Cleo Pay is a hospitality-focused AP automation platform with $0 ACH transaction fees, same-day payments, and transparent pricing. Corpay (formerly Nvoicepay) is an enterprise-focused payment automation platform with opaque, custom-quoted pricing and a 2 to 3 business day standard ACH timeline. For restaurants, venues, and hotels, Cleo Pay offers purpose-built features like AI category matching, one-link vendor onboarding, automated 1099 compliance, and multi-location P&L segmentation. Corpay lacks W-9 collection, 1099 filing, and hospitality-specific workflows.
Book a DemoAssumptions
5 users (3 GMs + 1 finance lead + 1 approver), 200 vendor payments/month, QuickBooks Online sync.
| Cost Item | Cleo Pay | Corpay |
|---|---|---|
| Monthly Subscription | Flat fee (contact for pricing) | Custom quote required. No public rate card |
| ACH Transaction Fees | $0 (200 payments) | Estimated $1-$3/payment x 200 = $200-$600/mo |
| Expedited Payments (10/mo) | $0 | Custom pricing. Not publicly disclosed |
| Monthly Total | Flat fee only | Estimated $400-$900+/mo (varies by contract) |
| Annual Total | Flat fee only | Estimated $4,800-$10,800+/year |
| 3-Year Cost (no growth) | Flat fee only | Estimated $14,400-$32,400+ |
Estimated annual savings vs Corpay
$4,800+
in transaction and per-user fees your team keeps
Corpay does not publish pricing, so any cost estimate requires a sales conversation. Their revenue model relies heavily on virtual card rebates and FX spreads rather than transparent per-transaction fees. For a restaurant group that primarily pays domestic vendors via ACH, the rebate model offers less value, and opaque pricing makes it impossible to budget accurately before signing a contract.
Ready to see how Cleo Pay works for your business?
Book a demoBoth platforms integrate with QuickBooks, and both offer AI-powered categorization. Cleo Pay's integration is purpose-built for hospitality charts of accounts with native class and location code mapping. Corpay offers a broader ERP integration portfolio (Oracle NetSuite, Sage Intacct, Microsoft Dynamics) alongside QuickBooks, but lacks hospitality-specific mapping intelligence.
| Feature | Cleo Pay | Corpay |
|---|---|---|
| QBO Support | Yes, native integration | Yes, direct API integration with real-time sync |
| QB Desktop Support | On roadmap | Yes, supported through integration framework |
| Category Mapping | AI-powered automatic matching for hospitality | AI-powered GL coding suggestions (general-purpose) |
| Vendor Sync | Automatic bi-directional | Automatic sync between Corpay and accounting platform |
| Payment Reconciliation | Auto-marked as paid in QB | Transaction data synced back to accounting system |
| Multi-Location Mapping | Native class/location code mapping | Multi-entity support. No hospitality-specific reporting |
| ERP Breadth | QuickBooks Online focused | NetSuite, Sage Intacct, Dynamics, and more |
This is one of the most significant differences between the two platforms. Cleo Pay automates the entire 1099 lifecycle: W-9 collection during vendor onboarding, real-time TIN verification, automatic 1099-NEC and 1099-MISC generation, and direct e-filing to the IRS. Vendors provide their tax info through the self-service portal, so W-9s are captured before the first payment is ever made. Corpay does not offer W-9 collection, 1099 generation, or e-filing as part of its platform. Businesses using Corpay must rely on their accounting software or a separate tax compliance tool to handle 1099 workflows. For hospitality businesses that rely heavily on 1099 contractors for event staff, musicians, maintenance workers, and freelance vendors, this gap creates significant manual overhead.
Cleo Pay provides a one-link vendor portal. Share a single URL with vendors and they enter their own banking details, W-9 information, and payment preferences. No back-and-forth emails, no spreadsheets. Vendors are payment-ready the moment they submit. Corpay takes a white-glove approach: their in-house vendor enrollment team contacts vendors by mail to enroll them in ACH or virtual card payments. While this reduces internal workload, the process takes 3-5 business days for card enrollment and 5-10 business days for ACH validation. If a vendor does not respond, payments default to mailed checks. For restaurants that frequently onboard new local suppliers and need payments flowing quickly, the multi-day enrollment lag and check fallback create real friction.
Corpay's support is available Monday through Friday, 6:00 AM to 5:00 PM PT via phone, email, and live chat. Enterprise clients generally report better experiences, with some describing support as "top shelf." However, other users report next-business-day reply times and describe the ACH enrollment process as frustrating. The limited review count (37 Capterra reviews vs. hundreds for other platforms) makes it harder to assess consistency. Cleo Pay offers a dedicated support team with deep hospitality industry knowledge, founded by operators who understand the urgency of vendor payments in events and F&B. Direct access with no ticket queues or callback scheduling, and a 4.9/5 customer rating.
See how Cleo Pay stacks up against other AP automation platforms.
Cleo Pay is a hospitality-focused AP automation platform with $0 ACH transaction fees and same-day payments. Tipalti is an enterprise-grade global payables platform that charges ~$1 per domestic ACH, starts at $99/month, and typically requires 4-6 weeks to implement. For restaurants, venues, and hotels, Cleo Pay offers purpose-built features like AI category matching, one-link vendor onboarding, and multi-location P&L segmentation that Tipalti does not provide.
CompareCleo Pay is a hospitality-focused AP automation platform with $0 ACH transaction fees and same-day payments. AvidXchange is a mid-market AP platform that charges $1 plus 1.55% per ACH payment, starts around $440/month, and takes 45 days to implement. For restaurants, venues, and hotels, Cleo Pay offers purpose-built features like AI category matching, one-link vendor onboarding, and multi-location P&L segmentation. While AvidXchange has a hospitality offering (AvidSuite for Hospitality), it is designed for hotels using M3 Accounting, not restaurants or venues.
CompareCleo Pay is a hospitality-focused AP automation platform with $0 ACH transaction fees and same-day payments. Bill.com is a broad SMB solution that charges $0.59 per ACH payment, takes 4 business days for standard transfers, and starts at $45/user/month. For restaurants, venues, and hotels, Cleo Pay offers purpose-built features like AI category matching, one-link vendor onboarding, and multi-location P&L segmentation that Bill.com does not provide.
CompareZero transaction fees. Same-day ACH. Transparent pricing built for hospitality teams, not enterprise sales cycles.
Comparison based on publicly available information as of 2026-03. Features and pricing may change.