> ## 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.

# Overview

> Understand the payment methods Hello Clever supports (real-time bank payments, recurring payments, and cards) across Australia, Japan, the United States, and beyond.

Payments work differently from one country to the next. The bank payment systems, the recurring-payment methods, and the card schemes a customer expects all depend on where they are. This section explains the concepts behind each method Hello Clever supports, so you can choose the right one for your customers and understand what happens behind the scenes.

The section is organised in two layers. First come the **fundamentals** that apply everywhere, the ideas you can carry from one market to the next. After that, each market (**Australia**, **Japan**, and the **United States**) has its own pages covering local bank payments, recurring payments, and card schemes. A short comparative reference covers a few **other regions**, and a final group explains **multi-currency and cross-border** payments that span markets.

<Note>
  These pages explain the concepts. When you are ready to build, head to the [API Reference](/api/overview) and the [integration guides](/integrations/choosing-integration), which show you how to put each concept into practice with Hello Clever.
</Note>

***

## Start with the fundamentals

<CardGroup cols={2}>
  <Card title="Real-time A2A payments in depth" icon="bolt" href="/platform-overview/payment-concepts/real-time-a2a">
    How account-to-account payments move money directly between banks in seconds.
  </Card>

  <Card title="Real-time payments vs. card payments" icon="scale-balanced" href="/platform-overview/payment-concepts/rtp-vs-cards">
    How bank payments and card payments differ in speed, cost, and disputes.
  </Card>

  <Card title="Push vs. pull payments" icon="arrows-left-right" href="/platform-overview/payment-concepts/push-vs-pull">
    The difference between a customer sending money and a business collecting it.
  </Card>

  <Card title="How card payments work" icon="credit-card" href="/platform-overview/payment-concepts/how-cards-work">
    The steps a card payment goes through: authorization, capture, and settlement.
  </Card>
</CardGroup>

***

## Explore by market

<CardGroup cols={3}>
  <Card title="Australia" icon="flag" href="/platform-overview/payment-concepts/npp-payid-payto">
    Real-time payments on the NPP, PayID and PayTo, and Australian card schemes.
  </Card>

  <Card title="Japan" icon="flag" href="/platform-overview/payment-concepts/bank-transfers">
    Zengin bank transfers, the More Time System, account transfer, and JCB.
  </Card>

  <Card title="United States" icon="flag" href="/platform-overview/payment-concepts/instant-payments">
    FedNow and RTP instant payments, ACH transfers, and US card schemes.
  </Card>

  <Card title="Other regions" icon="globe" href="/platform-overview/payment-concepts/india-upi">
    A comparative look at UPI in India and real-time payment systems across Southeast Asia.
  </Card>

  <Card title="Multi-currency and cross-border" icon="money-bill-transfer" href="/platform-overview/payment-concepts/multi-currency-payins-payouts">
    Handling AUD, JPY, and USD payins and payouts, and how FX and settlement work.
  </Card>
</CardGroup>


## Related topics

- [Express Checkout](/platform-overview/customer-guides/express-checkout.md)
- [Guest Checkout](/platform-overview/customer-guides/guest-checkout.md)
- [Regular Checkout](/platform-overview/customer-guides/regular-checkout.md)