Melio subscription. This is the same discount offered to any new Melio registration. It's applied at sign-up, no promo code needed.