Cleo Pay vs Moonworkers
Cleo Pay
cleo-pay.comMoonworkers
moonworkers.co.ukSide by side
| Figure | Cleo Pay | Moonworkers |
|---|---|---|
| Price from | $79/mo | £6.49/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 8 | 4 |
| Spec score · Contractor Payment Software | 9.4 (#1) | 7.7 (#13) |
| Founded | 2025 | 2017 |
| Headquarters | New York, United States | London, England, UK |
| Product | Cleo Pay automates accounts payable for small and mid-sized businesses, including invoices, ACH payments, W-9 collection, 1099 compliance, and QuickBooks sync. | Moonworkers describes itself as a UK payroll platform with payroll software, an instant payslip generator, an accountant hub and a developer API. |
| Security | The company says Plaid bank connections use OAuth, credentials do not touch Cleo Pay servers, and sensitive data is encrypted at rest and in transit. | Moonworkers says production systems and databases are hosted in Amsterdam, data is encrypted in transit and at rest, and customer accounts support MFA. |
| Support | The contact page says customer support replies within one business day and provides [email protected]. | The company advertises UK-based support and invites users to contact it with questions or security concerns. |
Plans
Cleo Pay
- Get PaidFree
- Starter$79 a month
- Basic$99 a month
- Venues & Promoters Plus$199 a month
- Growth$239 a month
- Pro$299 a month
- Max$399 a month
- CustomPriced on request
Moonworkers
- Accountant Hub£1.69, paid once
- Payslip Generator£3.99, paid once
- Payroll Software£6.49 a month
- API & EnterprisePrice not published
In their own words
Cleo Pay
Cleo Pay automates accounts payable for small and mid-sized businesses, including invoice intake, approvals, vendor onboarding, ACH payments, W-9 collection, 1099 compliance, and QuickBooks Online sync. Users can forward invoices by email or upload a photo; AI extracts vendor, amount, and line-item details and maps expenses to QuickBooks accounts. Approval chains can be set by amount, GL code, or vendor, and approvers can act by email or mobile. Businesses can schedule ACH transfers and track their status. Vendors use a web link to submit W-9 information and connect a bank through Plaid, without downloading an app or paying account fees. The two-way QuickBooks Online connection syncs vendor records, invoices, bills, payments, and chart-of-accounts data. Cleo Pay says Plaid uses OAuth, sensitive data is encrypted in transit and at rest, and payment workflows include audit trails. Its free Get Paid plan is for vendors and contractors, with one user seat and incoming payments only. Paid plans begin at $99 a month and include monthly payment allowances, with extra-payment charges. The service also provides a REST API.
Moonworkers
Moonworkers is a paid UK payroll platform available on the web and through an API. It provides payroll software, an instant payslip generator, an Accountant Hub, and a REST API for ERP or HR integrations. Payroll supports fixed and variable pay, multiple pay frequencies, statutory payments, National Insurance, and pension auto-enrolment calculations. Pay runs submit required RTI information to HMRC, including Full Payment Submissions and Employer Payment Summaries. Holiday pay uses the 52-week average earnings method and covers casual and zero-hours workers. The service creates HMRC-compliant PDF payslips and can deliver them automatically. Connections include NEST, Smart Pension, The People’s Pension, and journal exports to Sage, Xero, QuickBooks, IRIS, and KashFlow. Plans include £1.69 for Accountant Hub, £3.99 for Payslip Generator, and £6.49 a month billed per payslip for Payroll Software. Prices exclude VAT and UK-only limits apply.