Get paid faster with invoices that elevate your brand.
Create stunning, professional invoices. Share payment links instantly. Let customers pay by bank in seconds, with zero processing fees.
Why Cleo Pay
Everything you need to invoice, collect, and grow
Beautiful Invoices That Elevate Your Brand
Your invoices are the first thing customers see. Make them count. Add your logo, brand colors, and custom messaging. Create a checkout experience that feels premium, professional, and uniquely yours.
Pay by Bank in Seconds
Powered by PlaidCustomers connect their bank account securely through Plaid. Funds transfer directly, no card networks, no middlemen, no fees.
Instant Payment Links
Faster CheckoutsGenerate a unique payment link for every invoice. Share via email, text, or embed it anywhere. Customers pay in two clicks.
Ditch Credit Card Fees
Save ThousandsStop paying 2.9% + 30c on every transaction. With pay-by-bank, your processing cost is $0. Keep 100% of what you invoice.
Save Templates & Product Libraries
Time SaverSave invoice templates and product/service libraries so you can create and send invoices in seconds, not minutes.
How it works
From invoice to paid in four simple steps
Send. Click. Connect. Paid. It really is that simple.
You send an invoice
Create a professional, branded invoice in seconds. Add line items, set terms, and send it with a unique payment link your customer can use right away.
Customer clicks to pay
Your customer opens the link and sees a clean, branded payment page. They select 'Pay by Bank' for instant, fee-free payment.
Key stepConnect via Plaid
Your customer securely connects their bank account through Plaid. No routing numbers, no account numbers, no friction.
Done. You're paid.
Funds transfer directly. You both get instant confirmation. Your dashboard and QuickBooks update automatically. That's it.
Save thousands by skipping the card networks
Every credit card transaction costs you 2.9% + 30c. On a $10,000 invoice, that is $320 gone. With Cleo Pay, customers pay by bank and you keep every dollar.
How much are card fees costing you?
*No processing fees on pay-by-bank transactions via the Pro plan.
Shareable invoice links
Beautiful invoice pages your customers will actually want to pay
I authorize UNVEILED New York to debit my bank account for $8,000.00 via ACH transfer. This payment will be processed within 1-3 business days.
Bank-level encryption via Plaid · ACH via Dwolla
Branded payment pages
Your logo, your colors. Customers see a professional page that builds trust.
Guest checkout
No account creation required. Customers click, pay, and they are done.
PDF download
Customers can download a PDF copy of the invoice for their own records.
And a whole lot more
Built for modern businesses
Real-Time Analytics
Track revenue, outstanding invoices, and payment trends from a single dashboard. Know your numbers at a glance.
Client Management
Store customer details, view payment history, and manage outstanding balances. Everything you need in one place.
Auto Reminders
Set it and forget it. Payment reminders go out automatically before, on, and after due dates with direct pay links included.
Bank-Level Security
256-bit encryption, Plaid-verified bank connections, and SOC 2 compliance. Your data and your customers' data stays safe.
Everything you need to get paid. Nothing you don't.
Accounts Receivable that feels native to how you already run payments in Cleo Pay.
Send Proposals
Create and send invoices in seconds. No templates. No spreadsheets.
Instant Invoicing
Create and send invoices in seconds. No templates. No spreadsheets.
Multiple payment options
Accept ACH and cards so customers can pay immediately.
Real time cash flow
See what’s owed, what’s paid, and what’s pending in one live view.
AR plus AP, together
Track money coming in and money going out in the same system.
QuickBooks Sync
Two way sync keeps your books clean automatically.
Multi location support
Manage invoicing across locations, brands, or properties effortlessly.
The experience
From payment to confirmation in seconds
Your customers pay. You both know instantly. No manual reconciliation.
Instant confirmations
The moment a payment is received, both you and your customer get a confirmation email.
Real-time dashboard
Payment status updates live. No refreshing. No wondering if it went through.
Automatic receipts
Customers receive a professional receipt with payment details and invoice reference automatically.
See Accounts Receivable in Action
Book a walkthrough and see how Cleo Pay helps you send invoices, collect payments, and ditch processing fees.
FAQ
Common questions about Accounts Receivable
Ready to get paid faster?
Join thousands of businesses using Cleo Pay to create beautiful invoices, skip card fees, and get paid by bank in seconds.