Clero vs Patterson Accounting

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

Run your whole business from your pocket. Patterson Accounting gives freelancers and small business owners effortless invoicing, one-tap receipt capture, live mileage tracking, and Pat — an AI accountant who actually knows your books. • Send invoices and get paid online with 0% platform fees • Snap a receipt — Pat reads the merchant, amount, and date for you • Track drives with live GPS mileage and automatic IRS-rate deductions • Log billable hours and pull unbilled time straight onto invoices • Ask Pat anything: cash flow, overdue invoices, what to set aside for taxes • Face ID lock, real-time payment notifications, and a weekly cash-flow digest INVOICING THAT GETS YOU PAID Create a professional invoice in under a minute, send it as a PDF or a payment link, and watch it move from Sent to Paid. Partial payments, overdue reminders, and recurring invoices are built in. EXPENSES WITHOUT THE SHOEBOX Photograph a receipt and it's categorized and filed. Month-by-month totals keep you audit-ready. MILEAGE ON AUTOPILOT Start a trip, drive, stop — the deduction is calculated at the current IRS rate. Every trip is logged with its purpose. PAT, YOUR AI ACCOUNTANT Pat answers questions about your own books in plain English: what came in this month, who still owes you, how much to set aside for quarterly taxes. Important numbers always carry a verify-before-filing note. Free to start. Patterson Pro unlocks unlimited Pat, unlimited clients and invoices, and 500 receipt scans a month — 7 days free, then $19.99/month or $191.99/year. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period; manage or cancel in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://pattersonaccounting.app/terms Privacy Policy: https://pattersonaccounting.app/privacy