What PayPal data does Well pull into Melio?

PayPal streams completed payments, refunds, disputes, holds, and currency-conversion events 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 PayPal event ID preserved on the entry for audit.

How often does PayPal data sync to Melio?

PayPal 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.

How does Well match PayPal records to entries in Melio?

Well scores every candidate match between PayPal 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.

What happens to historical PayPal data when I first connect to Melio?

PayPal exposes the last full year through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Melio ledger, and re-running the backfill is safe because Well tracks the PayPal record IDs and updates existing Melio entries instead of duplicating them.

What happens if I disconnect PayPal or Melio?

Disconnecting PayPal stops the flow at the source. Well asks the PayPal MCP server to revoke the access token; PayPal 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.

How does Well authenticate with PayPal and Melio?

PayPal'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 at rest and in transit under TLS 1.3. PayPal and Melio together cover multiple regions; Well's storage region is configured per workspace.

PayPal to Melio

AvailableNative · PayPalNative · Melio

Connect PayPal to Melio with Well

Pair PayPal disbursements with Melio bills; failed transfers surface inside Well so the next manual schedule reflects the real state.

Connect both toolsView all integrations

PayPal

Source

The PayPal integration connects your payment account to Well via MCP, importing transactions, fees, settlements, and refund data.

Melio

Target

The Melio connection delivers extracted bills into Melio through its Pay Bills email address.

Why this pair

PayPal collects customer revenue; Melio schedules vendor payments on US rails.

Connecting PayPal to Melio through Well surfaces the latest PayPal settlement alongside the Melio payment queue with the underlying transaction breakdown attached on each payment record and the currency conversion stamped on the value date. PayPal's MCP server pushes settlement events to Well; Melio's Smart Bill Capture creates the bill from the PDF Well forwards with the underlying transaction reference attached.

What Well does between PayPal and Melio

One-way: PayPal into Well into Melio
Sync mode: Real-time MCP push
Events arrive in seconds

Trigger from PayPal

9 events · pick one

Well engine·recipe·When a PayPal payment is captured

Source

from payment · live webhook

Sunrise Coffee Co.

via PayPal

Payment

When a PayPal payment is captured

ch_1q5nk · 22 Apr 2026€1,284.00

Extract

6 fields read from PayPal

6 fields read

CustomerSunrise Coffee Co.
Charge date22 Apr 2026
Charge amount€1,284.00
CurrencyEUR
Processing fee€37.24

Enrich

against your historical record graph

4 fields added

Customer recordSunrise Coffee Co.
Domainsunrisecoffee.com
Tax idUS12-3456789
Sales journalVE · 2026

Confidence97%

<55% refused55–85% review≥85% auto-posts

Post

schedule as bills

Create a bill in your Melio inbox

auto-posted

posted

TypeBill
VendorSunrise Coffee Co.
Amount€1,284.00
LedgerVE · 2026
Source docattached
Confidence97%

audit linkto Melio

Action in Melio

1 compatible with this trigger

Create a bill in your Melio inbox

Bridge PayPal payouts to Melio reimbursements.

01Featured

Bridge merchant payouts to vendor reimbursements

PayPal payout batches are joined to the reimbursement records inside Well by date and total. The per-line breakdown becomes individual documents forwarded to Melio, so a payout that covers 30 reimbursements arrives as 30 entries you can confirm one by one, not one lump sum to chase down later.

Detect failed disbursements

A failed PayPal disbursement triggers a flag inside Well: the linked vendor payment is marked needs reschedule, the PayPal failure code is attached, and the workspace owner is notified with the candidate next-payment date based on your standard reschedule policy.

Tie chargebacks to the originating vendor bill

Chargebacks landing in PayPal are traced back to the originating vendor bill inside Well by reference and amount. The chargeback context is forwarded to Melio on the affected document, so AP can decide whether to reschedule a corrected payment or write off the loss with the original PayPal reason in hand.

Settle expense reimbursements weekly

Approved expense reimbursements are batched inside Well into a weekly PayPal disbursement run, paid in a single ACH window, and matched on settlement. The per-claim audit trail stays intact inside Well and on the matched documents forwarded to Melio.

