> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# 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

<Columns cols={2}>
  <Card title="Payin" icon="arrow-down-to-line">
    Accept payments via bank transfer, e-wallet, QR code, mobile money, and more. Supports refunds, cancellations, and OTP-based mobile money flows.
  </Card>

  <Card title="Payout" icon="arrow-up-from-line">
    Send funds to recipients across supported currencies. Includes scheduled payouts, branch code lookups, and QR-based bank account resolution.
  </Card>

  <Card title="Customers and Contacts" icon="users">
    Create and manage customer records and contacts. Submit KYC documents for methods that require identity verification before transacting.
  </Card>

  <Card title="Balance" icon="wallet">
    Query your available, incoming, outgoing, rolling reserve, and withdrawable balances, and retrieve full balance transaction history, across all currencies.
  </Card>
</Columns>

## 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](/api/payin-methods/get-payin-methods) or [Get Payout Methods](/api/payout-methods/get-payout-methods) to see which methods are enabled for your own account. Contact [support@helloclever.co](mailto:support@helloclever.co) to enable additional currencies.

<Note>
  The v2 and v3 currency footprints are not identical. **NZD** and **HKD** card acceptance is offered through the [Multi-Currency Gateway (v3)](/api/v3/introduction) rather than v2, so if you need those currencies, check the [v3 currency and method table](/api/v3/introduction#supported-currencies-and-payment-methods) before building against v2.
</Note>

<Note>
  GST should only be set to `true` for AU merchants processing **AUD** transactions. Set it to `false` for all other currencies.
</Note>

### 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.

<ParamField header="app-id" type="string" required>
  Your application identifier, registered and managed within Hello Clever. Required for all requests.
</ParamField>

<ParamField header="secret-key" type="string" required>
  Your client secret, used to authenticate server-side requests. Never expose this in client-side code.
</ParamField>

```bash Example request theme={null}
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:

<Steps>
  <Step title="Get payin methods">
    Call `GET /v2/payins/payin_methods` to retrieve the list of payment methods available for your configured currency.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Create the payin">
    Call `POST /v2/payins` with the method code, required fields, and customer details to initiate the payment.
  </Step>

  <Step title="Simulate (sandbox only)">
    In the sandbox environment, call `POST /v2/payins/simulate` to complete a pending payment for testing.
  </Step>
</Steps>

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](/api/payin/create-a-payin)                      | Create, cancel, refund, and query payin transactions                 |
| [Payout](/api/payout/create-a-payout)                   | Send funds, manage scheduled payouts, look up QR and branch codes    |
| [Customers and Contacts](/api/customer/create-customer) | Manage customer records, contacts, and KYC verification              |
| [Balance](/api/balance/get-balance-details-v2)          | Query multi-currency balance details and balance transaction history |

## Contact and terms

* Support: [support@helloclever.co](mailto:support@helloclever.co)
* Terms of Service: [helloclever.co/terms](https://helloclever.co/terms)


## Related topics

- [Multi-Currency Payin API Reference (v2)](/api/v2/payin.md)
- [Multi-Currency Payout API Reference (v2)](/api/v2/payout.md)
- [Balance API Reference (v2)](/api/v2/balance.md)