Every use case below uses the same setup options. Once your
app-id and secret-key are ready, you can combine PayIn, Payout, Cashback, and multi-currency features to fit your business. See choosing the right integration to get started.eCommerce
Online stores depend on two things: getting customers to finish the checkout, and getting them to buy again. Hello Clever helps with both. It makes paying quick and easy, and it gives customers a reason to come back.Real-time checkout
Take instant bank-to-bank payments through PayID, or card payments through a ready-made checkout page, with confirmation as soon as the money arrives.
Instant cashback at checkout
Reward customers as soon as their payment clears, turning a one-time buyer into a returning one and increasing the average order value.
Ready-made plugins
Get started quickly with ready-made connections for Shopify, WooCommerce, Magento, OpenCart, and Shopline, with no coding required.
Get seen in the app
List your cashback offers in the Hello Clever consumer app to reach people who are already looking for deals and rewards.
How it works for an online store
1
Connect your platform
Install the Hello Clever plugin for your online store, or use the Payment Gateway APIs to build your own checkout.
2
Launch a cashback campaign
Create a percentage-based or fixed-amount campaign from the Merchant Portal to encourage first purchases or reward loyal customers.
3
Reward and reconcile automatically
Customers receive cashback as soon as their bank payment clears, and every payment is matched up automatically, so you don’t need to track anything by hand.
Retail
Physical stores can offer the same instant rewards that online stores do. Through Hello Clever’s partnership with Tyro, customers earn cashback at the terminal simply by paying as they normally would.In-store instant cashback
Run the same real-time cashback campaigns in your physical store that you offer online, all managed from one Merchant Dashboard.
No change to the customer flow
Customers tap their linked card or Apple Pay at a Tyro terminal just like normal, and the cashback is checked and paid automatically.
All your reports in one place
Payment and cashback information is shared between Tyro and Hello Clever, so your in-store reports sit right next to your online activity.
Campaigns that update automatically
Set your campaign in the portal and Hello Clever sends it to your terminals in real time, so you don’t need to change anything at the till.
Platforms and marketplaces
Marketplaces and platforms have to take money from lots of buyers and send money to lots of sellers, often at the same time, and more and more often in different countries. Hello Clever’s PayIn, Payout, and multi-currency features are built for exactly this.Collect from buyers
Take real-time payments from buyers through PayID, BSB/Account, or card, with instant confirmation on every payment.
Pay out to sellers
Send money to your sellers one at a time, in groups, or on a set schedule using the Payout Service via PayID or BSB/Account.
Use your own branding
Add PayIn and Payout features to your platform under your own name and branding, so the payment experience looks like it belongs to you.
Recurring agreements
Use PayTo agreements for subscriptions and regular payments. Instead of the old direct debit method, the customer approves the payments ahead of time, and they happen in real time.
A typical marketplace flow
1
Buyer completes a purchase
The buyer pays through your platform using a real-time payment method, and both people get instant confirmation.
2
Money arrives in your account
Payments arrive in your Hello Clever account in real time, so you can see incoming money in each currency straight away.
3
Sellers are paid out
Send payments to your sellers one at a time, in groups, or on a set schedule, handling the whole network from one setup.
Travel
Travel businesses deal with customers from other countries, payments that move between countries, and many different currencies all the time. Hello Clever’s multi-currency services let you take and settle payments across the Asia-Pacific region and further afield from one setup.Accept payments in many currencies
Use the Multi-Currency PayIn API to take payments across the Asia-Pacific region by bank transfer, e-wallet, QR code, and mobile money.
Hosted checkout for any currency
Create a ready-made checkout page in any supported currency with a single API call using the Multi-Currency Gateway.
Real-time currency exchange
Hold money in different currencies in separate accounts and swap between them at real-time exchange rates through the Multi-Currency FX Service.
Payments between countries
Choose flexible ways to receive your money (instantly, at the end of the day, or whenever you request it) through the Settlement Service.
Multi-currency support covers AUD, SGD, and other currencies. Each currency goes into its own separate account, so you can clearly see and control the money you hold in every market you work in.
Creator economy
Creator platforms need to take payments from their audiences and pay many creators reliably and often. Hello Clever’s real-time PayIn and flexible Payout services make both fast and easy to predict.Collect from your audience
Take real-time payments and subscriptions from fans and supporters, with instant confirmation on every payment.
Pay creators on your schedule
Send payments to creators one at a time, in groups, or on a set schedule via PayID or BSB/Account, so you don’t have to pay each one by hand.
Recurring memberships
Use PayTo for memberships and subscription levels that the customer approves ahead of time and that happen in real time.
Reward taking part
Offer instant cashback to encourage sign-ups, renewals, and repeat support across your group of creators and fans.
Paying out your creator network
1
Collect membership and tip payments
Audiences pay through your platform in real time, and the money arrives in your Hello Clever account right away.
2
Group your creator payments together
Upload a file to pay many creators at once, or set up regular payments, so your whole group of creators is paid correctly and on time.
3
Track everything in the portal
Watch money coming in and going out from the Merchant Portal, with real-time status on every payment.