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ChloePay

by Chloe Pay, Inc.
No reviews yet
ActiveAvailable globallyCloudFree tier
Quick facts
VendorChloe Pay, Inc.
Year launched
StatusActive
LocationFranklin, TN, USA
Countries servedGlobal
Languages11
Integrations11+
Free tierYES
Free trialYES
Contact salesNO
Last reviewed: Jun 2026

About ChloePay

A payment platform for small to mid-market businesses that enables invoicing, expense management, and multi-channel payment collection via SMS, email, WhatsApp, and phone. It includes automated accounting sync and virtual card issuance.

Chloe.ai by PointClear Solutions is a cutting-edge payment processing software designed to streamline and simplify financial transactions. Its standout features include advanced AI capabilities that automate payment processing tasks, saving time and reducing errors. The software's primary purpose is to make payment processing more efficient, accurate, and secure for businesses of all sizes. The user interface of Chloe.ai is intuitive and user-friendly, with a sleek design that enhances the overall user experience. Navigation is smooth, and users can easily access key features and functions. The unique design elements such as customizable dashboards and real-time analytics make it easy for users to monitor and manage their payment processing operations effectively. One core functionality that distinguishes Chloe.ai from its competitors is its AI-powered fraud detection system. This system utilizes machine learning algorithms to identify and prevent fraudulent transactions in real time, providing added security for businesses. Additionally, Chloe.ai offers advanced reporting and analytics tools that help businesses track their payment processing performance and make data-driven decisions. In terms of performance, Chloe.ai excels in speed, efficiency, and reliability.

Pros & Cons

What users like
  • +Supports multiple payment channels including SMS and WhatsApp to increase conversion rates.
  • +Offers automated accounting integration with major platforms like QuickBooks and Xero.
  • +Provides a free starter tier with no monthly subscription fees for accounts payable.
  • +Includes cashback rewards on bill payments made through US bank accounts.
What users flag
  • Advanced features and higher cashback rewards are locked behind paid annual or monthly tiers.
  • ACH payments require customer pre-registration and involve a 5-7 day processing delay.
  • Custom development work for specific payment processors may incur additional implementation costs.

Features

Key features

Multi-Channel Payments
Enables customers to pay invoices via WhatsApp, SMS, email, or phone calls.
Automated Accounting
Syncs bills and invoices automatically with QuickBooks and Xero.
Expense Management
Provides tools for tracking business expenses and managing virtual cards.
Payment Reporting
Offers real-time visibility into transaction data and financial analytics.
Recurring Payments
Allows businesses to set up and automate recurring billing cycles.

Additional features

Virtual Card Issuance
Provides unlimited virtual cards for business spending.
ACH Transfers
Supports free ACH transfers for payment processing.
Customer Portal
Includes a dedicated portal for customers to manage their payments.
Invoice Automation
Accelerates business growth with simplified, automated invoicing.
PCI-Compliant Infrastructure
Leverages Stripe-powered infrastructure for secure transaction processing.
Customizable Payment Channels
Allows businesses to choose which channels customers use to pay.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Monthly plans

Starter

flat

USD 0

  • Free ACH transfers
  • Full Expense Management
  • Automated Accounting
  • Unlimited Virtual Cards
Source: vendor pricing page

Business Pro

per user

USD 19

  • Advanced Insights & Analytics
  • Salesforce Integration
  • Marketplace Integrations
  • 1% Cashback Rewards
Source: vendor pricing page

Annual plans

Enterprise

flat

USD 49

≈ USD 4.08/mo when billed annually

  • Advanced Insights & Analytics
  • 3% Cashback Rewards
  • Instant Payouts
  • DocuSign Integration
Source: vendor pricing page

Countries & Languages

Global
Countries served
11
Interface languages
9
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseDutchRussianChineseJapaneseKorean

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇨🇦CAD🇦🇺AUD🇯🇵JPY🇨🇳CNY🇮🇳INR🇸🇬SGD

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