Hello Clever’s Card PayIn Service lets you accept card payments from customers through a secure, versatile infrastructure that supports major card schemes and digital wallets. This page covers supported payment methods, security and compliance features, settlement and surcharge options, float account management, and integration choices.

​
Supported payment methods

Hello Clever’s Card PayIn Service accepts payments from the following methods:

Visa and Mastercard

Accept the world’s most widely used card schemes. Customers can pay using physical cards or card details saved in their browser or device.

Apple Pay and Google Pay

Offer contactless, one-tap checkout on mobile and desktop. Digital wallets reduce friction at checkout and increase conversion rates for mobile shoppers.
Enabling Apple Pay and Google Pay opens your checkout to the growing segment of customers who prefer mobile payments, delivering a faster experience that reduces cart abandonment.

​
Security and compliance

Every card transaction on Hello Clever’s infrastructure is protected by enterprise-grade security controls.

Tokenisation and encryption

Card data is tokenised at the point of capture and transmitted using robust encryption, ensuring sensitive payment details are never exposed in plain text.

PCI compliance

Hello Clever follows rigorous PCI DSS standards for the secure storage and transmission of cardholder data, protecting both your business and your customers.

Fraud detection

Real-time fraud detection protocols monitor transactions as they occur, alerting you to suspicious activity and minimising financial risk.

Digital wallet security

Apple Pay and Google Pay use device-level authentication and tokenisation, adding an additional layer of security on top of Hello Clever’s own controls.

​
Settlement and surcharge options

Hello Clever gives you flexibility in how card transactions settle and how you manage the cost of acceptance.

​
Settlement

Card PayIns settle within industry-standard timeframes, ensuring predictable cash flow for your operations. All settled funds are credited to your float account, giving you a centralised view of available balances.

​
Surcharging

You can configure a surcharge on card payments to pass transaction fees on to customers when required. Surcharge settings are managed directly from the Hello Clever Merchant Portal without any code changes.
Surcharges must comply with applicable Australian regulations, including the Reserve Bank of Australia’s surcharging standards. Configure your surcharge to reflect the actual cost of acceptance, not a margin above it.

​
Float account management

All card PayIns are credited to a float account, centralising your funds for streamlined access and management.

Multi-currency float accounts

For businesses operating across multiple regions, Hello Clever maintains a separate float account per currency. Incoming card payments are credited to the correct account automatically.

Automatic reconciliation

Transactions are reconciled automatically within your float account, reducing manual accounting tasks and making reporting straightforward.

​
Integration options

Hello Clever’s Card PayIn Service connects to your platform through two integration paths.
Hello Clever’s secure, hosted checkout is the fastest way to start accepting card payments online. You embed the payment page or redirect customers to it, and Hello Clever handles card data capture, tokenisation, and processing on your behalf.Best for: online stores and platforms seeking a quick, compliant setup without managing card data directly.