---
title: "Is Cleo Pay the same as the Cleo AI app?"
description: "No. Cleo Pay is a payments platform for businesses, made by Cleo Financial Inc. It is not the Cleo AI personal budgeting and cash advance app, and we cannot see or change Cleo AI accounts."
url: https://cleo-pay.com/help/is-cleo-pay-the-same-as-cleo-ai
category: "Account, plan and support"
audience: [business, vendor]
updated: 2026-10-22
support: support@cleo-pay.com
---

# Is Cleo Pay the same as the Cleo AI app?

> No. Cleo Pay is a payments platform for businesses, made by Cleo Financial Inc. It is not the Cleo AI personal budgeting and cash advance app, and we cannot see or change Cleo AI accounts.

No. Cleo Pay is a payments platform that businesses use to pay their vendors and contractors and to send invoices. It's made by Cleo Financial Inc. Cleo AI, the personal budgeting app that offers cash advances, is a different company, and the two aren't connected.

## How to tell which one you use

| | Cleo Pay | Cleo AI app |
|---|---|---|
| Who it's for | Businesses, and the vendors and contractors they pay | Individuals managing personal money |
| What it does | Pays bills by bank transfer, collects W-9s, sends invoices, syncs with QuickBooks | Personal budgeting and cash advances |
| Where you sign in | app.cleo-pay.com | The Cleo AI app |
| Company | Cleo Financial Inc. | Cleo AI |

If you're asking about a cash advance, a repayment, a subscription charge from the Cleo app, or a settlement payment connected to the Cleo AI app, that's Cleo AI, not Cleo Pay. We can't see those accounts or change them. Contact Cleo AI through their app or their website.

## When to contact Cleo Pay

Contact us if a business paid you through Cleo Pay, if your business uses Cleo Pay to pay bills, or if you received an email from Cleo Pay about a payment, a W-9 or a bank account. Email support@cleo-pay.com with the business name and the payment you're asking about.