Cleo Pay vs Papaya Global
Cleo Pay
cleo-pay.com
Papaya Global
papayaglobal.comSide by side
| Figure | Cleo Pay | Papaya Global |
|---|---|---|
| Price from | $79/mo | $5/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 10 |
| Spec score · Contractor Payment Software | 9.4 (#1) | 9.0 (#2) |
| Headquarters | New York, United States | LinkedIn lists New York, New York as headquarters, while the World Economic Forum profile lists Israel as headquarters. |
| Payments | Businesses can pay vendors by ACH, schedule future payments, and track transfers through scheduled, processing, paid, or error status. | Payments OS supports global worker and statutory payments, funding in 15 or more currencies, payment tracking and automated reconciliation. |
| Rating on G2 | 0 out of 5 from 0 reviews | 4.5 out of 5 from 55 reviews |
| Support | The contact page says customer support replies within one business day and provides [email protected]. | Customers can use the in-platform help center, email, WhatsApp, account managers, knowledge-base articles and FAQs. |
| What it does | Cleo Pay is a financial operations platform for hospitality and service businesses that manages invoices, vendor onboarding, approvals, ACH payouts, receivables, cards and budgets. | Papaya Global is a cloud SaaS platform for global payroll, workforce management, employer-of-record services, contractor administration and cross-border payments. |
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
Papaya Global
- Payroll Plus$29 a month
- Contractor solution$5 a month
- Contractor of Record$199 a month
- Employer of Record$499 a month
- Payments OS (OnePay)Free
- Papaya Time Compliance$6 a month
- Papaya Time Enterprise$8 a month
- Contractor of Record (COR)$199 a month
- Employer of Record (EOR)$499 a month
- Workforce OSPriced on request
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.
Papaya Global
Papaya Global has no write-up on Specifiction yet; its figures are above.