# Cleo Pay

## Docs

- [Cleo Pay API Overview: Automate B2B Payments End to End](https://docs.cleo-pay.com/introduction.md): Learn how Cleo Pay's REST API works: manage payables, contacts, and bank accounts to automate your B2B payment operations end to end.
- [Cleo Pay API Authentication: Bearer Token Setup and Usage](https://docs.cleo-pay.com/authentication.md): Add a Bearer token to every Cleo Pay API request to authenticate. Learn the header format, error codes, and token security best practices.
- [Cleo Pay Quickstart: Send Your First ACH Payment via API](https://docs.cleo-pay.com/quickstart.md): Follow five steps to send your first ACH payment with Cleo Pay: verify a bank account, add a vendor contact, and call POST /v1/payments.
- [Payables: Managing the Invoice Lifecycle in Cleo Pay](https://docs.cleo-pay.com/concepts/payables.md): Payables are invoices in Cleo Pay. Learn the document status lifecycle, payment progress tracking, line items, and how to use them in your AP workflow.
- [Contacts: Manage Your Vendors and Payees in Cleo Pay](https://docs.cleo-pay.com/concepts/contacts.md): Contacts represent vendors and payees in Cleo Pay. Learn about contact types, statuses, payment direction, tax info, and the paymentReady flag.
- [Bank Accounts: Link and Verify Your Funding Sources](https://docs.cleo-pay.com/concepts/bank-accounts.md): Learn how Cleo Pay bank accounts work, including manual linking, micro-deposit verification, and the verification lifecycle states.
- [Payments: Send and Track ACH Transfers in Cleo Pay](https://docs.cleo-pay.com/concepts/payments.md): Understand Cleo Pay payment statuses, clearing speeds, scheduling, partial payments, and how payments relate to payables and contacts.
- [Send an ACH Payment with Cleo Pay](https://docs.cleo-pay.com/guides/send-a-payment.md): Learn how to send ACH payments via the Cleo Pay API — pay an existing invoice or send directly to a contact with one API call.
- [Schedule a Future Payment with Cleo Pay](https://docs.cleo-pay.com/guides/schedule-a-payment.md): Schedule ACH payments for a future date using the Cleo Pay API. Payments execute at 9:00 AM New York time on the chosen date.
- [Link and Verify a Bank Account in Cleo Pay](https://docs.cleo-pay.com/guides/link-bank-account.md): Add a business bank account to Cleo Pay via the API using manual entry, then verify it with two micro-deposits before sending payments.
- [Manage Vendors and Payees in Cleo Pay](https://docs.cleo-pay.com/guides/manage-contacts.md): Create, update, archive, and restore vendor contacts in Cleo Pay. Learn how to set up payees with bank accounts and tax information.
- [Connect AI Agents to Cleo Pay with the MCP Server](https://docs.cleo-pay.com/guides/mcp-server.md): Connect Claude Code, Cursor, VS Code, or any MCP client to the Cleo Pay MCP server. Authenticate with an API key and manage payables, payments, contacts, and bank accounts.
- [Cleo Pay API Error Codes and Troubleshooting](https://docs.cleo-pay.com/reference/errors.md): Reference for Cleo Pay API HTTP error codes. Understand what each status code means and how to handle errors in your integration.
- [Paginate Cleo Pay API List Endpoints](https://docs.cleo-pay.com/reference/pagination.md): Cleo Pay list endpoints use page and pageSize query parameters. Learn how to paginate results and use search filters efficiently.
- [Cleo Pay Webhooks: Events, Delivery, and Signature Verification](https://docs.cleo-pay.com/reference/webhooks.md): How Cleo Pay webhooks work: the event payload envelope, all event types, HMAC-SHA256 signature verification via the Cleo-Signature header, and retry behavior.
- [GET /v1/payables — List All Payables](https://docs.cleo-pay.com/api-reference/payables/list.md): GET /v1/payables returns a paginated list of payables. Filter by status, search by text, and paginate with page and pageSize parameters.
- [POST /v1/payables — Create a New Payable](https://docs.cleo-pay.com/api-reference/payables/create.md): POST /v1/payables creates a new payable (invoice). Provide contact info, total amount in cents, and optional line items, dates, and memo.
- [GET /v1/payables/{payableId} — Retrieve a Payable](https://docs.cleo-pay.com/api-reference/payables/get.md): GET /v1/payables/{payableId} retrieves a single payable by ID, including full line items, status, payment progress, and contact details.
- [GET /v1/bank-accounts — List Bank Accounts](https://docs.cleo-pay.com/api-reference/bank-accounts/list.md): GET /v1/bank-accounts returns all bank accounts linked to your business. Response includes verification status and account metadata.
- [POST /v1/bank-accounts — Link a Bank Account](https://docs.cleo-pay.com/api-reference/bank-accounts/create.md): POST /v1/bank-accounts links a new bank account to your business. Provide account holder details, full account number, and routing number.
- [GET /v1/bank-accounts/{bankAccountId} — Get a Bank Account](https://docs.cleo-pay.com/api-reference/bank-accounts/get.md): GET /v1/bank-accounts/{bankAccountId} retrieves a single bank account by ID, including verification status and micro-deposit timestamps.
- [DELETE /v1/bank-accounts/{bankAccountId} — Remove a Bank Account](https://docs.cleo-pay.com/api-reference/bank-accounts/delete.md): DELETE /v1/bank-accounts/{bankAccountId} removes a bank account from your business. The account status becomes 'removed' after deletion.
- [POST /v1/bank-accounts/{bankAccountId}/verify-micro-deposits](https://docs.cleo-pay.com/api-reference/bank-accounts/verify-micro-deposits.md): POST .../verify-micro-deposits completes bank account verification. Submit the two micro-deposit dollar amounts to confirm account ownership.
- [List Contacts — GET /v1/contacts Endpoint Reference](https://docs.cleo-pay.com/api-reference/contacts/list.md): GET /v1/contacts returns a paginated list of contacts. Filter by type, status, or free-text search. Revoked contacts are excluded by default.
- [Create Contact — POST /v1/contacts API Reference](https://docs.cleo-pay.com/api-reference/contacts/create.md): POST /v1/contacts creates a new payee or business contact. Optionally include bank account and tax info to make the contact payment-ready on creation.
- [Get Contact — GET /v1/contacts/{contactId} Reference](https://docs.cleo-pay.com/api-reference/contacts/get.md): GET /v1/contacts/{contactId} retrieves a single contact by ID with payment direction, bank account status, tax info, and paymentReady flag.
- [Update Contact — PATCH /v1/contacts/{contactId} Reference](https://docs.cleo-pay.com/api-reference/contacts/update.md): PATCH /v1/contacts/{contactId} updates a contact's display name, emails, phone, address, or net terms. Only payee contacts support most fields.
- [Archive Contact — POST /v1/contacts/{contactId}/archive](https://docs.cleo-pay.com/api-reference/contacts/archive.md): POST /v1/contacts/{contactId}/archive sets a contact's status to archived, hiding it from default list results. Archived contacts can be restored.
- [Restore Contact — POST /v1/contacts/{contactId}/unarchive](https://docs.cleo-pay.com/api-reference/contacts/unarchive.md): POST /v1/contacts/{contactId}/unarchive restores an archived contact to active status. Revoked contacts cannot be unarchived through this endpoint.
- [Create Payment — POST /v1/payments API Reference](https://docs.cleo-pay.com/api-reference/payments/create.md): POST /v1/payments sends an ACH payment against a payable or directly to a contact. Supports scheduling, partial amounts, and clearing speeds.