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Cleo Pay is a B2B payments platform with a REST API that gives your business full programmatic control over your payables workflow. Create invoices, onboard vendors as contacts, link your bank accounts, and send or schedule ACH payments — all without leaving your own application.

Quick Start

Make your first API call and send a payment in under 10 minutes.

Authentication

Learn how to authenticate every request with your Bearer token.

API Reference

Explore every endpoint — payables, contacts, bank accounts, and payments.

Core Concepts

Understand the Cleo Pay data model before you integrate.

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What you can build

Payables

Create and track invoices with line items, due dates, and status lifecycles.

Contacts

Manage vendors and payees with bank account and tax information.

Bank Accounts

Link business bank accounts via manual entry or Plaid, with micro-deposit verification.

Payments

Send ACH payments against invoices or directly to contacts, with scheduling support.

Scheduled Payments

Queue future-dated payments that execute automatically at 9:00 AM New York time.

Partial Payments

Pay invoices in installments — Cleo Pay tracks the remaining balance automatically.

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Get started in 3 steps

1

Authenticate

Every Cleo Pay API request requires a Bearer token in the Authorization header. See Authentication to get your token.
2

Add a bank account

Link the bank account your business will use to fund payments. You’ll verify it with two small micro-deposits. See Link a Bank Account.
3

Send a payment

Create a payable (invoice) for your vendor and submit a payment against it, or send directly to a contact. See Send a Payment.