Hello Clever’s Settlement Service provides flexible, efficient fund access for merchants in Australia, across APAC, and for cross-border operations. Each merchant receives a dedicated float account that tracks incoming and pending funds in real time, giving you full visibility into your financial position at all times.

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Float account

Every Hello Clever merchant account includes a float account, a centralised ledger that records all incoming payments as soon as they are initiated.
  • Real-time tracking: Transactions from all payment methods (PayID, PayTo, BSB/Account, card) appear in your float account immediately, with pending card payments marked until cleared.
  • Transaction status updates: The system shows when funds are cleared and available for settlement, so you always know what’s withdrawable.
Float accounts give you a live view of your financial position, enabling better cash flow decisions without waiting for end-of-day reports.

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Settlement options in Australia

Hello Clever offers three settlement modes for Australian merchants:
Instant Settlement is available for eligible merchants. Contact Hello Clever to discuss whether your account qualifies.

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Settlement in APAC

Hello Clever’s APAC settlement aligns with each country’s payment rail requirements:
  • Rail-specific compliance: Settlements use each region’s local infrastructure (batch or instant) to meet local regulations.
  • Interoperability: The system integrates seamlessly across APAC regions while maintaining jurisdictional compliance.

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Cross-border settlement

For international operations, Hello Clever batches cross-border transactions to minimise costs and manages FX in real time:
  • Batch processing: Cross-border transactions are grouped to reduce per-transaction fees.
  • FX and liquidity management: Real-time exchange rates and liquidity monitoring ensure optimal conversion and timely fund availability.
  • Compliance: All cross-border settlements comply with AML and CTF regulations across relevant jurisdictions.

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Rolling reserve for instant refunds

Hello Clever maintains a rolling reserve to fund instant refunds without impacting your main float balance:
  • Reserve allocation: The reserve is sized based on your expected transaction volume and refund rate.
  • Automatic processing: Refunds are drawn from the rolling reserve automatically, reducing refund delays and improving customer satisfaction.

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Integration options

You can manage settlements through the Merchant Portal or via the API:

Merchant Portal

View your float balance, initiate on-demand settlements, and monitor transaction status from the dashboard.

API Integration

Automate settlements, retrieve balance details, and integrate real-time fund tracking into your internal accounting systems.