> ## 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.

# Industry Use Cases

> See how Hello Clever powers real-time payments and instant cashback across eCommerce, retail, platforms and marketplaces, travel, and the creator economy.

Hello Clever fits the way your business actually works. Whether you sell online, run physical shops, connect buyers and sellers on a marketplace, move money across countries for travellers, or pay a group of creators, the same main features (real-time payments, instant cashback, support for many currencies, and AI-powered insights) adjust to fit your business. This page walks through five industries and shows how businesses in each one use Hello Clever.

<Note>
  Every use case below uses the same setup options. Once your `app-id` and `secret-key` are ready, you can combine Payin, Payout, Cashback, and multi-currency features to fit your business. See [choosing the right integration](/integrations/choosing-integration) to get started.
</Note>

## eCommerce

Online stores depend on two things: getting customers to finish the checkout, and getting them to buy again. Hello Clever helps with both. It makes paying quick and easy, and it gives customers a reason to come back.

<CardGroup cols={2}>
  <Card title="Real-time checkout" icon="bolt">
    Take instant bank-to-bank payments through PayID, or card payments through a ready-made checkout page, with confirmation as soon as the money arrives.
  </Card>

  <Card title="Instant Cashback at checkout" icon="gift">
    Reward customers as soon as their payment clears, turning a one-time buyer into a returning one and increasing the average order value.
  </Card>

  <Card title="Ready-made plugins" icon="plug">
    Get started quickly with ready-made connections for Shopify, WooCommerce, Magento, OpenCart, and Shopline, with no coding required.
  </Card>

  <Card title="Get seen in the app" icon="mobile-screen">
    List your cashback offers in the Hello Clever consumer app to reach people who are already looking for deals and rewards.
  </Card>
</CardGroup>

### How it works for an online store

<Steps>
  <Step title="Connect your platform">
    Install the Hello Clever plugin for your online store, or use the [Payment Gateway APIs](/api/v1/introduction) to build your own checkout.
  </Step>

  <Step title="Launch a cashback campaign">
    Create a percentage-based or fixed-amount campaign from the [Merchant Portal](/portal/cashback-campaigns) to encourage first purchases or reward loyal customers.
  </Step>

  <Step title="Reward and reconcile automatically">
    Customers receive cashback as soon as their bank payment clears, and every payment is matched up automatically, so you don’t need to track anything by hand.
  </Step>
</Steps>

<Tip>
  Set a minimum spend amount on your cashback campaign to encourage bigger orders. Customers add more to their cart to unlock the reward, which raises the average order value.
</Tip>

## Retail

Physical stores can offer the same instant rewards that online stores do. Through Hello Clever’s partnership with [Tyro](https://www.tyro.com/), customers earn cashback at the terminal simply by paying as they normally would.

<Warning>
  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.
</Warning>

<CardGroup cols={2}>
  <Card title="In-store instant cashback" icon="store">
    Run the same real-time cashback campaigns in your physical store that you offer online, all managed from one Merchant Dashboard.
  </Card>

  <Card title="No change to the customer flow" icon="credit-card">
    Customers tap their linked card or Apple Pay at a Tyro terminal just like normal, and the cashback is checked and paid automatically.
  </Card>

  <Card title="All your reports in one place" icon="chart-line">
    Payment and cashback information is shared between Tyro and Hello Clever, so your in-store reports sit right next to your online activity.
  </Card>

  <Card title="Campaigns that update automatically" icon="arrows-rotate">
    Set your campaign in the portal and Hello Clever sends it to your terminals in real time, so you don’t need to change anything at the till.
  </Card>
</CardGroup>

<Tip>
  Retailers with both an online store and physical shops can create one cashback campaign that rewards customers everywhere they buy, encouraging them to keep coming back no matter where they shop.
</Tip>

## Platforms and marketplaces

Marketplaces and platforms have to take money from lots of buyers and send money to lots of sellers, often at the same time, and more and more often in different countries. Hello Clever’s Payin, Payout, and multi-currency features are built for exactly this.

<CardGroup cols={2}>
  <Card title="Collect from buyers" icon="arrow-down-to-bracket">
    Take real-time payments from buyers through PayID, BSB/Account, or card, with instant confirmation on every payment.
  </Card>

  <Card title="Pay out to sellers" icon="arrow-up-from-bracket">
    Send money to your sellers one at a time, in groups, or on a set schedule using the [Payout Service](/services/payout) via PayID or BSB/Account.
  </Card>

  <Card title="Use your own branding" icon="palette">
    Add Payin and Payout features to your platform under your own name and branding, so the payment experience looks like it belongs to you.
  </Card>

  <Card title="Recurring agreements" icon="repeat">
    Use [PayTo agreements](/platform-overview/payment-concepts/payto-recurring) for subscriptions and regular payments. Instead of the old direct debit method, the customer approves the payments ahead of time, and they happen in real time.
  </Card>
</CardGroup>

