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Cleo Pay is a REST API that lets you automate business-to-business payments end to end. Connect your bank account, manage vendors as contacts, track invoices as payables, and send ACH payments — all programmatically, without leaving your own systems. Whether you’re building an accounts-payable workflow, a vendor payout engine, or a finance automation tool, Cleo Pay gives you the primitives to do it.

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Key features

Payables

Model invoices and bills as payables with a full document lifecycle (draft → approved) and independent payment tracking (none → settled). Attach line items, due dates, and contact associations.

Contacts

Represent vendors and payees as contacts. Control payment direction, store tax information, and track whether a contact is ready to receive funds.

Bank Accounts

Link your business bank accounts manually via the API or through Plaid in the dashboard. Verify ownership with micro-deposits before sending any funds.

Payments

Send ACH payments to a contact directly or against a payable. Choose clearing speed, schedule future payments, and track status from pending through completed.

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How it works

Getting from zero to a completed payment takes three steps:
1

Link a bank account

Add your business checking or savings account via POST /v1/bank-accounts. Complete micro-deposit verification to unlock outbound payments.
2

Create a contact

Add the vendor or payee you want to pay via POST /v1/contacts. Supply their bank account details so funds have somewhere to land.
3

Send a payment

Initiate an ACH transfer via POST /v1/payments. Reference a payable to pay an invoice, or send directly to a contact. Track progress through the payment status lifecycle.

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API base URL

All API requests are made against the staging base URL:
Prefix every endpoint path with this URL, for example: https://api.cleo-pay.com/v1/payments.

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Data conventions

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Next steps