Supported payment methods
Hello Clever’s Card Payin Service accepts payments from the following methods:Visa and Mastercard
Accept the world’s most widely used card schemes. Customers can pay using physical cards or card details saved in their browser or device.
Apple Pay and Google Pay
Offer contactless, one-tap checkout on mobile and desktop. Digital wallets reduce friction at checkout and increase conversion rates for mobile shoppers.
Security and compliance
Every card transaction on Hello Clever’s infrastructure is protected by enterprise-grade security controls.Tokenisation and encryption
Card data is tokenised at the point of capture and transmitted using robust encryption, ensuring sensitive payment details are never exposed in plain text.
PCI DSS Level 1 certified
Hello Clever is certified to PCI DSS Level 1, the highest level of the card industry’s security standard, for the secure storage and transmission of cardholder data.
Fraud detection
Real-time fraud detection protocols monitor transactions as they occur, alerting you to suspicious activity and minimising financial risk.
Digital wallet security
Apple Pay and Google Pay use device-level authentication and tokenisation, adding an additional layer of security on top of Hello Clever’s own controls.
Settlement and surcharge options
Hello Clever gives you flexibility in how card transactions settle and how you manage the cost of acceptance.Settlement
Card payins settle within industry-standard timeframes, ensuring predictable cash flow for your operations. All settled funds are credited to your Payments Account, giving you a centralised view of available balances.Surcharging
You can configure a surcharge on card payments to pass transaction fees on to customers when required. Surcharge settings are managed directly from the Hello Clever Merchant Portal without any code changes.Surcharges must comply with applicable Australian regulations, including the Reserve Bank of Australia’s surcharging standards. Configure your surcharge to reflect the actual cost of acceptance, not a margin above it.
Account management
All card payins are credited to your Payments Account, centralising your funds for streamlined access and management.A balance per currency
For businesses operating across multiple regions, your Payments Account keeps a separate balance per currency. Incoming card payments are credited to the correct balance automatically.
Automatic reconciliation
Transactions are reconciled automatically within your Payments Account, reducing manual accounting tasks and making reporting straightforward.
Integration options
Hello Clever’s Card Payin Service connects to your platform through two integration paths.- Payment Gateway
- API integration
Hello Clever’s secure, hosted checkout is the fastest way to start accepting card payments online. You embed the payment page or redirect customers to it, and Hello Clever handles card data capture, tokenisation, and processing on your behalf.Best for: online stores and platforms seeking a quick, compliant setup without managing card data directly.