Cleo Pay

Introducing the all-new Cleo Pay virtual cards.

Easily add, pause, or remove employee and manager cards. Track all your spend across marketing, distributors, purchases on the go, and online ordering.

Schedule a demo →
A hand holding a Cleo Pay virtual Visa card
Virtual Visa Commercial cardA daily limit on every cardPause or cancel any card, any timeEvery charge in Cleo Pay as it happens

Add, pause, or remove a card.

One card per person, or one card per purpose. You decide, and you can change it later.

Pause a card whenever you need to. Any charge on a paused card is declined, and the decline shows in your activity feed.

CardCardholderSpent this month
MarketingVisa ···· 0005
Arthur Taylor$1,263.94
DistributorsVisa ···· 0112
Dana Lee$3,881.92
Online orderingVisa ···· 0781
Mia Chen$653.86
GM on the goVisa ···· 0340
Sam Rivera$212.75
Events & cateringVisa ···· 0926
Leo Martins$1,905.20

CONTROLS

Set a limit on every card.

Give each card a daily limit and choose which merchant categories it works at. A charge outside those rules is declined, and the decline shows in the feed so you know it happened.

Category controls

Pick which merchant categories each card works at. Everything else is declined at the terminal.

40%35%26%

Spent · last 30 days

$4,983
$0$3K$6K$9K$12K
Arthur TaylorVisa ···· 0005
Dana LeeVisa ···· 0112
Sam RiveraVisa ···· 0340

Your limit is $250.00 per week

78% used this week

Restaurants

Most used category

ChipotleToday, 12:40 PM
$14.35
SweetgreenYesterday, 1:05 PM
$16.20
Blue BottleYesterday, 9:15 AM
$6.75
CavaAug 22, 7:20 PM
$18.75
Shake ShackAug 21, 8:10 PM
$23.40
DigAug 20, 12:05 PM
$15.90
ChipotleToday, 12:40 PM
$14.35
SweetgreenYesterday, 1:05 PM
$16.20
Blue BottleYesterday, 9:15 AM
$6.75
CavaAug 22, 7:20 PM
$18.75
Shake ShackAug 21, 8:10 PM
$23.40
DigAug 20, 12:05 PM
$15.90

Spend over time

Last 30 days
$3,240

SPEND

Give every kind of spend its own card.

Name one for a team, a vendor, or a project, and every purchase sorts itself under the right card.

Cleo Pay Distributors card activity on a phone

Distributors

Recent activity

U
Uline
$320.50
F
FedEx
$58.20
G
Grainger
$145.00
S
Staples
$42.10
Declined · Over daily limit
$900.00

EXPENSES

Every charge becomes an expense,
receipt and all.

Cleo Pay turns each authorization into a tidy expense with its category, memo, and receipt, reconciled and ready to export to your books.

Expenses

August 2026
∞

Meta Ads

Aug 24, 2026

Campaign spend$220.00
Platform fee$20.00
Total$240.00
Receipt attached
CATEGORY
Advertising
CARD
Marketing ·· 0005
CARDHOLDER
Arthur Taylor
MEMO
Q3 retargeting campaign
STATUS
Reconciled

Spend by category

Software$805
Travel$726
Restaurants$274
Advertising$400

QUESTIONS

Common questions.

Any employee or manager on your team. Create a card for a person or for a purpose, give it a nickname, and set its limit. You can add or remove cards at any time.

Any charge on a paused card is declined right away, and the decline shows in your activity feed. Unpause it whenever you want and the card works again, with the same limit and rules.

Yes. Each card has a daily limit and a set of allowed merchant categories. A charge outside those rules is declined, and the decline is recorded in the feed so you know it happened.

Cards spend from your Cleo Pay balance.

Yes. Every card is a virtual Visa Commercial card, issued by Celtic Bank, and accepted anywhere Visa is.