> ## Documentation Index > Fetch the complete documentation index at: https://docs.cleo-pay.com/llms.txt > Use this file to discover all available pages before exploring further. # Cleo Pay: B2B Payments REST API Reference and Guides > Cleo Pay lets you programmatically create invoices, manage vendor contacts, link bank accounts, and send ACH payments — all through a single REST API. 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. Make your first API call and send a payment in under 10 minutes. Learn how to authenticate every request with your Bearer token. Explore every endpoint — payables, contacts, bank accounts, and payments. Understand the Cleo Pay data model before you integrate. ## What you can build Create and track invoices with line items, due dates, and status lifecycles. Manage vendors and payees with bank account and tax information. Link business bank accounts via manual entry or Plaid, with micro-deposit verification. Send ACH payments against invoices or directly to contacts, with scheduling support. Queue future-dated payments that execute automatically at 9:00 AM New York time. Pay invoices in installments — Cleo Pay tracks the remaining balance automatically. ## Get started in 3 steps Every Cleo Pay API request requires a Bearer token in the `Authorization` header. See [Authentication](/authentication) to get your token. 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](/guides/link-bank-account). Create a payable (invoice) for your vendor and submit a payment against it, or send directly to a contact. See [Send a Payment](/guides/send-a-payment).