Clever Connect gives merchants a more flexible way to manage the money flowing through their account. Instead of making every business track funds in exactly the same way, Clever Connect lets each merchant choose the structure that fits how their business is organised. In practice, that means you can keep one shared pot of money for your whole business, or separate pots for each part of it, whichever suits how you prefer to see, reconcile, and move your funds. This section explains the concepts behind Clever Connect: the two balance models, the two account types, how to view your balances, and how money moves in and out.
Your balance model is chosen once, during onboarding, and cannot be changed after your account is activated. Because of that, it is worth understanding both options before you decide. See balance models.

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Start here

Balance management guide

An introduction to Clever Connect, the key terms, and how onboarding sets your balance model.

Balance models

The two ways funds can be tracked: Aggregated Balance and Dedicated Balance.

Payments Accounts

Sub-accounts inside your merchant account, used to accept and manage payments.

Treasury Accounts

Currency-specific accounts used to hold, receive, and move funds.

Viewing your balances

How your balances appear on the dashboard under each model.

Moving money

How Settlements, Withdrawals, and Account Transfers work.

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The two key ideas

Account types

Payments Accounts receive and hold balances from payment activity. Treasury Accounts are a newer, currency-specific account for holding, receiving, and moving funds.

Balance models

Aggregated Balance keeps one shared balance across your Payments Accounts. Dedicated Balance keeps a separate balance for each account.
New to Clever Connect? Read the balance management guide first, then the balance models page; the model you choose shapes almost everything else.