> ## 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.

# Get Started with Hello Clever

> Real-time payments, payouts, cards, and instant cashback behind one integration. Pick the path that matches what you are building.

Hello Clever puts real-time payments, payouts, cards, and instant cashback behind one integration. Pick the path that matches what you are building.

## What you can build

<CardGroup cols={3}>
  <Card title="Real-time Payin" icon="bolt" href="/services/real-time-payin">
    Instant bank payments via PayID and PayTo.
  </Card>

  <Card title="Card Payin" icon="credit-card" href="/services/card-payin">
    Visa, Mastercard, Apple Pay, and Google Pay.
  </Card>

  <Card title="Payout" icon="money-bill-transfer" href="/services/payout">
    Send funds across Australia and APAC.
  </Card>

  <Card title="Instant Cashback" icon="tag" href="/services/instant-cashback">
    Reward customers the moment payment clears.
  </Card>

  <Card title="Multi-Currency FX" icon="globe" href="/services/multi-currency-fx">
    Hold and convert funds across currencies.
  </Card>

  <Card title="Settlement" icon="building-columns" href="/services/settlement">
    Instant, end-of-day, or on-demand access to funds.
  </Card>
</CardGroup>

## Choose your path

<Tabs>
  <Tab title="No-code plugins">
    Connect your store or POS with a ready-made plugin. No engineering work required.

    <CardGroup cols={3}>
      <Card title="Shopify" icon="bag-shopping" href="/integrations/shopify">
        Add Hello Clever to Shopify checkout.
      </Card>

      <Card title="WooCommerce" icon="wordpress" href="/integrations/woocommerce">
        Plugin for WordPress stores.
      </Card>

      <Card title="Magento" icon="cart-shopping" href="/integrations/magento">
        For Adobe Commerce storefronts.
      </Card>

      <Card title="OpenCart" icon="store" href="/integrations/opencart">
        Enable payments on OpenCart.
      </Card>

      <Card title="Shopline" icon="shop" href="/integrations/shopline">
        Real-time payments on Shopline.
      </Card>

      <Card title="Tyro POS" icon="cash-register" href="/integrations/tyro">
        Instant Cashback in store.
      </Card>

      <Card title="Xero" icon="file-invoice-dollar" href="/integrations/xero">
        Get paid on Xero invoices.
      </Card>

      <Card title="Compare your options" icon="list-check" href="/integrations/choosing-integration">
        Match your platform to an integration.
      </Card>
    </CardGroup>
  </Tab>

  <Tab title="Build with the API">
    Build your own checkout, payouts, or cashback logic. Every request uses your `app-id` and `secret-key`.

    <CardGroup cols={3}>
      <Card title="API overview" icon="code" href="/api/overview">
        How the five APIs fit together.
      </Card>

      <Card title="Authentication" icon="key" href="/api/authentication">
        Headers, access tokens, and key safety.
      </Card>

      <Card title="Webhooks" icon="bell" href="/api/webhooks">
        Receive and verify payment events.
      </Card>

      <Card title="Payment APIs for AUD (v1)" icon="dollar-sign" href="/api/v1/introduction">
        PayID, PayTo, payouts, and balances.
      </Card>

      <Card title="Multi-Currency APIs (v2)" icon="globe" href="/api/v2/introduction">
        Payins, payouts, and balances in multiple currencies.
      </Card>

      <Card title="Payment Gateway 3 (v3)" icon="credit-card" href="/api/v3/introduction">
        Hosted checkout across currencies.
      </Card>

      <Card title="Card API" icon="credit-card" href="/api/card/overview">
        Issue and manage cards.
      </Card>

      <Card title="Cashback API" icon="percent" href="/api/cashback/overview">
        Create campaigns and deliver rewards.
      </Card>
    </CardGroup>
  </Tab>

  <Tab title="Run it from the Portal">
    Manage payments, payouts, balances, and campaigns without writing code.

    <CardGroup cols={3}>
      <Card title="Portal overview" icon="gauge" href="/portal/overview">
        Find your way around the Portal.
      </Card>

      <Card title="Payins" icon="arrow-down-to-line" href="/portal/payins">
        Monitor payments and handle disputes.
      </Card>

      <Card title="Payouts" icon="arrow-up-from-line" href="/portal/payouts">
        Single, batch, and scheduled payouts.
      </Card>

      <Card title="Balances" icon="scale-balanced" href="/portal/balances">
        Track available and withdrawable funds.
      </Card>

      <Card title="Cashback campaigns" icon="gift" href="/portal/cashback-campaigns">
        Set rates and watch results.
      </Card>

      <Card title="Account settings" icon="gear" href="/portal/account-settings">
        Manage users, keys, and notifications.
      </Card>
    </CardGroup>
  </Tab>
</Tabs>

## Build by use case

<CardGroup cols={3}>
  <Card title="Accept instant payments with PayID" icon="id-card" href="/developer-reference/api-use-cases/accept-instant-payments-with-aud-payid">
    Create a PayID and confirm payment in real time.
  </Card>

