### Overview of Melio Affiliate Program

Melio is a fast-growing payment platform designed to simplify how small businesses pay bills and get paid. Their affiliate program offers an excellent opportunity for marketers in the B2B financial services space to promote a trusted and innovative solution that helps businesses manage cash flow more efficiently. By partnering with Melio, affiliates can promote a valuable tool that takes the complexities out of bill payments and collections while earning competitive commissions.

### Commission Structure

• Melio offers a **tiered commission structure** based primarily on successful referrals who sign up and use the platform for bill payments or collections.
• Affiliates typically earn a **flat commission per funded transaction**, or a percentage of the amount funded depending on the specific campaign or promotional offer in effect.
• The commission is **paid as a one-time payment** after the referred customer completes their first eligible payment through Melio.
• Currently, Melio does **not offer sub-affiliate commissions**, meaning affiliate referrals do not produce residual earnings from downstream affiliates.
• The affiliate cookie duration is generally **30 days**, allowing affiliates to earn commissions on prospects who convert within this window.
• Melio’s affiliate program is managed **internally**, meaning program details and tracking are handled directly by Melio rather than through third-party affiliate networks.

### Melio Affiliate Program Promotion Policy

#### ✅ Allowed Promotion Channels

• Content marketing through blogs and review websites targeting small businesses, entrepreneurs, and finance professionals.
• Email marketing campaigns directed at relevant business lists (where compliant with anti-spam laws).
• Social media advertising and influencer marketing on platforms like LinkedIn, Facebook, and Twitter — especially targeting small business owners.
• Paid search advertising allowed provided the affiliate follows Melio’s brand and messaging guidelines.
• Webinars or educational events discussing improved bill payment solutions.

#### ❌ Prohibited Promotion Channels

• Incentivized traffic or paid-to-click (PTC) schemes.
• Misleading advertising or false claims about Melio’s services.
• Use of unauthorized trademark bidding in paid search campaigns that could confuse users.
• Spamming or unsolicited mass mailings.
• Promotion on adult content sites or any sites with illicit or unethical content.

### Commission Payment Terms

• Commission approval and validation period typically requires **30 to 45 days** after the referred customer’s transaction to account for potential refunds or cancellations.
• The minimum payout threshold is usually set at **$50**, but this can vary if negotiated with Melio directly.
• Payments are made **monthly**, typically by the 15th of the following month after commissions are approved.
• Melio offers commission payments via **PayPal** and may support direct bank transfers depending on the affiliate’s location and preferences.

### Summary

The Melio Affiliate Program is ideal for affiliates targeting small business owners and financial service professionals who want to promote an easy, reliable bill payment solution. With a straightforward and internally managed affiliate setup, attractive commission opportunities, and clear promotion guidelines, Melio supports affiliates in monetizing their audience effectively while helping small businesses improve cash flow management. The program’s 30-day cookie duration and monthly payouts make it both accessible and reliable for affiliate marketers.