Multi-Currency Payment API (v2)

Build payin and payout flows across APAC and beyond with Hello Clever’s v2 multi-currency API: one schema, many currencies, full control.

The Multi-Currency Payment API (v2) gives you a single, unified API schema to accept and send payments across multiple currencies throughout APAC and beyond. Whether you’re collecting payments from customers in Vietnam, Malaysia, Japan, or Australia, or paying out to bank accounts, mobile money wallets, and QR-based networks, v2 handles the full lifecycle through one consistent interface.

What v2 covers

Payin

Accept payments via bank transfer, e-wallet, QR code, mobile money, and more. Supports refunds, cancellations, and OTP-based mobile money flows.

Payout

Send funds to recipients across supported currencies. Includes scheduled payouts, branch code lookups, and QR-based bank account resolution.

Customers and Contacts

Create and manage customer records and contacts. Submit KYC documents for methods that require identity verification before transacting.

Balance

Query your available, incoming, outgoing, rolling reserve, and withdrawable balances, and retrieve full balance transaction history, across all currencies.

Supported currencies

The v2 API supports all currencies configured in your Hello Clever Merchant Dashboard:

Region	Currencies
Asia-Pacific	AUD, IDR, INR, JPY, KHR, KRW, MYR, PHP, THB, VND
Africa	BWP, GHS, KES, MWK, NGN, TZS, XAF, XOF, ZAR
Americas	ARS, BRL, CAD, USD
Other	USDC

Call Get Payin Methods or Get Payout Methods to see which methods are enabled for your own account. Contact [e-mail] to enable additional currencies.

The v2 and v3 currency footprints are not identical. NZD and HKD card acceptance is offered through the Multi-Currency Gateway (v3) rather than v2, so if you need those currencies, check the v3 currency and method table before building against v2.

GST should only be set to true for AU merchants processing AUD transactions. Set it to false for all other currencies.

Amount rounding

For VND, JPY, XAF, KRW, and XOF, transaction amounts are rounded to the precision each currency supports during processing. The amount recorded against the transaction may therefore differ slightly from the value you submitted.

Reconcile against the amount returned in the API response and webhook payload, not the value you sent. For all other currencies, amounts are processed as submitted.

Base URLs

Environment	Base URL
Sandbox	https://api.cleverhub.co/api
Production	https://api-merchant.helloclever.co/api

Authentication

All v2 API requests require two header-based API keys issued from the Hello Clever Merchant Dashboard.

app-id · string · required

Your application identifier, registered and managed within Hello Clever. Required for all requests.

secret-key · string · required

Your client secret, used to authenticate server-side requests. Never expose this in client-side code.

Example request

curl --request GET \
  --url https://api.cleverhub.co/api/v2/payins/payin_methods \
  --header 'app-id: YOUR_APP_ID' \
  --header 'secret-key: YOUR_SECRET_KEY'

Integration overview

A typical payin integration follows four steps:

1. Get payin methods

   Call GET /v2/payins/payin_methods to retrieve the list of payment methods available for your configured currency.

2. Get required fields

   Call GET /v2/payins/payin_method/params with the chosen method code to learn which fields you must collect from your customer.

3. Create the payin

   Call POST /v2/payins with the method code, required fields, and customer details to initiate the payment.

4. Simulate (sandbox only)

   In the sandbox environment, call POST /v2/payins/simulate to complete a pending payment for testing.

Payout flows follow the same pattern: get methods → get required fields → create payout. You only need to discover methods and required fields once per method; after that, you can reuse the same configuration for future transactions.

Resources

Resource	Description
Payin	Create, cancel, refund, and query payin transactions
Payout	Send funds, manage scheduled payouts, look up QR and branch codes
Customers and Contacts	Manage customer records, contacts, and KYC verification
Balance	Query multi-currency balance details and balance transaction history

Contact and terms

• Support: [e-mail]
• Terms of Service: helloclever.co/terms