Security

Secure by default.
At every layer.

Your financial data is protected at every layer. Bank credentials stay with your bank via Plaid. Sessions are secured by Clerk. Sensitive records like SSNs and EINs are encrypted at rest.

Encryption at rest

All sensitive data including SSNs, EINs, and bank details are encrypted before storage.

Plaid OAuth

Bank credentials never touch Cleo Pay's servers. Plaid authenticates directly with the institution.

Clerk authentication

Session-based auth with automatic token refresh, OAuth sign-in, and email verification.

Connected
Security
OverviewActive
Coastal Resort Group$4,280.00Paid
Summit Hotels LLC$1,950.00Pending
Bay Hospitality Co$3,120.00Paid
3 itemsProcess
Payment initiatedJust now
256-bitEncryption standard
3Independent security providers
0Bank credentials stored

How it works

Security at every step

01

Sign up with Clerk's secure authentication. Verify your email and set credentials.

02

Connect your bank through Plaid's OAuth flow. Credentials stay with your bank.

03

Every payment and sensitive record is encrypted and transmitted over HTTPS.

Infrastructure

Built on trusted, audited providers.

Cleo Pay does not build custom authentication or payment rails. Instead, it relies on industry-leading providers that are independently audited and trusted by thousands of financial applications.

See how we protect your data
  • Clerk for authentication, session management, and OAuth
  • Plaid for bank account linking with OAuth security
  • Dwolla for ACH payment processing over the US banking network
  • Automatic token refresh and request retry on 401 responses

Why it matters

No stored credentials

Bank login credentials are handled entirely by Plaid and never pass through Cleo Pay.

Auto token refresh

Auth tokens refresh transparently before every API call. Sessions never expire unexpectedly.

Verified TIN storage

Tax identification numbers are validated, masked in the UI, and encrypted at rest.

Your data is protected at every layer.

Encryption, OAuth, and session security built into every interaction.

Get started free