What 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.

How 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.

How 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.

Can 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.

What 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.

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

Xero to Melio

AvailableNative · XeroNative · Melio

Connect Xero to Melio with Well

Move Xero bills and contacts through Well and into Melio as bills, with the audit trail kept on every record.

Connect both toolsView all integrations

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.

Why this pair

Connect Xero to Melio through Well so records flow without manual rework.

What Well does between Xero and Melio

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

Trigger from Xero

4 events · pick one

Well engine·recipe·When a Xero invoice is read

Source

from upload · live webhook

Vercel Sarl

via Xero

Invoice

When a Xero invoice is read

INV-2026-04-100 · 22 Apr 2026€1,284.00

Extract

6 fields read from Xero

6 fields read

VendorVercel Sarl
Invoice numberINV-2026-04-100
Issue date22 Apr 2026
Total€1,284.00
Tax€256.80

Enrich

against your historical record graph

5 fields added

Legal entityVercel Sarl
Tax idFR67898212340
Domainvercel.com
Ledger account6156 · Hosting

Confidence97%

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

Post

schedule as bills

Create a bill in your Melio inbox

auto-posted

posted

TypeBill
VendorVercel Sarl
Amount€1,284.00
Ledger6156 · Hosting
Source docattached
Confidence97%

audit linkto Melio

Action in Melio

1 compatible with this trigger

Create a bill in your Melio inbox

12 signals and actions across Xero and Melio

When a Xero bank transaction is read
Captures spent and received money transactions reconciled in Xero with amount and account code.
Trigger·Transaction
When a Xero bank account is read
Pulls the bank-type accounts from the Xero chart of accounts with currency and account number.
Trigger·Account
When a Xero payment is read
Reads the payment applied to a Xero invoice or bill with method, account, and amount.
Trigger·Payment method
When a Xero purchase order is read
Pulls Xero purchase orders with supplier, line items, and totals to match against the arriving bill.
Trigger·Invoice
When a Xero invoice attachment is read
Picks up the source PDF attached to a Xero invoice as a document.
Trigger·Document
When a Xero invoice is read
Pulls Xero sales and purchase invoices with contact, line items, totals, and tax.
Trigger·Invoice
When a Xero contact is read
Pulls Xero contacts with name, trading address, and tax number to match against your companies.
Trigger·Company
When a Xero credit note is read
Captures Xero credit notes with contact, totals, and tax so refunds reconcile against the original invoice.
Trigger·Invoice
Create a bill in your Melio inbox
Well forwards the PDF to your @invoicesmelio.com address; Melio's Smart Bill Capture lifts the vendor, amount, and due date into a Bills Inbox entry that waits for you to schedule a payment date and funding method.
Action·Invoice

Reference

Field mapping for Xero → Melio

10 fields across 2 record types, open to see the full table.

Invoice fields

5 fields flow from Xero into Melio.

Xero field	Label		Melio field	Label
Invoice.Total.total	Total	→	amount	Amount
Invoice.CurrencyCode.currency	Currency	→	currency	Currency
Invoice.DueDate.due_date	Due date	→	due_date	Due date
Invoice.InvoiceNumber.invoice_number	Invoice number	→	bill_number	Bill number
Invoice.InvoiceID.id	Xero id	→	bill_id	Bill id

Transaction fields

5 fields flow from Xero into Melio.

Xero field	Label		Melio field	Label
BankTransaction.Total.amount	Amount	→	amount	Amount
BankTransaction.CurrencyCode.currency	Currency	→	currency	Currency
BankTransaction.Date.created	Transaction date	→	scheduled_for	Payment date
BankTransaction.Reference.description	Reference	→	reference	Reference
BankTransaction.BankTransactionID.transaction_id	Transaction id	→	payment_id	Payment id

Connect Xero and Melio in three steps.

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
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
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 Xero and Melio stay secure with Well

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

MCP server authStorage region per workspaceGDPR-aligned

Scopes Well requestswellapp.ai/v1/mcps/xero/mcp

Read Xero records
Scoped to bills, contacts, tracking categories, and tax types read over Xero's MCP server. No access to anything else in your Xero 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 Xero records
Not granted. Xero 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 Xero’s admin panel.

Frequently asked questions about Xero and Melio on Well

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