Real-time payments
Hello Clever processes payments the moment a customer confirms a transaction. Funds transfer from the customer’s bank or card directly to your merchant account in real time, with no waiting days for settlement. You gain immediate access to revenue, which improves cash flow, reduces reconciliation overhead, and eliminates the ambiguity of pending transactions. Both you and your customer receive instant confirmation, creating a transparent and trustworthy checkout experience.Instant cashback rewards
Hello Clever is the first real-time payment processor to offer instant cashback embedded directly into the payment flow. When a customer pays with Hello Clever, their cashback reward is delivered to their Hello Clever account the moment funds are received, with no points accumulation, no delays, and no extra steps. Customers can withdraw cashback to their bank account or apply it to a future purchase. For you as a merchant, cashback campaigns are built into the platform. You define the cashback percentage or fixed amount, set campaign duration, and Hello Clever handles distribution automatically. There is no separate loyalty infrastructure to operate.Clever AI
Clever AI is Hello Clever’s built-in intelligence layer. It provides two capabilities designed to help you make better decisions without needing a dedicated data team. Forecaster lets you simulate campaign outcomes before you commit budget. Input variables like cashback percentage, campaign duration, or product mix, and Clever AI projects expected customer engagement, redemption rates, and revenue uplift based on your historical data. Actionable Insights analyses your transactional and behavioural data continuously and surfaces specific recommendations. For example, identifying your highest-value customer segment, flagging a drop in redemption rates, or suggesting the right time to launch a targeted offer. Each insight includes suggested next steps so you can act immediately.Key features
Real-time payments
Funds settle instantly from customer to merchant, with both parties notified the moment a transaction completes.
Instant cashback
Cashback is delivered to customers immediately after payment is confirmed, with no points and no waiting period.
Flexible campaigns
Set percentage-based or fixed cashback, define campaign durations, and monitor results in real time from the Merchant Portal.
Clever AI forecaster
Simulate campaign outcomes with your historical data before you launch to maximise return on investment.
Actionable insights
AI-generated recommendations with suggested next steps, updated continuously from your transaction and behavioural data.
Secure and transparent
End-to-end encryption, multi-factor authentication, and instant transaction confirmations on every payment.
Why choose Hello Clever
- First-to-market instant cashback: Hello Clever is the only real-time payment processor that delivers cashback at the moment of transaction, not days later.
- No separate loyalty infrastructure: Rewards are embedded in the payment itself, so you get customer retention without managing a separate points programme.
- Improved cash flow: Instant settlement means funds are available to reinvest immediately, not tied up in payment processing queues.
- AI-powered growth: Clever AI turns your payment data into actionable strategy without requiring a data analyst or business intelligence team.
- Flexible integration: Connect via Shopify, WooCommerce, Magento, Tyro POS, Xero, or directly through the Hello Clever API.