> ## 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.

# PayID for C2B Payments

> How PayID enables real-time consumer-to-business payments, how it compares with BSB transfers and BPAY, and what custom domain PayIDs offer businesses.

PayID lets your customers pay your business using a simple identifier (a mobile number, email address, or branded domain) instead of a BSB and account number. Consumer-to-business (C2B) PayID is the variant Hello Clever provisions for merchants, and it connects to automatic reconciliation so you can match incoming payments to invoices without manual work.

<Note>
  The full C2B PayID guide (including the personal vs. C2B comparison, the step-by-step payment flow, the PayID vs. bank transfer vs. BPAY comparison, and custom domain PayIDs) already lives on the site. This page is the Australia-section entry point for that content.
</Note>

## What C2B PayID gives your business

<CardGroup cols={2}>
  <Card title="Instant settlement" icon="bolt">
    Payments clear in real time over the NPP, so the money is in your account the moment the customer confirms.
  </Card>

  <Card title="Automatic reconciliation" icon="list-check">
    Hello Clever matches incoming PayID payments to your invoices automatically, giving you a real-time view of what has settled.
  </Card>

  <Card title="Minimal chargebacks" icon="shield-halved">
    PayID payments are final once processed, so there is no chargeback mechanism to erode your revenue.
  </Card>

  <Card title="Lower payment costs" icon="circle-dollar-to-slot">
    Routing bank-to-bank over the NPP avoids card interchange and acquirer fees.
  </Card>
</CardGroup>

## Related pages

<CardGroup cols={2}>
  <Card title="Full C2B PayID guide" icon="book-open" href="/platform-overview/payment-concepts/payid-c2b">
    The complete walkthrough of consumer-to-business PayID on Hello Clever.
  </Card>

  <Card title="PayID vs. bank transfers vs. BPAY" icon="scale-balanced" href="/platform-overview/payment-concepts/payid-bank-transfers-bpay">
    Compare the main ways Australian customers pay into a bank account.
  </Card>
</CardGroup>


## Related topics

- [What NPP, PayID, and PayTo Are](/platform-overview/payment-concepts/npp-payid-payto.md)
- [PayID, Bank Transfers, and BPAY](/platform-overview/payment-concepts/payid-bank-transfers-bpay.md)
- [Accept Instant Payments with AUD PayID](/developer-reference/api-use-cases/accept-instant-payments-with-aud-payid.md)