Platform Features

One platform for every vendor payment

From the first invoice photo to year-end 1099 filing, Cleo handles the full payment lifecycle for hospitality and event teams.

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Built for the full payment lifecycle

Every tool you need to pay vendors, onboard contractors, and stay compliant.

Cleo payments dashboard

ACH Vendor Payments

Pay any vendor via ACH directly from the Cleo dashboard. Standard (3-5 days) or same-day. Track every transfer through Scheduled, Processing, Paid, or Error.

  • Same-day and standard ACH options
  • Full lifecycle payment tracking
  • Scheduled or immediate transfers
Vendor onboarding flow

Vendor Onboarding

Send a link, vendors complete W-9, connect their bank via Plaid, and are ready to receive ACH payments — all in under 15 minutes.

  • W-9 collection and TIN verification
  • Plaid bank connection in minutes
  • Track onboarding status in real time
AI invoice automation

Invoice Processing

Snap a photo of any invoice. AI reads vendor, amount, dates, and every line item automatically. Edit, approve, and pay from the same screen.

  • AI-powered invoice data extraction
  • Approval workflow before payment
  • Mark as Paid for offline transactions
Shareable payment link flow

Shareable Payment Links

Generate a unique link or QR code. Embed it on your site or text it directly. Vendors connect their bank and submit W-9 info in under 2 minutes.

  • Text, email, or QR code delivery
  • Embeddable iframe for your website
  • Revoke links anytime with URL regeneration

Everything included

No add-ons. Every feature ships with every account.

Same Day ACH

Standard (3-5 days, $0) or Fast (1-2 days). Every transfer tracked through Scheduled, Processing, Paid, or Error.

W-9 & 1099 Compliance

W-9 data collected at onboarding. Cleo flags vendors who cross the $600 threshold. Download signed PDFs anytime.

Approval Workflows

Bills move through Awaiting Approval before payment. Approve, reject, or record out-of-platform payments with Mark as Paid.

Plaid Bank Connection

Connect any US bank via Plaid's secure OAuth flow. Supports thousands of banks. Micro-deposit verification available.

Multi-Business Support

Run multiple businesses under one login. Each has its own vendors, bills, payments, and wallet — fully isolated.

Vendor CRM

Searchable directory with B2B, Payee, and Pending filters. Per-vendor stats: total paid, total owed, and full transaction history.

QR Code Invitations

Share a QR code. Vendors scan and land directly in the connection flow. Regenerate the URL to revoke any outstanding links instantly.

Itemized Line Items

Switch to itemized mode and enter each line with description, quantity, and rate. Total calculates live.

QuickBooks Sync

Push bills, payments, and vendor records directly into QuickBooks. No double-entry, no CSV exports, no reconciliation headaches.

Payment Scheduling

Set a future payment date on any bill. Cleo initiates the ACH transfer automatically. No reminders, no manual follow-up.

Real-Time Notifications

Get notified the moment a vendor onboards, a payment clears, or a bill needs approval. Never miss a step in the payment lifecycle.

Secure by Default

Bank-level encryption, TIN verification, Plaid OAuth — every step of the payment flow is hardened against fraud and unauthorized access.

See the platform in action

Book a 15-minute walkthrough and see how Cleo simplifies vendor payments, onboarding, and compliance for your team.

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