With Clever Connect, your money is organised into Payments Accounts and Treasury Accounts, and tracked using one of two balance models — Aggregated or Dedicated. Your balance model shapes how balances appear and whether you choose an account when moving money. It is set once during onboarding and cannot be changed afterwards.
Accessing your balances
Select All Balances under Payments Accounts in the left sidebar to open the balances screen for the current currency — for example, AUD Payments Account Balances. The screen notes the display time zone (for example, Sydney GMT+10:00).Balance summary
The top of the screen shows three headline figures for the selected currency:A rolling reserve may be withheld from your available funds to cover potential refunds and chargebacks. The amount you can actually withdraw excludes this reserve, and the maximum withdrawable figure is shown on the Withdraw screen.
Use the Currency: AUD switcher above the summary to view balances in another currency, or See All Currencies to see everything you hold. The portal remembers the account you last viewed for each currency and reselects it automatically when you switch back. Contact Hello Clever Support to enable additional currencies.
Your balance model
How your balances appear depends on your account’s balance model, which is set during onboarding and is permanent once your account is activated.Aggregated Balance
One shared balance per currency at the merchant level. All Payments Accounts contribute to the same pool, and you do not pick an account when settling or withdrawing. This is the model existing merchants already use.
Dedicated Balance
A separate balance for each account, with its own transaction history. You choose which account to settle or withdraw from each time. Treasury Accounts always use this model.
AUD 10,000 balance under the Aggregated model, or a per-account split (say, AUD 7,000 for Store A and AUD 3,000 for Store B) under the Dedicated model.
Existing merchants continue on the Aggregated Balance model with no change. There is no balance migration, no historical transaction migration, and no impact on existing settlements or withdrawals.
Balance history table
Below the summary, the Balance History table logs every transaction. Each row includes:- Balance ID — unique identifier for the transaction.
- Account — the Payments Account or Treasury Account the transaction belongs to.
- Reference — transaction reference ID.
- Status — Done, Waiting, or Failed.
- Method — payment method used (PayID, BSB/Account No, Hello Clever, domestic bank transfer).
- Date — timestamp of the transaction.
- Amount — debits shown in red, credits in green.
Viewing transaction details
- Hover over Expand Detail on any row to see a summary in a side panel (status, reference number, date, and recipient details).
- Click Open Detail to view the full transaction record on a dedicated screen.
Filtering and customizing the balance view
Filtering: Click Filter and narrow down by:- Request type — PayIn, Payout, Settlement, Account Transfer, Refund, Cashback Payout, and others.
- Payment method — PayID, Credit Card, BSB/Account No, etc.
- Status — Waiting, Failed, or Done.
You can change the timezone for all timestamps displayed on the Balance screen. Go to Account & Security settings and select your preferred timezone.
Managing accounts
A Payments Account receives and holds the funds from your payment activity — for an e-commerce store, a physical retail location, or an integrated system. You can run several Payments Accounts under one merchant, one per store, brand, or payment flow. Alongside these, you may also hold Treasury Accounts for holding, receiving, and moving funds in a specific currency (see Treasury Accounts below).All Payments Account Balances
The All Balances view lists every Payments Account under the selected currency, with these columns:- Account Nickname — the account’s name (select it to open the account).
- Status — for example, Active.
- Last Transaction Date — the most recent activity.
- Integration Type — how the account is connected (for example, Payment APIs, Shopify, or WooCommerce).
Navigating to accounts
Every Payments Account is listed under the Payments Accounts heading in the left sidebar. Select All Balances to see them together, or select an individual account to open its own menu: Account Details, Payins, Payouts, and Request Payment.Adding an account
Add a new Payments Account with the New Payments Account button on the All Balances screen, or the Create account button in the top-right corner of the portal.Viewing account details
Open an account and select Account Details to see its information and performance, including metrics such as:- Total sales — revenue trends over your selected period.
- Total payments — transaction volume over time.
- Average order value — changes in spending patterns.
- Cashback campaigns — active campaigns and their effect on sales.
- Recent payments — a snapshot of the latest transactions.
Comparing periods
Select a date range and enable Compared to Previous Period to see percentage changes in Total Sales, Total Payments, and other metrics side by side. A result of +192.77%, for example, means sales increased by that percentage compared to the immediately preceding period of the same length.Moving money
The All Balances screen has a row of actions above the balance summary: Move funds, Request payment, Withdraw, Top up, Manage auto settlement, and New Payments Account. Behind these buttons, Clever Connect describes money movement with two terms, so it is always clear what is happening:Settlement
Moves available funds out of a Payments Account — to a Treasury Account or a named external bank account. A settlement fee usually applies.