16 signals and actions across PayPal and Melio

When a PayPal payment is captured
Pulls from PayPal transaction events. Captures completed PayPal payments with buyer, amount, and order id.
Trigger·Transaction
When a PayPal subscription renews
Pulls from PayPal transaction events. Detects recurring billing cycles and matches the new charge to the contract.
Trigger·Invoice
When a PayPal chargeback is filed
Pulls from PayPal transaction events. Flags the contested transaction and preserves the dispute trail.
Trigger·Transaction
When a new buyer's first PayPal capture is recorded
Pulls from PayPal transaction events. Recognises a first-time buyer from the capture and prepares a customer record.
Trigger·Company
When a PayPal capture is denied
Pulls from PayPal transaction events. Surfaces denied captures with the denial reason for follow-up.
Trigger·Transaction
When a PayPal checkout completes
Pulls from PayPal transaction events. Picks up the moment a buyer finishes checkout, before the bank settlement.
Trigger·Transaction
When a PayPal payout settles
Pulls from PayPal transaction events. Tracks settlement batches with the covered captures and processing fees.
Trigger·Transaction
When a PayPal payment is held pending review
Pulls from PayPal transaction events. Detects pending captures and waits for the resolution before posting.
Trigger·Transaction
When a PayPal-issued invoice is paid
Pulls from PayPal transaction events. Captures invoices issued through PayPal with line items and tax.
Trigger·Invoice

Reference

Field mapping for PayPal → Melio

4 fields across 1 record type, open to see the full table.

Transaction fields

4 fields flow from PayPal into Melio.

PayPal field	Label		Melio field	Label
capture.amount.currency_code	Currency	→	currency	Currency
capture.create_time	Capture date	→	scheduled_for	Payment date
capture.id	Capture id	→	payment_id	Payment id
capture.seller_receivable.fee	PayPal fee	→	amount	Amount

Connect PayPal and Melio in three steps.

1
Connect PayPal
Click Connect with PayPal; the PayPal MCP server registers a Well client automatically. PayPal'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 PayPal's completed payments, refunds, disputes, holds, and currency-conversion events and the the Melio Bills Inbox awaiting payment scheduling. Each payout is paired to its scheduled vendor payment by date and total; failed transfers reverse the linked payment automatically so the schedule self-corrects.
- 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

How PayPal and Melio stay secure with Well

Well connects to PayPal through its MCP server, which issues short-lived access tokens via Dynamic Client Registration. Well never holds a long-lived PayPal secret; the server refreshes its own tokens on each session. Well's storage region is configured per workspace regardless of where PayPal and Melio host theirs.

MCP server authStorage region per workspaceGDPR-aligned

Scopes Well requestsmcp.paypal.com/mcp

Read PayPal records
Scoped to completed payments, refunds, disputes, holds, and related records. No access to anything else in your PayPal 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.
granted
Modify or delete PayPal records
Not granted. PayPal is read-only on Well's side; the source of truth never moves.
refused
Read other workspaces' data
Encryption keys are per-workspace; another tenant's records are inaccessible by design.
refused

Disconnect any time from Well settings or PayPal’s admin panel.

Frequently asked questions about PayPal and Melio on Well

01What PayPal data does Well pull into Melio?: PayPal streams completed payments, refunds, disputes, holds, and currency-conversion events 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 PayPal event ID preserved on the entry for audit.
02How often does PayPal data sync to Melio?: PayPal 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 PayPal records to entries in Melio?: Well scores every candidate match between PayPal 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.
04What happens to historical PayPal data when I first connect to Melio?: PayPal exposes the last full year through its API on a connected account. The window Well actually pulls is configurable from the integration settings page; each record is matched against your existing Melio ledger, and re-running the backfill is safe because Well tracks the PayPal record IDs and updates existing Melio entries instead of duplicating them.
05What happens if I disconnect PayPal or Melio?: Disconnecting PayPal stops the flow at the source. Well asks the PayPal MCP server to revoke the access token; PayPal 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 PayPal and Melio?: PayPal'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 at rest and in transit under TLS 1.3. PayPal and Melio together cover multiple regions; Well's storage region is configured per workspace.