01
Capture Agent
Monitors inboxes, downloads PDF, image, and Excel attachments. Classifies each document as invoice, payment follow-up, dispute, or supplier statement.
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AP 2.0 · Agentic Accounts Payable
Agentic AP that works with your accounting, not around it.
AI agents that reason through invoices, route approvals, execute payments, and learn from every transaction. Plugged directly into your existing systems and rules.
6Specialized agents
API + MCPConnect your own tools
QuickBooks OnlineAccounting sync
The shift
The last generation digitalized AP. The next one runs it.
For years, AP software promised automation. Workflows were digitalized. OCR scanned invoices. Rules routed approvals. But the work never truly left. Your team still keys in data, chases context, and resolves exceptions one by one.
Agentic AP is different. Instead of following rules, AI agents gather context, make decisions, and take action. They code line items from historical patterns, flag fraud before payment, summarize approval context, and complete payments autonomously.
You stay in control. The clicks go away.
AP 1.0Automation
AP 2.0Autonomy
OCR scans invoices
Agents understand them
Rules route approvals
Agents reason through context
Humans resolve every exception
Agents resolve most, escalate the rest
Workflows are digitalized
Work is actually done
Your team keys in data
Your team reviews decisions
The problem
Your AP team is buried in emails, not exceptions.
Hundreds of invoices arriving as PDFs, images, and Excel files across multiple inboxes. Your team spends hours opening attachments, keying in header data, matching line items to POs, and chasing approvals.
The real work, resolving exceptions, managing vendor relationships, optimizing cash flow, gets pushed to the back of the queue.
Six agents · One workflow
Specialized AI agents that handle the full AP lifecycle.
Cleo is not one model doing everything. It is a coordinated set of specialized agents, each trained for a specific job in your AP workflow. They pass context between each other, learn from your corrections, and escalate to humans only when judgment is required.
02
Extraction Agent
Pulls header and line-item data from any format. Handles multi-page invoices, complex line items, and unstructured fields.
03
Matching Agent
Cross-references every line item against POs, contracts, and receiving records. Resolves routine discrepancies autonomously.
04
Fraud Agent
Scans every invoice against fraud signals. Flags duplicate invoices, altered bank details, spoofed vendors, and unusual patterns.
05
Approval Agent
Routes invoices based on your rules. Summarizes vendor history, contract terms, and coding context so approvers decide in seconds.
06
Payment Agent
Executes payments by standard ACH, or same-day on Growth and higher plans. Schedules based on payment terms and cash flow.
Custom integration
Built around your rules, your structure, your systems.
Cleo does not impose a new workflow. It maps to your existing approval chains, GL codes, vendor hierarchies, and payment terms.
Your accounting system stays the system of record. Cleo sits alongside it as the intelligence layer, enforcing the logic your team already has in place.
- No migration, no rip-and-replace. The AI adapts to how your team already operates.
- Syncs bills, vendors, payments and categories with QuickBooks Online, with custom integrations on the Custom plan.
- Custom approval chains, GL mappings, and vendor rules carry over.
- Multi-entity, multi-currency, and multi-GAAP support for global operations.
Fraud prevention
Stop fraud before payment, not after.
Invoice fraud is accelerating. AI-generated spoofed invoices, altered bank details, and fake vendors are harder to catch with traditional controls. The Fraud Agent reviews every invoice against dozens of signals before it enters your approval flow. It catches what rule-based systems miss.
$280K
Average mid-market loss per fraud incident
Suspicious invoices are automatically held and escalated for human review. Verified vendors in your network bypass unnecessary checks so legitimate payments move fast.
What the Fraud Agent watches for
- Duplicate invoices, even with slight format variations
- Unverified or recently changed vendor bank details
- Mismatched vendor domains and spoofed email signatures
- Unusual amount patterns or off-cycle billing
- Edited or altered invoice copies
- Bank detail changes near payment dates
Built for enterprise scale
Infrastructure that matches your volume.
Role-based approval chains
Configurable thresholds and escalation paths for every department and dollar amount.
Multi-entity support
Built for organizations with complex legal structures, subsidiaries, and shared services.
Full audit trail
Every document, every decision, every agent action logged and exportable.
ACH payments
Standard ACH, or same-day on Growth and higher plans, plus virtual cards for your team.
Duplicate bill check
Cleo warns when a bill looks like one already entered and asks for a confirmation before it is paid.
Production-grade uptime
An uptime SLA backed by enterprise infrastructure and 24/7 monitoring.
Implementation
Go live in three steps.
No year-long rollouts. No rip-and-replace. Cleo’s implementation team maps your existing workflow, connects your accounting system, and trains the agents on your rules and historical data.
1
Step 1
Discovery and mapping
We map your current AP workflow, approval chains, GL structure, and vendor hierarchies. No changes to your accounting system.
2
Step 2
Integration and training
Accounting connection established. Agents trained on your historical data, coding patterns, and rules. Parallel run with your current process.
3
Step 3
Go live
Full production cutover with dedicated customer success support. Continuous tuning during the first 30 days.
FAQ
Common questions from enterprise buyers
We map your workflow, connect QuickBooks Online or scope a custom integration on the Custom plan, and train the agents on your historical data and rules. No year-long rollouts.
Ready when you are
See how Cleo fits your AP workflow.
A 30-minute consultation with our enterprise team. We’ll walk through your current process, your accounting system, and how the agents would map to your environment.
Dedicated enterprise team·Custom approval rules·Keep your accounting system