Tax documents - Cleo Pay

Cleo Pay manages two types of tax documents: W-9 forms and 1099-NEC documents. W-9s capture taxpayer identity and classification for your vendors. 1099-NECs summarize total payments you made to a vendor over the tax year and are required to be filed with the IRS when payments exceed the reporting threshold.

W-9 forms
1099-NEC documents

A W-9 collects a vendor’s legal name, tax classification, and Taxpayer Identification Number (TIN). Cleo Pay stores a W-9 for each business and for each vendor connection.

View your business W-9

Retrieve the W-9 on file for your own business. This is useful for sharing your tax details with payers who request them.

curl --request GET \
  --url https://api.cleo-pay.com/api/businesses/{businessId}/w9 \
  --header 'Authorization: Bearer YOUR_TOKEN'

The response includes a signed download URL for the W-9 PDF.

View a vendor connection’s W-9

Each vendor connection on Cleo Pay may have a W-9 on file. Retrieve it by connection ID:

curl --request GET \
  --url https://api.cleo-pay.com/api/connections/{connectionId}/w9 \
  --header 'Authorization: Bearer YOUR_TOKEN'

The response includes the W-9 PDF download URL for that vendor.

If a vendor has not yet completed their tax information in Cleo Pay, this endpoint returns a 404 or empty result. You may need to request that the vendor complete their profile.

Bulk download all vendor W-9s

To download all vendor W-9s at once — for example, at the end of the tax year — use the bulk download endpoint. Cleo Pay packages all available W-9s into a single ZIP file.

curl --request GET \
  --url https://api.cleo-pay.com/api/connections/w9s/bulk-download \
  --header 'Authorization: Bearer YOUR_TOKEN' \
  --output w9s.zip

The response is a binary ZIP archive containing one PDF per vendor connection that has a W-9 on file.

A 1099-NEC reports the total non-employee compensation you paid to a vendor during the tax year. Cleo Pay generates 1099-NEC documents automatically for vendors where payments meet or exceed the IRS reporting threshold ($600 for most payment types).

When 1099-NECs are generated

Cleo Pay calculates total payments to each vendor at the end of the tax year. If payments to a vendor exceed the reporting threshold, Cleo Pay generates a 1099-NEC document for that vendor. Documents are typically available in late January following the tax year.

1099-NECs are generated for payments processed through Cleo Pay. Payments made outside the platform are not included in Cleo Pay’s calculations.

List your 1099-NEC documents

Retrieve all 1099-NEC documents for your business:

curl --request GET \
  --url https://api.cleo-pay.com/api/tax-documents/1099-nec \
  --header 'Authorization: Bearer YOUR_TOKEN'

The response lists each document with a documentId, the associated vendor, the tax year, and the total payment amount reported.

Download a 1099-NEC PDF

Download the PDF for a specific document by its ID:

curl --request GET \
  --url https://api.cleo-pay.com/api/tax-documents/1099-nec/{documentId}/download \
  --header 'Authorization: Bearer YOUR_TOKEN' \
  --output 1099-nec.pdf

The response is the binary PDF file. You can file this document with the IRS or share a copy with the vendor.

Download and store all 1099-NEC PDFs before the IRS filing deadline (typically January 31). Retain copies for at least four years as part of your tax records.

API reference

Method	Endpoint	Description
`GET`	`/api/businesses/{businessId}/w9`	Get your business W-9
`GET`	`/api/connections/{connectionId}/w9`	Get a vendor connection’s W-9
`GET`	`/api/connections/w9s/bulk-download`	Bulk download all W-9s as ZIP
`GET`	`/api/tax-documents/1099-nec`	List 1099-NEC documents
`GET`	`/api/tax-documents/1099-nec/{documentId}/download`	Download a 1099-NEC PDF

Documentation Index

​View your business W-9

​View a vendor connection’s W-9

​Bulk download all vendor W-9s

​When 1099-NECs are generated

​List your 1099-NEC documents

​Download a 1099-NEC PDF

​API reference

View your business W-9

View a vendor connection’s W-9

Bulk download all vendor W-9s

When 1099-NECs are generated

List your 1099-NEC documents

Download a 1099-NEC PDF

API reference