Cleo Pay review
A web-based option for US teams managing contractor onboarding, payments, and 1099 filing.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Cleo Pay is a web-based payment automation platform for hospitality, event, and service businesses. It brings contractor and vendor onboarding, W-9 collection, TIN verification, ACH payments, invoice submission, approvals, payment tracking, and 1099 filing into one workflow. Contractors can onboard through a web link, provide tax details, connect a bank account through Plaid, submit invoices, and track payment status. It is a fit for US teams that want a free starting point for contractor payments and tax administration.
The plan structure ranges from a free contractor-facing option to broader accounts-payable workflows. Get Paid Free supports vendors and contractors with unlimited incoming payments and one user seat. Basic costs $99 per month and includes 15 payments per month, payment scheduling, AI invoice scanning, and W-9 collection. Venues & Promoters Plus costs $199 per month and includes 50 payments, next-day ACH, and automated 1099 filing. Pro costs $299 per month and includes 100 payments, full accounts payable and support, next-day ACH, and same-day payments. Paid plans also charge for additional payments at their stated rates.
Cleo Pay’s strongest fit is for organizations that need contractor self-service alongside payment controls. Approval workflows, line-item extraction, scheduled or immediate payments, and automated tax-form delivery address recurring administrative work, while QuickBooks Online synchronization connects payment and vendor data to accounting operations. It also promotes integrations with NetSuite, Sage Intacct, Xero, and Plaid. The tradeoff is a web-only, single-country payout model, with the free option restricted to one user seat. Teams needing broader geographic coverage or a different access model should compare alternatives before choosing Cleo Pay.
Cleo Pay pros and cons
- Where it wins
- Free onboarding, W-9 verification, ACH payments, and 1099 filing
- Invoice approvals, payment scheduling, and contractor tracking
- QuickBooks Online synchronization plus accounting integrations
- Where it doesn't
- Web access only
- Get Paid Free is limited to one user seat
- Payout support is limited to a single country
Cleo Pay fact sheet, pricing and score →
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