Clero vs PayRewards

Send and receive money from friends straight from your bank account within the same day without wallets or transfer fees. Clero combines bank-to-bank payments, card transaction splitting, receipt scanning, and group expense tracking into one app. DIRECT TO BANK PAYMENTS WITH ZERO FEES • Same-day direct settlement: Money moves straight between bank accounts on the same day. No digital wallet balance to cash out. • Zero transfer fees: Send and receive money without paying 1.75% instant transfer fees. • Phone number claim links: Send money to anyone with a phone number. Recipients without Clero claim funds straight to their bank account through a web link. Expired claims return to your account. RECURRING REQUESTS AND BILLS • Flexible schedules: Create recurring payment requests for rent, utilities, subscriptions, or shared expenses. • Custom intervals: Set schedules by week, month, or year with specific billing days or end dates. • Scheduled tracking: Clero creates new requests on your schedule and notifies participants when bills come due. CARD AND SUBSCRIPTION SPLITTING • Card sync: Link your credit cards and bank accounts through Plaid. Tap any posted charge to split it with friends. • Subscription detection: Clero identifies recurring charges like streaming services, gym memberships, and utility bills for one-tap splitting. RECEIPT SCANNING AND RICH RIDE BREAKDOWNS • Camera and Gmail sync: Snap a photo of a restaurant receipt or link Gmail to pull receipts from DoorDash, Airbnb, and dining spots. • Uber and Lyft ride details: Pull ride breakdowns including pickup and drop-off points, duration, driver details, and table tip adjustments. • Itemized claiming: Tap items to claim dishes or divide shared plates. • Proportional tax and tip: Taxes and tips split based on each person's spend. • Locked shares: When someone pays, their share locks so subsequent edits do not alter settled amounts. BATCH PAY, AND PARTIAL PAYMENTS • Batch pay: Select multiple open requests from the same friend and pay them all at once. • Partial payments: Pay open requests in increments while keeping track of how much you still owe. GROUP TYPES AND DEBT REDUCTION • Monthly groups: Built for roommates. Set a settlement date like the 1st of the month. When the cycle ends, Clero smartly tallies balances, generates payment requests for that month and starts the next month without manual setup. • Trip groups: Pool vacation expenses and generate payment requests automatically when your trip ends. • On-demand groups: Split expenses for social events and settle whenever you choose. • Simplify debts: Clero calculates the shortest route across group members to eliminate redundant back-and-forth transfers. • Splitwise import: Upload a Splitwise CSV file. Clero matches names to your contacts and imports your balances. SECURITY • Face ID and Touch ID confirmation required before money moves. • Bank-grade encryption across all financial rails. --- Support: https://clero.money Privacy Policy: https://clero.money/privacy Terms of Service: https://clero.money/terms

Business payments with extra benefits With PayRewards, you can earn more points on business expenses you were paying anyway. Pay vendors and contractors by credit card, ACH, wire transfer, or check, and earn every time you pay, even with vendors who don't take cards. Pay anyone, anytime, anywhere Settle business bills by credit card, check, ACH, or wire on the go in as little as 5 minutes. Review and approve payments in seconds. Keep your cash working longer Pay vendors by card and free up cash flow. Use your card's billing cycle to get up to 55 days interest-free. Redeem your points for anything Business-class flights, gift cards from 100+ brands, tickets, experiences, and luxuries, or put points straight back toward your next bill or invoice. Double-dip rewards Add PayRewards Points on top of your regular card rewards to double dip. Keep earning your card's rewards exactly as you do now, then add PayRewards Points on top at 1 or 2 Points per dollar. Works with your existing tools Connect QuickBooks Online, sync your unpaid bills into PayRewards, and pay them straight from there to start earning. Built for your industry From construction and trades to retail, medical, professional services, and accountants managing multiple clients, PayRewards fits the way your business already pays, and gets rewarded for it. How it works Get started. Set up in as little as five minutes and start earning on every dollar you send out. Register your business, add payment methods and payees on the go. Pay with your existing cards: all major cards accepted. We securely deliver the funds to your payees on time, via their preferred payment method. No hidden fees, no lock-in. Your business payments, extra secure Bank-grade verification, tokenized card data and fraud monitoring on every payment. Payment verification: We use advanced technology for bank account and card verification. Tokenized data: No card numbers stored, only secure tokens for every payment. Settlement accounts: Authorized payments are held in dedicated settlement accounts. Fraud detection: Suspicious activity is flagged instantly to help stop fraud early. Secure access. Log in securely using your PIN or biometric authentication. Same bills you're already paying. Now they pay you back. Start earning today. *Terms apply.