Developer documentationBuild your first
Build your first
payment flow,
anywhere.
Step-by-step guides, API references, and a full sandbox: plug into your store platform or build on the API, then go live in any market you serve.
Quickstart
From signup to your first payment
1. Create an account
Sign up and complete KYC to get access to the Merchant Portal.
2. Get your keys
Create a Payments Account, then copy your app ID and secret key.
3. Call the sandbox
Build against the sandbox base URLs, then switch to production.
4. Listen for webhooks
Verify signed events and reconcile them against your orders.
Every endpoint across all five APIs takes the same header pair — see Authentication.
Sandbox request
Prefer no code?
Install a plugin for Shopify, WooCommerce, Magento, OpenCart, Tyro, Shopline, or Xero.
New to these rails?
How PayID, PayTo, NPP, ACH, and card networks actually move money.
Products
Explore by what you’re building
Real-time PayIn
Collect account-to-account payments that clear in seconds — PayID in Australia, plus real-time rails in Japan, the US, and Asia.
Payouts
Disburse to bank accounts, virtual accounts, and mobile money wallets, single or in bulk.
Card payments
Accept cards through the JavaScript SDK or server-to-server, with tokenisation, 3DS, and refunds.
Instant Cashback
Fund and settle rewards the moment a payment clears, driving repeat purchases without a loyalty stack.
Multi-currency & FX
Hold balances, convert between currencies, and settle in the currency your customers actually pay in.
Clever AI
Actionable insights and cash-flow forecasting built on your store and payment data.
API reference
Five APIs, one header pair
Payment Gateway (AUD)
v1 — PayID, PayTo agreements, BSB and account number transfers, and AUD payouts.
Multi-currency Payments
v2 — Payins and payouts beyond AUD, including mobile money, virtual accounts, and bank lookup.
Multi-currency Gateway
v3 — A hosted checkout that handles every currency through one integration, no payment UI to build.
Card API
Client-side SDK or server-to-server card processing, with saved tokens for repeat payments.
Cashback API
Create and manage cashback campaigns, then pay rewards out against them.
Authentication & webhooks
The
app-id and secret-key headers, access tokens, signature verification, and retry behaviour.Guides
Build a complete flow
Accept instant payments with AUD PayID
Build recurring billing with PayTo agreements
Handle multi-currency payins and payouts
Drive loyalty with cashback campaigns
Issue and manage cards
Manage balances and move money
Keep going
Merchant Portal
Reconcile payins and payouts, check balances, and run cashback campaigns without writing code.
Security & compliance
API and card security, fraud monitoring, SOC 2, KYC, and how we handle your data.
Support
Search the merchant knowledge base or reach the team when you need a hand.
First time here? Start with the getting started guide,
or see how Hello Clever works for the platform in one page.
Acknowledgement
