> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cloudcapital.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Compliance Onboarding

## Quick summary

If you’re on our **Consolidated billing** model, there are two quick setup steps:

1. **Connect your financial data**\
   Go to Organization Settings → [**Financial Data**](https://app.cloudcapital.co/account/financials) and connect your main business bank account(s) securely via Plaid. This allows us to do a light touch credit check.\
   *Takes \~5–10 minutes.*

2. **Add a payment method**\
   Go to Organization Settings → [**Payment Method**](https://app.cloudcapital.co/account/payment) and add the bank account for automated monthly payments (Direct Debit or ACH).\
   *Takes \~5 minutes.*

Once both steps are complete, compliance onboarding is finished and legal documents will be sent for your signature.

***

## Overview

For customers on our Consolidated billing model, where Cloud Capital manages your AWS billing, we ask you to complete a small number of compliance onboarding checks.

***

### Step 1: Connect your Financial Data

**Who:** Finance\
**Time to complete:** 5–10 minutes

### What's required

Connect your financial data to Cloud Capital so we can perform a credit review.

### Why this is needed

Cloud Capital pays your cloud provider on your behalf. To support this, we verify your company’s financial health and carry out light-touch, ongoing credit monitoring. This helps us manage risk and keep billing running smoothly.

We use Plaid to securely connect to your bank account(s). Cloud Capital does not see individual transactions — we only review overall balances for credit assessment purposes.

### How to connect your financials

* Navigate to [**Organization Settings**](https://app.cloudcapital.co/account/general) and select [**Financial Data**](https://app.cloudcapital.co/account/financials)
* Click **Connect Financials with Plaid**
* Click **Continue** to open the Plaid connection
* Select your primary banking institution
* Click **Continue to Login** and sign in to your bank
* Select your core business account(s)
* Confirm by clicking **Connect account information**

Plaid supports multiple connections. Please connect your main business account(s).

***

### Step 2: Add a Payment Method

**Who:** Finance\
**Time to complete:** \~5 minutes

### **What’s required**

Add a bank account for automated monthly payments.

Cloud Capital collects payment via:

* **Direct Debit (GBP)** for UK-based customers
* **ACH (USD)** for US-based customers

Payments are securely authorised via **Stripe**.

### How to connect your payment method

1. Navigate to [**Organization Settings**](https://app.cloudcapital.co/account/general) and select [**Payment Method**](https://app.cloudcapital.co/account/payment).
2. Choose your **Region** based on your company’s location.
3. Add your **Billing Information** — this is the email address that will receive payment notifications and invoices.
4. Add your **Payment Method** — this is the bank account from which automated payments will be collected.

### What to expect from Cloud Capital billing

**Monthly invoices**\
Invoices are available in the platform at the start of each month for the prior month’s usage. Charges may include fixed, usage-based, or one-time fees.

**Automated payments**\
Once invoiced, your pre-authorised payment method will be charged automatically unless otherwise agreed.

**Late payments**\
Late invoices may incur a 1.5% monthly interest charge. After 15 days of non-payment, services may be suspended and accounts may be escalated in line with our terms.

***

Your **Account Manager** will guide you through both steps and is always happy to help if you have questions along the way.