--- title: "How do I set up my Cleo Pay account?" description: "Sign up at app.cleo-pay.com, create a full business account, pick a plan, then follow the setup steps: business name, business details, beneficial owners, email, bank account and team. You can skip most steps and finish them later." url: https://cleo-pay.com/help/set-up-your-cleo-pay-account category: "Getting started" audience: [business] updated: 2026-10-22 support: support@cleo-pay.com --- # How do I set up my Cleo Pay account? > Sign up at app.cleo-pay.com, create a full business account, pick a plan, then follow the setup steps: business name, business details, beneficial owners, email, bank account and team. You can skip most steps and finish them later. Sign up at app.cleo-pay.com, create a full business account and pick a plan. Then a short setup walks you through your business name, your business details, your owners, your email, your bank and your team. Only the business name is required to get in. You can skip the rest and finish it later from the dashboard. ## Before setup starts 1. Create your login at app.cleo-pay.com. 2. When we ask "What brings you to Cleo?", choose **Pay my vendors**. 3. In "Create a business", choose **Full business account**. 4. On "Choose your plan", pick Starter, Growth or Max and finish checkout. See [Plans, seats and included payments](https://cleo-pay.com/help/plans-seats-and-included-payments). After checkout you land in the setup steps. ## The setup steps The steps are listed down the side of the page, so you can see where you are. | Step | What it asks for | Can you skip it? | |---|---|---| | Business name | The name you want to use in Cleo Pay, and agreement to the terms | No | | Business details | Your business type, tax ID, address and a few facts about the business | Yes | | Beneficial owners | Anyone who owns 25% or more of the business | Yes | | Email | A business email for notices | Yes | | Bank account | The bank you'll pay from | Yes | | Team | Invites for the people you work with | Yes | Beneficial owners and Team don't appear if you chose Individual or Sole Proprietorship as your business type. Beneficial owners only appears after you've sent your business details. ### Business name Type the name under **Business name**, tick the box to agree to the terms and click **Continue**. This creates your business. You can add the rest later, before you send or receive payments. ### Business details First you'll see "Set up your business details now or later?". Click **Set up now** to fill them in, or **Later, take me to the dashboard** to look around first. The form asks for your federal tax classification, legal name, tax ID, address, annual revenue, number of workers and when your fiscal year ends. Companies and partnerships also add details about the Account Representative, the person who controls the business. The full list is in [What you need to verify your business](https://cleo-pay.com/help/what-you-need-to-verify-your-business). When you click **Continue**, a review screen opens. Check everything, because a mistake here can slow down verification. Click **Confirm & Submit** to send it, or **Go Back & Edit** to fix something. If you click **Skip for now** on this step, setup ends and you go to the dashboard. The later steps wait until you come back. ### Beneficial owners Answer "Are there any beneficial owners with 25% or more ownership?". If yes, click **Add Beneficial Owner** for each one. Tick the box to confirm the information is complete and correct, then click **Submit and Continue**. ### Email Enter your business email and click **Continue**. If it's the same address you sign in with, it's confirmed right away. If not, we email you a 6-digit code to type in. ### Bank account Click **Add Bank Account**, agree to the ACH debit authorization and sign in to your bank in the window that opens. Your bank login goes to the bank, not to Cleo Pay. Bank linking opens up once your business is verified. If you see "Bank connections open up once you're verified", click **Skip for now** and connect your bank later from **Settings**, then **Bank Accounts**. ### Team Enter a teammate's email, pick a role and click **Send Invite**. Do this for each person, then click **Continue**. See [Invite your team and choose roles](https://cleo-pay.com/help/invite-your-team-and-choose-roles). ## When setup is done Cleo Pay takes you to your dashboard. Every new account starts with payments turned off. You'll see a banner at the top that tells you what's left: finishing setup, waiting while we verify your business, or booking a quick call with our team to turn payments on. See [Why are payments turned off?](https://cleo-pay.com/help/why-are-payments-turned-off) If you see a "Congratulations!" screen with "One last step: turn on payments", click **Book a call** to pick a time. ## Finishing steps you skipped You'll see "Finish your setup to start sending and receiving payments." on the dashboard. Click **Finish setup** to go back to the first step that still needs something. Only admins can do this. Everyone else sees "Ask an admin to finish setup". If you get stuck, email support@cleo-pay.com with your business name and the step you're on.