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Auth and onboarding

Before embedding Melio in your application, you must provide authentication and identify the current user and company with Melio. This ensures that the embedded experience is properly configured for the specific user and organization context.

Melio provides three distinct methods for authentication and onboarding:

Authentication Methods​

1. JWE Token​

A secure token-based approach where user and company data is encoded directly within a JSON Web Encryption (JWE) token payload and passed to melio's application via the client-side.

Quick and easy - it does not require exposing api endpoints or communicate with Melio's backend in any way.

2. OAuth (OIDC)​

A standard OAuth 2.0/OpenID Connect authentication code flow that allows Melio to retrieve user information through the authentication process.

Use your existing authentication framework to integrate securely with a familiar authentication flow.

A backend-to-backend integration approach where user onboarding is handled via the Melio API. This method generates one-time authentication links that can be used to authenticate users without requiring frontend authentication flows.

By leveraging backend apis get the fastest experience for your users.