Meld

Financial Services95% confidence

Meld (Meld Universal Inc.) is a fintech infrastructure platform that provides APIs and tools for developers and businesses to connect bank accounts, move money, and enable fiat-to-crypto and crypto-to-fiat payments globally.

Los Altos, California, United States
meld.io

About Meld

Meld, operated by Meld Universal Inc., is a fintech infrastructure and “Fintech Stack as a Service” platform that helps developers and businesses embed financial services and digital asset functionality into their own products. Through a unified API and routing layer, Meld connects to multiple banking, payments, identity verification, and crypto on‑/off‑ramp providers so that companies can support bank account linking, fiat and crypto payments, stablecoin payouts, and cross‑border transfers without building dozens of separate integrations.([g2.com](https://www.g2.com/sellers/meld-io?utm_source=openai))

A charge from "STRIPE*MELD.IO" on a card statement typically reflects a payment processed via Stripe on behalf of Meld for services related to a crypto purchase, digital asset on‑ramp/off‑ramp, or another transaction routed through a partner application that uses Meld’s infrastructure. For example, when a user buys cryptocurrency or funds a wallet inside a third‑party app or crypto casino, Meld may power the on‑ramp flow while Stripe acts as the underlying card processor, resulting in this combined descriptor.([meldcrypto.com](https://meldcrypto.com/?utm_source=openai))

If you have questions about such a charge, first check the app or website where you initiated a crypto purchase or financial transaction; you’ll usually find an order or transaction ID that matches the date and amount shown on your card statement. You can also search your email for receipts referencing Meld or the partner platform (e.g., an exchange, wallet, or gaming site). If it’s still unclear, contact that platform’s support with the exact amount, time, and the “STRIPE*MELD.IO” descriptor, as they can look it up in their records. For escalations directly involving Meld’s services, you can reach out through the contact or “Get in touch” forms on meld.io, providing transaction details so they can coordinate with the relevant partner and Stripe if needed.([meldcrypto.com](https://meldcrypto.com/?utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Meld.

Frequently Asked Questions

Why do I see a charge from STRIPE*MELD.IO on my credit or debit card?

This descriptor indicates that your card payment was processed by Stripe on behalf of Meld, usually as part of a crypto or digital asset transaction (such as buying Bitcoin or stablecoins, or funding a wallet) within an app or website that uses Meld’s on‑ramp/off‑ramp and payments infrastructure.

What kinds of transactions typically generate a Meld (MELD.IO) card charge?

Most card charges related to Meld come from using a crypto on‑ramp flow—buying digital assets with a card, funding a crypto casino or exchange account, or converting fiat to stablecoins—inside a partner application that embeds Meld’s APIs. The partner app handles the user experience, while Meld orchestrates routing to providers and Stripe processes the card itself.([meldcrypto.com](https://meldcrypto.com/?utm_source=openai))

Is a STRIPE*MELD.IO charge a subscription or a one‑time payment?

Meld’s pricing model toward business customers is transactional, and consumer‑facing flows (like crypto purchases) are generally one‑time payments for a specific buy or transfer amount, sometimes with fees included. If you see repeating charges of the same amount, review the partner app to see if you enabled recurring purchases or automated funding and adjust those settings there.([g2.com](https://www.g2.com/products/meld/pricing?utm_source=openai))

How can I confirm which app or service created my Meld‑related charge?

Match the date and amount on your card statement with your transaction history in any crypto exchanges, wallets, casinos, or financial apps you used that day. Many of these apps note that their on‑ramp is “powered by Meld.io” or similar in the buy‑flow or receipts; check in‑app history and your email receipts for those references to identify the originating service.([meldcrypto.com](https://meldcrypto.com/?utm_source=openai))

How do I request a refund or dispute a transaction associated with Meld.io?

Start with the app or website where you initiated the transaction—refunds and reversals are controlled by that merchant’s policies, not by Meld directly. Use their support or help center to request a refund, providing the transaction ID, amount, and the STRIPE*MELD.IO descriptor. If the merchant confirms a refund, it will typically be processed back to your card via Stripe; if you suspect fraud and cannot resolve it with the merchant, contact your card issuer to initiate a dispute.

Can Meld or Stripe place temporary authorization holds that I see as pending charges?

Yes. When you start a crypto buy or similar transaction, the underlying processor (Stripe) may place an authorization hold on your card to verify funds and risk. If the transaction is cancelled or fails, that hold may appear as a pending STRIPE*MELD.IO amount and then fall off automatically, usually within a few business days, without posting as a final charge.

How can I contact Meld about a potential issue with a MELD.IO charge?

Consumers typically need to contact the app or merchant they used, but if you’re a business customer or have been directed to Meld, you can reach them through the contact forms and email addresses listed on meld.io (for example via the "Get in touch" or careers/contact sections). Include your company name, relevant transaction IDs, and a description of the issue so their team can investigate or coordinate with partners.([meld.io](https://www.meld.io/policy/privacy-policy?utm_source=openai))

What should I do if I don’t recognize a STRIPE*MELD.IO transaction at all?

First, verify that no one in your household made a crypto purchase, funded a wallet, or used an app that embeds Meld for payments on that date. If no one recognizes it, lock your card, report the transaction as unrecognized to your card issuer, and ask about filing a dispute. Your bank may reach out to Stripe and the underlying merchant (the partner application) using the transaction details to investigate possible fraud.

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