Real-time settlementInstant CashbackClever AIOne integrationFirst to market
The three core capabilities
Real-time payments
Funds move from customer to merchant the moment a transaction is confirmed.
Instant Cashback rewards
Rewards land in the customer’s Hello Clever account as soon as funds are received.
Clever AI
Forecast campaigns before you launch and act on continuous recommendations.
Real-time payments
Hello Clever processes payments the moment a customer confirms a transaction. Funds transfer from the customer’s bank or card directly to your merchant account in real time, with no waiting days for settlement. What that changes for your business:- Immediate access to revenue: Funds are available as soon as the payment completes, which improves cash flow.
- Less reconciliation overhead: There is no queue of pending transactions to match up later.
- No ambiguity: Both you and your customer receive instant confirmation, creating a transparent and trustworthy checkout experience.
Instant Cashback rewards
Hello Clever is the first real-time payment processor to offer instant cashback embedded directly into the payment flow.For your customers
Cashback is delivered to the customer’s Hello Clever account the moment funds are received.
No points accumulationNo delaysNo extra steps
Customers can withdraw cashback to their bank account or apply it to a future purchase.For you as a merchant
Cashback campaigns are built into the platform, so there is no separate loyalty infrastructure to operate.
Percentage or fixed amountSet campaign durationAutomatic distribution
You define the cashback and Hello Clever handles distribution.Clever AI
Clever AI is Hello Clever’s built-in intelligence layer. It provides two capabilities designed to help you make better decisions without needing a dedicated data team.Forecaster
Simulate campaign outcomes before you commit budget. Input variables like cashback percentage, campaign duration, or product mix, and Clever AI projects expected customer engagement, redemption rates, and revenue uplift based on your historical data.
Actionable Insights
Analyses your transactional and behavioural data continuously and surfaces specific recommendations, such as identifying your highest-value customer segment, flagging a drop in redemption rates, or suggesting the right time to launch a targeted offer. Each insight includes suggested next steps so you can act immediately.
Key features
Real-time payments
Funds settle instantly from customer to merchant, with both parties notified the moment a transaction completes.
Instant Cashback
Cashback is delivered to customers immediately after payment is confirmed, with no points and no waiting period.
Flexible campaigns
Set percentage-based or fixed cashback, define campaign durations, and monitor results in real time from the Merchant Portal.
Clever AI forecaster
Simulate campaign outcomes with your historical data before you launch to maximise return on investment.
Actionable insights
AI-generated recommendations with suggested next steps, updated continuously from your transaction and behavioural data.
Secure and transparent
End-to-end encryption, multi-factor authentication, and instant transaction confirmations on every payment.
Why choose Hello Clever
- First to market Instant Cashback: Hello Clever is the only real-time payment processor that delivers cashback at the moment of transaction, not days later.
- Simpler stack No separate loyalty infrastructure: Rewards are embedded in the payment itself, so you get customer retention without managing a separate points programme.
- Cash flow Funds available sooner: Instant settlement means funds are available to reinvest immediately, not tied up in payment processing queues.
- Growth AI-powered strategy: Clever AI turns your payment data into actionable strategy without requiring a data analyst or business intelligence team.
- Flexible Integration options: Connect via Shopify, WooCommerce, Magento, Tyro POS, Xero, or directly through the Hello Clever API.
Ways to connect
ShopifyWooCommerceMagentoTyro POSXeroHello Clever API
Next steps
1
Create your merchant account
Create a merchant account to access the platform.
2
Obtain your integration keys
Get your integration keys to begin connecting your store.