### A typical marketplace flow

<Steps>
  <Step title="Buyer completes a purchase">
    The buyer pays through your platform using a real-time payment method, and both people get instant confirmation.
  </Step>

  <Step title="Money arrives in your account">
    Payments arrive in your Hello Clever account in real time, so you can see incoming money in each currency straight away.
  </Step>

  <Step title="Sellers are paid out">
    Send payments to your sellers one at a time, in groups, or on a set schedule, handling the whole network from one setup.
  </Step>
</Steps>

<Tip>
  Running more than one store or seller account? Create a separate `app-id` and `secret-key` pair for each one so their balances and reports stay clearly separated.
</Tip>

## Travel

Travel businesses deal with customers from other countries, payments that move between countries, and many different currencies all the time. Hello Clever’s multi-currency services let you take and settle payments across the Asia-Pacific region and further afield from one setup.

<CardGroup cols={2}>
  <Card title="Accept payments in many currencies" icon="globe">
    Use the [Multi-Currency Payin API](/api/v2/introduction) to take payments across the Asia-Pacific region by bank transfer, e-wallet, QR code, and mobile money.
  </Card>

  <Card title="Hosted checkout for any currency" icon="browser">
    Create a ready-made checkout page in any supported currency with a single API call using the [Payment Gateway 3](/api/v3/introduction).
  </Card>

  <Card title="Real-time currency exchange" icon="money-bill-transfer">
    Hold money in different currencies in separate accounts and swap between them at real-time exchange rates through the [Multi-Currency FX Service](/services/multi-currency-fx).
  </Card>

  <Card title="Payments between countries" icon="building-columns">
    Choose flexible ways to receive your money (instantly, at the end of the day, or whenever you request it) through the [Settlement Service](/services/settlement).
  </Card>
</CardGroup>

<Note>
  Multi-currency support covers AUD, SGD, and other currencies. Each currency goes into its own separate account, so you can clearly see and control the money you hold in every market you work in.
</Note>

<Tip>
  Combine multi-currency Payin with instant cashback to reward travellers from other countries when they book, encouraging them to book with you directly instead of through other websites.
</Tip>

## Creator economy

Creator platforms need to take payments from their audiences and pay many creators reliably and often. Hello Clever’s real-time Payin and flexible Payout services make both fast and easy to predict.

<CardGroup cols={2}>
  <Card title="Collect from your audience" icon="hand-holding-dollar">
    Take real-time payments and subscriptions from fans and supporters, with instant confirmation on every payment.
  </Card>

  <Card title="Pay creators on your schedule" icon="users">
    Send payments to creators one at a time, in groups, or on a set schedule via PayID or BSB/Account, so you don’t have to pay each one by hand.
  </Card>

  <Card title="Recurring memberships" icon="calendar-check">
    Use [PayTo](/platform-overview/payment-concepts/payto-recurring) for memberships and subscription levels that the customer approves ahead of time and that happen in real time.
  </Card>

  <Card title="Reward taking part" icon="star">
    Offer instant cashback to encourage sign-ups, renewals, and repeat support across your group of creators and fans.
  </Card>
</CardGroup>

### Paying out your creator network

<Steps>
  <Step title="Collect membership and tip payments">
    Audiences pay through your platform in real time, and the money arrives in your Hello Clever account right away.
  </Step>

  <Step title="Group your creator payments together">
    Upload a file to pay many creators at once, or set up regular payments, so your whole group of creators is paid correctly and on time.
  </Step>

  <Step title="Track everything in the portal">
    Watch money coming in and going out from the [Merchant Portal](/portal/overview), with real-time status on every payment.
  </Step>
</Steps>

<Tip>
  Paying many creators at once, or on a set schedule, saves your team from having to pay each person by hand. That way they can spend their time growing the platform instead of processing payments.
</Tip>

## Find the right fit for your business

| Industry                   | Main features                                                           | Where to start                                                |
| -------------------------- | ----------------------------------------------------------------------- | ------------------------------------------------------------- |
| eCommerce                  | Real-time payments, instant cashback, ready-made plugins                | [Choosing an integration](/integrations/choosing-integration) |
| Retail                     | In-store instant cashback through Tyro, one place for all reports       | [Tyro integration guide](/integrations/tyro)                  |
| Platforms and marketplaces | Take payments, send payments, recurring PayTo, your own branding        | [Payout Service](/services/payout)                            |
| Travel                     | Payments in many currencies, real-time exchange, cross-country payments | [Multi-Currency FX Service](/services/multi-currency-fx)      |
| Creator economy            | Real-time payments, group and scheduled payouts, recurring PayTo        | [Payout Service](/services/payout)                            |

<Tip>
  Not sure which features your business needs? Start with [choosing the right integration](/integrations/choosing-integration) to match your platform and type of business to the correct guide or API.
</Tip>


## Related topics

- [Get Started with Hello Clever](/getting-started/overview.md)
- [Clever AI Forecaster](/clever-ai/forecaster.md)
- [Clever AI Actionable Insights](/clever-ai/actionable-insights.md)