Account Transfer
Moves funds between your Hello Clever accounts, or between a Treasury Account and an external account (the Move funds button). Internal transfers do not charge a fee; external movements may.
Fees are always shown before you confirm, and every confirmation shows the source and destination account, amount and currency, timing, any fee, the expected balance impact, and a reference ID after submission.
Settlement
A Settlement moves your available funds out of a Payments Account, either automatically or on demand. It can settle to a Treasury Account or to a named external bank account. Use Manage auto settlement on the All Balances screen to set up and control automatic settlement. You will typically:1
Open Manage auto settlement
Click Manage auto settlement on the All Balances screen.
2
Choose a destination
For AUD, choose PayID or BSB and Account Number. For other currencies, provide your local bank account details.
3
Select a settlement option
- End of Day — funds are automatically settled at the end of each day (e.g., 11 PM).
- On-Demand — initiate settlement manually at any time.
- Aggregated Balance — the amount is deducted from your single merchant balance, and no account selection is required.
- Dedicated Balance — you must select an account first, and the amount is deducted from that account’s balance only. Other accounts are unaffected.
If your business needs faster access to funds, Real-Time Settlement can be enabled. Contact Hello Clever Support — additional fees apply for each real-time transfer.
Settlement details
Click any settlement record to view its details:- Outgoing — amount being settled, excluding rolling reserve.
- Fees — fees deducted from the outgoing amount.
- Total — net amount after fees.
- Status, date, Balance ID, reference — tracking fields.
- Recipient — bank account details for the receiving account.
- Transaction list — individual transactions included in the settlement.
Withdraw
A withdrawal moves funds out to your linked bank account. Like settlements, whether you pick an account depends on your balance model: under Aggregated Balance the withdrawal comes from the merchant balance with no account selection; under Dedicated Balance you choose the account to withdraw from first.1
Open the All Balances screen
Select All Balances under Payments Accounts in the sidebar.
2
Click Withdraw
Click the Withdraw button above the balance summary.
3
Choose an account (Dedicated Balance only)
If your account uses the Dedicated Balance model, choose which account to withdraw from. Under Aggregated Balance this step does not appear.
4
Enter an amount
Enter the amount you want to withdraw (minimum $10). The maximum withdrawable amount is shown, excluding any rolling reserve. Ensure automatic settlement is set up before withdrawing.
5
Confirm
Confirm the values, then click Withdraw to move the funds to your linked bank account.
Top up
Use Top up on the All Balances screen to add funds to a Payments Account — for example, using PayID or a virtual BSB/Account Number for the relevant currency.Move funds
Use Move funds to make an Account Transfer between your Hello Clever accounts. Internal transfers between your own accounts do not charge a fee. Cross-currency movement is supported only between Treasury Accounts.Treasury Accounts
Treasury Accounts are a newer Clever Connect feature that give you a dedicated place to hold, receive, and move funds in a specific currency. Each Treasury Account always uses the Dedicated Balance model, so it keeps its own separate balance — money movement only affects the account you select. Each account is backed by a banking partner (a Supplier). Treasury Accounts are currently available in two currencies:
Within a Treasury Account there are two money flows: a Deposit (moving funds in) and a Transfer (moving funds out to a recipient).
Finding your account details
Before depositing, you need the Treasury Account’s banking details. Find them on the merchant dashboard, under the account’s Account Details tab: Account name, Account number, BSB code (for AUD accounts), and Bank name.Deposit flow
Once a Treasury Account has been created, you can confirm that incoming funds arrive correctly. For AUD accounts, use the TestBank simulator (https://test-bank.cleverhub.co/bsb-info) with the account’s holder name, BSB, and account number. For JPY accounts, simulate the deposit through the deposit API. After the deposit completes, it appears in the account’s transaction history and the Incoming and Available balances update.
Transfer flow
A transfer moves funds out of a Treasury Account to a recipient. On the Enter amount screen you will see how much you transfer, how much the recipient gets after fees, the total fees included, the source account, the recipient’s details, and the expected arrival time. Add an optional reference and description, then continue to review and confirm. Once confirmed, the transfer’s status is Processing and a Balance ID (its unique identifier) is shown — you can copy it directly from the confirmation screen. The transfer then settles, typically within a few hours on weekdays or the next working day on weekends.For the full Clever Connect model — including balance models, account types, and money movement in depth — see the Clever Connect documentation.
More money-movement capabilities are planned for Clever Connect, including adding funds and Settlement for Payments Accounts; adding funds, Settlement, and Withdrawal for Treasury Accounts; Account Transfers between Hello Clever accounts; and an FX conversion feature.