Skip to main content
Cleo Pay lets businesses send and receive ACH payments, manage vendor relationships, track invoices, and sync transactions with accounting software — all through a single API.

​
What you can do

  • Send ACH payments — Pay vendors directly from your connected bank account.
  • Receive payments — Share payment links or accept invoices from connected businesses.
  • Manage invoices (payables) — Create, approve, and track invoices through their full lifecycle.
  • Connect with vendors — Establish verified business-to-business connections before transacting.
  • Automate approvals — Configure multi-step approval workflows before payments go out.
  • Sync with accounting — Push payments and invoices to QuickBooks Online automatically.

​
Explore the docs

Quick Start

Send your first payment through the API in a few steps.

Authentication

Authenticate API requests using Bearer tokens.

Businesses

Learn how business types, verification, and profiles work.

API Reference

Browse every endpoint with request and response examples.

​
Business types

Cleo Pay supports two business types:
TypeDescription
fullCan send and receive payments. Requires full KYB verification.
basicReceive-only. Lighter onboarding with IRS TIN verification.