Hello Clever’s Instant Cashback feature turns every completed payment into an immediate reward for your customers. As the first payment provider to deliver instant cashback using real-time payment technology, Hello Clever helps merchants drive loyalty, increase basket sizes, and grow brand visibility, both online and in physical locations. This page explains how cashback works, the technical flow behind it, campaign customisation options, and the in-store experience powered by Hello Clever’s partnership with Tyro.

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How real-time payments enable instant cashback

Instant cashback is only possible because Hello Clever processes payments in real time. When a customer pays, funds move immediately from their account to yours. That instant confirmation is what lets Hello Clever credit cashback to the customer’s wallet in the same moment, with no delays and no batch processing.
If a customer pays by card, cashback is credited once funds settle from the issuing bank. The reward still arrives promptly, but it is tied to card settlement timelines rather than immediate NPP confirmation.

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Technical flow

1

Customer initiates payment

The customer chooses a real-time payment method (for example, PayID) and enters their linked bank identifier at checkout.
2

Fund transfer to your account

The payment processes through the New Payments Platform (NPP), moving funds instantly from the customer’s account to yours.
3

Transaction verification

Once funds are confirmed in your account, Hello Clever’s system automatically initiates the cashback process.
4

Cashback calculated and split

Hello Clever calculates the cashback amount and splits it from the PayIn. You do not need a separate account or manual top-up to fund the reward.
5

Cashback credited to customer's wallet

The reward appears instantly in the customer’s Hello Clever app wallet, accompanied by a confirmation notification.

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Online cashback

For online merchants, cashback is triggered the moment a real-time payment clears. Customers see the reward in their Hello Clever app immediately after completing a purchase on your website or app.

Payment Gateway

Accept payments and issue cashback through Hello Clever’s hosted checkout. Minimal setup, fully managed cashback processing.

API integration

Build cashback into a custom checkout flow using the Hello Clever API. Control the payment and reward experience end-to-end.

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In-store cashback

Hello Clever introduced Australia’s first in-store instant cashback experience in partnership with Tyro. Customers earn rewards at physical locations simply by paying as they normally would.
In-store cashback requires Tyro EFTPOS terminals. Venues without Tyro hardware cannot participate in this program. Contact Hello Clever to discuss onboarding if you are not yet a Tyro merchant.

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How it works in store

1

Customer links their payment method

The customer connects their preferred card or Apple Pay to their Hello Clever app account.
2

Customer pays at the terminal

At a participating venue, the customer taps their linked card or Apple Pay at a Tyro terminal as usual.
3

Real-time validation

Tyro’s terminal communicates instantly with Hello Clever to validate the transaction against the active cashback campaign.
4

Cashback credited instantly

The cashback amount appears in the customer’s Hello Clever app wallet immediately, with a push notification confirming the reward.
5

Data synchronised

Transaction and cashback data sync between Tyro and Hello Clever, giving you accurate reporting in the merchant portal.

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Setting up in-store cashback

1

Confirm Tyro terminal setup

Ensure your venue uses Tyro EFTPOS terminals. Only Tyro hardware supports Hello Clever’s real-time in-store cashback integration.
2

Create a campaign in the portal

Log in to the Hello Clever Merchant Portal, set your cashback rate, eligibility criteria, and campaign duration.
3

Campaign syncs automatically

Hello Clever pushes campaign details to your Tyro terminals in real time. Each eligible purchase validates and processes cashback according to your campaign settings, with no manual tracking required.
Use the Hello Clever Merchant Portal to monitor in-store cashback activity and review campaign performance, giving you clear visibility into customer engagement at the point of sale.

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Cashback funding and campaign design

Merchants fund cashback from their marketing budget. This model directs your spend toward customers who actively engage with your brand, rather than broad advertising that reaches uninterested audiences.

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Customising your campaigns

Hello Clever gives you precise control over how cashback campaigns are structured:

Tailored cashback rates

Set different cashback amounts per product or service category, giving greater rewards where they matter most.

Purchase thresholds

Require a minimum spend to unlock cashback, encouraging higher transaction values.

Flexible timing

Schedule campaigns around seasons, events, or promotional windows to generate urgency and drive engagement at the right moments.

Consumer app visibility

Your cashback offers appear in Hello Clever’s app (used by over 100,000 active Australian consumers) in Featured, Trending, and Category sections.
Listing your cashback offers in the Hello Clever consumer app connects your brand with a highly engaged, rewards-motivated audience actively looking for deals.