PCI scope and architecture Clear SAQ versus DSS paths, tokenization, and vendor segmentation. | Unsupported PCI scope and architecture: not positioned as core on melio.com for typical P&C paths, or unknown—verify. Market‑map placeholder only—treat support level as unverified until researched. | Native PCI scope and architecture: positioned as native or first‑class on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Claims disbursements Straight-through and supervised disbursements with dual controls. | Native Claims disbursements: positioned as native or first‑class on melio.com. Market‑map placeholder only—treat support level as unverified until researched. | Native Claims disbursements: positioned as native or first‑class on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Premium collection orchestration Portal billing, lockbox, card, and ACH with returned-payment flows. | Partial Premium collection orchestration: often partial, partner‑mediated, or LOB‑specific—confirm on melio.com. Market‑map placeholder only—treat support level as unverified until researched. | Partial Premium collection orchestration: often partial, partner‑mediated, or LOB‑specific—confirm on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Reconciliation and exceptions Auto-match, suspense, and investigator queues for unidentified cash. | Unsupported Reconciliation and exceptions: not positioned as core on melio.com for typical P&C paths, or unknown—verify. Market‑map placeholder only—treat support level as unverified until researched. | Native Reconciliation and exceptions: positioned as native or first‑class on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Chargebacks and returns Returns, chargebacks, escheatment posture, and NSF remediation. | Unsupported Chargebacks and returns: not positioned as core on melio.com for typical P&C paths, or unknown—verify. Market‑map placeholder only—treat support level as unverified until researched. | Unsupported Chargebacks and returns: not positioned as core on oneinc.com for typical P&C paths, or unknown—verify. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Embedded finance and premium finance Premium finance handoffs, installment programs, and disclosure capture. | Partial Embedded finance and premium finance: often partial, partner‑mediated, or LOB‑specific—confirm on melio.com. Market‑map placeholder only—treat support level as unverified until researched. | Native Embedded finance and premium finance: positioned as native or first‑class on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Payment fraud monitoring Velocity checks, mule detection, and device intelligence on pay flows. | Unsupported Payment fraud monitoring: not positioned as core on melio.com for typical P&C paths, or unknown—verify. Market‑map placeholder only—treat support level as unverified until researched. | Partial Payment fraud monitoring: often partial, partner‑mediated, or LOB‑specific—confirm on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |
Finance core alignment Alignment to enterprise resource planning or ledger mappings for cash and suspense. | Unsupported Finance core alignment: not positioned as core on melio.com for typical P&C paths, or unknown—verify. Market‑map placeholder only—treat support level as unverified until researched. | Partial Finance core alignment: often partial, partner‑mediated, or LOB‑specific—confirm on oneinc.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. |