  <Card title="Build recurring billing with PayTo" icon="repeat" href="/developer-reference/api-use-cases/build-recurring-billing-with-payto-agreements">
    Subscriptions on PayTo agreements.
  </Card>

  <Card title="Handle multi-currency payins and payouts" icon="arrow-right-arrow-left" href="/developer-reference/api-use-cases/handle-multi-currency-payins-and-payouts">
    Collect in one currency, pay out in another.
  </Card>

  <Card title="Drive loyalty with cashback campaigns" icon="heart" href="/developer-reference/api-use-cases/drive-loyalty-with-cashback-campaigns">
    Launch a campaign through the API.
  </Card>

  <Card title="Issue and manage cards" icon="credit-card" href="/developer-reference/api-use-cases/issue-and-manage-cards">
    Create cards and control spend.
  </Card>

  <Card title="Find your industry" icon="briefcase" href="/getting-started/industry-use-cases">
    eCommerce, retail, marketplaces, travel, creators.
  </Card>
</CardGroup>

## Start building

<Steps>
  <Step title="Create a merchant account">
    Sign up for a sandbox account to test freely, or a live account for real transactions. See [Create a Merchant Account](/create-merchant-account) for both options and the full sign-up process.
  </Step>

  <Step title="Get your integration keys">
    Create a Payments Account in the Merchant Portal to generate the `app-id` and `secret-key` that authenticate every plugin connection and API call. Follow [Integration Keys](/integration-keys).
  </Step>

  <Step title="Choose how you will connect">
    Install a ready-made plugin, build directly against the API, or run everything from the Merchant Portal. [Choosing an Integration](/integrations/choosing-integration) matches your platform and business model to the right guide.
  </Step>

  <Step title="Make your first call or test payment">
    Set your authentication headers and send a request from the sandbox environment. [Authentication](/api/authentication) covers the headers, the access token the hosted gateway link needs, and how to keep your credentials safe.
  </Step>
</Steps>

<Tip>
  New to Hello Clever? Start in the sandbox. You can test your full integration there and move to production when you are ready.
</Tip>

## Understand the platform

<CardGroup cols={3}>
  <Card title="What is Hello Clever?" icon="circle-question" href="/getting-started/introduction">
    What the platform does, and why merchants choose it.
  </Card>

  <Card title="How it works" icon="diagram-project" href="/getting-started/how-it-works">
    Checkout flow and cashback campaigns.
  </Card>

  <Card title="Payment concepts" icon="money-bill-transfer" href="/platform-overview/payment-concepts/overview">
    How payments work in each country.
  </Card>

  <Card title="Clever concepts" icon="layer-group" href="/platform-overview/clever-concepts/overview">
    Accounts, balances, and money movement.
  </Card>

  <Card title="Clever AI" icon="brain" href="/clever-ai/actionable-insights">
    Insights and campaign [forecasting](/clever-ai/forecaster).
  </Card>

  <Card title="Customer experience" icon="user" href="/platform-overview/customer-guides/regular-checkout">
    Regular, express, and guest checkout.
  </Card>
</CardGroup>

### Payments by region

<CardGroup cols={3}>
  <Card title="Australia" icon="flag" href="/platform-overview/payment-concepts/npp-payid-payto">
    NPP, PayID, PayTo, BPAY, and cards.
  </Card>

  <Card title="Japan" icon="flag" href="/platform-overview/payment-concepts/jpy-payins">
    JPY payins, bank transfers, and cards.
  </Card>

  <Card title="United States" icon="flag" href="/platform-overview/payment-concepts/instant-payments">
    Instant Payments, ACH, and cards.
  </Card>

  <Card title="Other regions" icon="earth-asia" href="/platform-overview/payment-concepts/india-upi">
    India UPI and [Southeast Asia](/platform-overview/payment-concepts/southeast-asia).
  </Card>
</CardGroup>

## More resources

* [API security](/security/api-security): how requests, keys, and data are protected
* [Fraud monitoring](/security/fraud-monitoring): the controls that screen transactions
* [SOC 2 compliance](/platform-overview/compliance/soc-2-compliant): Hello Clever's compliance posture
* [KYC](/platform-overview/compliance/kyc) and [AML/CTF](/platform-overview/compliance/aml-ctf): onboarding and monitoring obligations
* [How we handle your data](/platform-overview/compliance/how-handle-data): data storage, retention, and access
* [Clever AI connectors](/clever-ai/shopify-connector): connect Shopify or [WooCommerce](/clever-ai/woocommerce-connector) data to Clever AI
* [Merchant Portal](https://merchant.helloclever.co): sign in to your live account
* [Support](https://support.helloclever.co/merchant-knowledge-base): knowledge base and contact options

<Note>
  Every path above uses the same credentials. Once your `app-id` and `secret-key` are ready, you can combine Payin, Payout, Card, Cashback, and multi-currency features in whatever mix suits your business.
</Note>


## Related topics

- [Hello Clever Platform Overview](/platform-overview/overview.md)
- [Create Your Hello Clever Merchant Account to Get Started](/create-merchant-account.md)
- [What is Hello Clever?](/getting-started/introduction.md)