Surprisingly, I have never encountered a Bayo since she was released, and that's really odd. I have absolutely no idea how she plays
Cloud, however, can be easily destroyed with the phantom. When cloud uses his recovery, if you space yourself right, the windbox of the phantom slash will push cloud back slightly. And since Cloud's recovery Is really stupid for some reason and won't let him grab the ledge that quick, he loses a stock if you manage to push him off with wind hitbox because he's too far to grab the ledge.
I don't know how to explain this properly, but you can see Acestar's latest video with Zelda on undefeatables when he was fighting a Cloud an he explains the process a bit better. If I find a link I'll post it.
Alright I got it. It begins at 15:32