Customer checkout flow
1
Select Hello Clever at checkout
At the checkout screen, the customer chooses Hello Clever as their payment method. Hello Clever is available across multiple platforms and integrates directly into your existing checkout flow.
2
Complete payment
The customer pays from their bank using a unique transaction identifier generated by Hello Clever. In Australia, this identifier is a PayID. Customers can also pay by card. Note that cashback for card payments is applied once the card transaction settles, rather than immediately.
3
Receive instant cashback
As soon as payment is confirmed and funds are received by Hello Clever, the cashback reward is deposited directly into the customer’s Hello Clever account. The customer can then withdraw the cashback to their bank account or apply it toward their next purchase.
Cashback for bank (PayID) payments is delivered instantly. Cashback for card payments is applied after the card transaction settles.
Real-time payment mechanism
Hello Clever’s payment system transfers funds from the customer to your merchant account the moment a transaction is confirmed. This applies to both bank transfers and card payments, with bank transfers completing instantly.1
Immediate payment processing
When the customer confirms their payment, Hello Clever processes the transaction in real time. Funds are transferred from the customer’s bank or card directly to your account, not held in a processing queue.
2
Real-time confirmation
Both you and the customer receive an instant notification confirming the payment was completed. This eliminates uncertainty around transaction status and reduces the likelihood of disputes or chargebacks.
3
Flexible payment methods
Hello Clever supports both bank account transfers and card payments, giving customers their preferred option at checkout. Offering both methods maximises checkout conversion by removing friction for customers who prefer one method over the other.
4
End-to-end security
Every transaction is protected with end-to-end encryption and multi-factor authentication. These security layers reduce fraud risk and ensure that sensitive customer data is handled securely throughout the payment flow.
Flexible cashback campaigns
As a merchant, you control how cashback campaigns are structured. Hello Clever gives you the tools to design campaigns that match your business objectives, from short-term promotions to ongoing loyalty incentives.1
Define cashback parameters
Choose between a percentage-based cashback (for example, 5% of the transaction total) or a fixed amount (for example, $10 cashback on orders above a set threshold). This lets you target specific purchasing behaviours or customer segments.
2
Set campaign duration and frequency
Specify how long the campaign runs and how often it applies. You can create seasonal promotions, daily offers, or single-day events. This flexibility lets you respond to seasonal trends, product launches, or changing customer demand.
3
Automated cashback distribution
When a customer completes a qualifying transaction, Hello Clever calculates and distributes the cashback automatically, with no manual processing required. For bank payments, this happens instantly. For card payments, cashback is applied once the payment settles.
4
Monitor and optimise in real time
Track campaign performance from the Merchant Portal as transactions occur. Review transaction volume, average cart value, and customer demographics to adjust cashback rates, refine targeting, and improve campaign results.