How It Works

How to Automate Your Vendor Payments with Cleo Pay

From fast onboarding to secure ACH transfers and automated record-keeping, Cleo handles it all.

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Overview Video

Three Simple Steps to Transform Your Payment Process

01

Quick Business Setup

Connect your business bank account in minutes. Set up your team with role-based access, configure your approval workflows, and you're ready to start paying vendors.

  • Connect your business checking account securely via Plaid
  • Invite your accounting team and set approval thresholds
  • Customize notification preferences for payments and invoices
  • Configure multi-step approval workflows in minutes

Most businesses are live in under 10 minutes

Cleo Pay business setup screen
02

Easy Vendor Onboarding

Send vendors a unique onboarding link by text or email. They submit their bank details and W-9 information in under 15 minutes — no Cleo account required.

  • Generate and share a unique onboarding link per vendor
  • Vendors connect their bank account and submit W-9 info
  • Identity and bank details verified automatically
  • You're notified the moment a vendor is ready to pay

Vendors complete onboarding in under 15 minutes

Vendor onboarding on mobile
03

Seamless Payment Processing

Snap a photo of any invoice. Our AI reads the vendor, amounts, and line items automatically. Approve and pay via ACH with a single click, and records sync to QuickBooks.

  • Capture any invoice by photo or upload
  • AI extracts vendor, amounts, and all line items instantly
  • Route for approval based on your workflow rules
  • Pay via ACH and watch records sync to QuickBooks

Payments land in 1-3 business days

Payment processing in Cleo Pay dashboard

The Cleo Difference

Built for every person in your payment workflow.

Business Owners & Managers

  • Full visibility into every vendor payment
  • Customizable approval workflows
  • Real-time payment status notifications
  • Simple, centralized vendor management
  • Eliminate manual checks and wire transfers

Accounting Teams

  • Automatic W-9 collection at vendor onboarding
  • 1099-NEC tracking and year-end filing prep
  • Seamless QuickBooks sync on every payment
  • Audit-ready payment history and receipts
  • ACH confirmations and remittance records

Vendors & Contractors

  • Get paid directly to your bank account
  • Simple one-time onboarding in 15 minutes
  • No Cleo Pay account required to receive funds
  • Instant payment status notifications
  • Secure W-9 submission with document storage

Frequently Asked Questions

See Cleo in Action

The best way to understand how Cleo can transform your payment processes is to see it for yourself.

Schedule a Demo