> ## 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.

# Card Payin Service: Accept Card Payments

> Accept Visa, Mastercard, Apple Pay, and Google Pay with tokenisation, PCI DSS Level 1 certified security, configurable surcharges, and Payments Account settlement.

Hello Clever’s Card Payin Service lets you accept card payments from customers through a secure, versatile infrastructure that supports major card schemes and digital wallets. This page covers supported payment methods, security and compliance features, settlement and surcharge options, account management, and integration choices.

***

## Supported payment methods

Hello Clever’s Card Payin Service accepts payments from the following methods:

<CardGroup cols={2}>
  <Card title="Visa and Mastercard" icon="credit-card">
    Accept the world’s most widely used card schemes. Customers can pay using physical cards or card details saved in their browser or device.
  </Card>

  <Card title="Apple Pay and Google Pay" icon="mobile-screen">
    Offer contactless, one-tap checkout on mobile and desktop. Digital wallets reduce friction at checkout and increase conversion rates for mobile shoppers.
  </Card>
</CardGroup>

<Tip>
  Enabling Apple Pay and Google Pay opens your checkout to the growing segment of customers who prefer mobile payments, delivering a faster experience that reduces cart abandonment.
</Tip>

***

## Security and compliance

Every card transaction on Hello Clever’s infrastructure is protected by enterprise-grade security controls.

<CardGroup cols={2}>
  <Card title="Tokenisation and encryption" icon="lock">
    Card data is tokenised at the point of capture and transmitted using robust encryption, ensuring sensitive payment details are never exposed in plain text.
  </Card>

  <Card title="PCI DSS Level 1 certified" icon="shield-check">
    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.
  </Card>

  <Card title="Fraud detection" icon="triangle-exclamation">
    Real-time fraud detection protocols monitor transactions as they occur, alerting you to suspicious activity and minimising financial risk.
  </Card>

  <Card title="Digital wallet security" icon="mobile-screen">
    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.
  </Card>
</CardGroup>

***

## 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.

<Note>
  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.
</Note>

***

## Account management

All card payins are credited to your [Payments Account](/platform-overview/clever-concepts/payments-accounts), centralising your funds for streamlined access and management.

<CardGroup cols={2}>
  <Card title="A balance per currency" icon="coins">
    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.
  </Card>

  <Card title="Automatic reconciliation" icon="list-check">
    Transactions are reconciled automatically within your Payments Account, reducing manual accounting tasks and making reporting straightforward.
  </Card>
</CardGroup>

***

## Integration options

Hello Clever’s Card Payin Service connects to your platform through two integration paths.

<Tabs>
  <Tab title="Payment Gateway">
    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.
  </Tab>

  <Tab title="API integration">
    The Hello Clever API gives you full control over the payment flow. You can build a fully custom checkout, trigger transactions programmatically, and integrate payment data directly into your internal systems.

    **Best for:** businesses with specific UX requirements or complex payment orchestration needs.
  </Tab>
</Tabs>


## Related topics

- [Issue and Manage Card Payments](/developer-reference/api-use-cases/issue-and-manage-cards.md)
- [Real-time Payin Service](/services/real-time-payin.md)
- [Card Payment API Overview](/api/card/overview.md)