Skip to main content
Cleo Pay supports three payment flows:
  • Standard payment — pay a specific approved payable
  • Quick pay — ad-hoc payment without creating a payable first
  • Bulk payment — pay multiple payables in a single request
All payments use ACH transfers through linked bank accounts.

​
Initiate a payment

POST /api/payments/initiate Initiates an ACH payment for a specific payable. The payable must be in APPROVED status before you can initiate payment.

​
Request body

​
payableId
string
required
The ID of the approved payable to pay.
​
fundingSourceId
string
required
The ID of the bank account to pay from.
​
clearingSpeed
string
default:"standard"
ACH clearing speed. Accepted values: standard (1–3 business days), sameDay (same business day, if submitted before cutoff).
​
scheduledDate
string
ISO 8601 date to schedule the payment for a future date. If omitted, the payment is initiated immediately.
curl --request POST \
  --url https://api.cleo-pay.com/api/payments/initiate \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "payableId": "pay_ghi789",
    "fundingSourceId": "fs_xyz789",
    "clearingSpeed": "standard"
  }'

​
Quick pay

POST /api/payments/quick-pay Sends an ad-hoc payment to a connected business without creating a payable first. Useful for one-off transfers.

​
Request body

​
connectionId
string
required
The ID of the connection (the business to pay).
​
amount
number
required
Payment amount in dollars.
​
fundingSourceId
string
required
The ID of the bank account to pay from.
​
memo
string
Optional note to include with the payment.
curl --request POST \
  --url https://api.cleo-pay.com/api/payments/quick-pay \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "connectionId": "conn_def456",
    "amount": 750.00,
    "fundingSourceId": "fs_xyz789",
    "memo": "Reimbursement for March expenses"
  }'

​
Bulk initiate payments

POST /api/payments/bulk-initiate Initiates ACH payments for multiple approved payables in a single request. Each item in the array is processed independently.

​
Request body

​
payments
array
required
Array of payment objects to initiate.
curl --request POST \
  --url https://api.cleo-pay.com/api/payments/bulk-initiate \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "payments": [
      {
        "payableId": "pay_ghi789",
        "fundingSourceId": "fs_xyz789",
        "clearingSpeed": "standard"
      },
      {
        "payableId": "pay_jkl012",
        "fundingSourceId": "fs_xyz789",
        "clearingSpeed": "sameDay"
      }
    ]
  }'
If one payment in a bulk request fails validation, the entire request is rejected. Ensure all payables are in APPROVED status before calling bulk initiate.

​
Cancel a payment

POST /api/payments/{paymentId}/cancel Cancels a held or scheduled payment. You can only cancel payments that have not yet been submitted to the ACH network.

​
Path parameters

​
paymentId
string
required
The ID of the payment to cancel.
curl --request POST \
  --url https://api.cleo-pay.com/api/payments/pmt_mno345/cancel \
  --header "Authorization: Bearer <token>"
Once a payment is submitted to the ACH network, it cannot be cancelled through the API. Contact Cleo Pay support for assistance with in-flight payments.