Regulatory Hurdles and Timelines
While the deal promises strategic acceleration, it must first pass through the gauntlet of regulatory and antitrust review. The transaction is expected to close within six months, subject to clearance under the Hart-Scott-Rodino Act. Should the deal falter on regulatory grounds alone, Xero has agreed to pay a $37.5 million break fee.
As the fintech arms race intensifies, this Xero-Melio union could redraw the competitive map of SMB financial tech in the U.S. — combining sleek accounting tools with powerful, embedded payments in a single, seamless ecosystem.
