Skip to main content
Cleo Pay lets you receive ACH payments from other businesses — whether they’re existing Cleo Pay users or external payers using a payment link. This guide covers how to configure your business to accept payments and monitor incoming funds.

​
Choose your business type

A full business can both send and receive payments. Register with POST /api/businesses and complete KYB verification.Full business registration is required if you plan to send payments in addition to receiving them. See Business Setup for complete onboarding steps.
Your Pay-Me Link is a unique URL that lets anyone — including payers who aren’t on Cleo Pay — send you an ACH payment directly. Configure it after your business is registered:
1

Get your Pay-Me Link settings

Retrieve your current Pay-Me Link configuration and eligibility status:
curl https://api.cleo-pay.com/api/businesses/biz_abc123/pay-me-link \
  -H "Authorization: Bearer YOUR_TOKEN"
The response shows whether the Pay-Me Link is enabled, your current token, and any configured min/max payment amounts.
2

Enable and configure the link

Enable your Pay-Me Link and optionally set minimum and maximum payment amounts:
curl -X POST https://api.cleo-pay.com/api/businesses/biz_abc123/pay-me-link/configure \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "enabled": true,
    "minAmount": 1000,
    "maxAmount": 10000000
  }'
Amounts are in cents. 1000 = 10.00,‘10000000‘=10.00, `10000000` = 100,000.00.
3

Share your Pay-Me Link

Your Pay-Me Link is available at https://app.cleo-pay.com/pay-me/{token}. Include it in emails, invoices, and your website so payers can send funds to you directly.To generate a new token (for example, if you want to invalidate the old link):
curl -X POST https://api.cleo-pay.com/api/businesses/biz_abc123/pay-me-link/regenerate-token \
  -H "Authorization: Bearer YOUR_TOKEN"
For invoice-specific payments, enable a payment link on a specific payable. Your customer receives a unique URL to pay that exact invoice:
1

Enable a payment link for a payable

curl -X POST https://api.cleo-pay.com/api/businesses/biz_abc123/payables/pay_xyz789/payment-link/enable \
  -H "Authorization: Bearer YOUR_TOKEN"
2

Send the payment link to your customer

Send the payment link via email directly from Cleo Pay:
curl -X POST https://api.cleo-pay.com/api/businesses/biz_abc123/payables/pay_xyz789/payment-link/send \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "accounts@customer.com",
    "message": "Please pay invoice INV-2026-042 at your earliest convenience."
  }'
3

Check payment link status

Verify whether the payment link is active and whether the invoice has been paid:
curl https://api.cleo-pay.com/api/businesses/biz_abc123/payables/pay_xyz789/payment-link \
  -H "Authorization: Bearer YOUR_TOKEN"

​
Monitor incoming payments

Use GET /api/getting-paid-payables to see all payables where your business is the payee — including payments from Cleo Pay connections and external payers: 
curl https://api.cleo-pay.com/api/getting-paid-payables \
  -H "Authorization: Bearer YOUR_TOKEN"
The response lists each incoming payable with its status, amount, payer details, and payment date.

​
Withdraw your balance

When payments are received, they settle into your Cleo Pay balance. Withdraw to your connected bank account at any time: 
curl -X POST https://api.cleo-pay.com/api/businesses/biz_abc123/withdraw-balance \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 500000,
    "fundingSourceId": "fs_abc123"
  }'
To check your current available balance before withdrawing: 
curl https://api.cleo-pay.com/api/businesses/biz_abc123/balance \
  -H "Authorization: Bearer YOUR_TOKEN"