> ## 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.

# Real-time Payin Service

> Accept instant account-to-account payments in Australia via PayID, BSB/Account, and PayTo, plus APAC real-time payment rail integrations.

Hello Clever’s Real-time Payin Service gives your business fast, secure, and scalable ways to accept account-to-account payments. This page covers every supported method in Australia and the APAC region, how your accounts manage incoming funds, and the integration options available to you.

<Tabs>
  <Tab title="Australia">
    ## PayID

    PayID enables instant account-to-account payments using an identifier (such as an email address or phone number) linked directly to a bank account. Hello Clever offers two variants to match different business models.

    <CardGroup cols={2}>
      <Card title="One-Time PayID" icon="arrow-right-to-bracket">
        A single-use PayID generated per transaction. Available through both the Payment Gateway and API integrations. Ideal when you need a secure, transaction-specific identifier for precise fund tracking.
      </Card>

      <Card title="Static PayID" icon="rotate">
        A persistent, reusable PayID for businesses with frequent or recurring payments. Available via API integration only. Customers always send funds to the same destination, simplifying the payment experience.
      </Card>
    </CardGroup>

    ### Technical features

    * **Instant Transfer Protocol**: Built on Australia’s New Payments Platform (NPP), enabling real-time settlement between Australian financial institutions.
    * **Custom Domain PayIDs**: In approved cases, Hello Clever supports branded PayIDs (for example, `pay@yourbusiness.com`), helping you reinforce brand identity and making payment destinations easier for customers to remember.

    <Tip>
      A custom domain PayID (for example, `pay@yourbusiness.com`) reassures customers that funds are going directly to your official account and strengthens brand recognition across every transaction.
    </Tip>

    ***

    ## BSB/Account Payin

    For customers who prefer conventional bank transfers, Hello Clever accepts payments via BSB and account numbers. You can also request named virtual accounts to separate and track individual customer payment flows.

    ### Technical features

    * **Real-time and Direct Entry (DE) transfers**: Real-time payments process via NPP for immediate settlement. DE operates as a fallback for banks that do not support NPP, ensuring funds still reach your account securely.
    * **Automatic reconciliation**: Payment descriptions are automatically matched to incoming funds, reducing manual reconciliation work and improving accuracy.

    ***

    ## PayTo

    PayTo is an advanced NPP solution that provides a digital alternative to traditional direct debits. Customers authorise recurring or one-off payments directly from their bank account, making it well suited to subscription and recurring payment models.

    <Note>
      PayTo is available upon request. Contact Hello Clever to discuss eligibility and onboarding for your business.
    </Note>

    ### Technical features

    * **Direct authorisation and real-time processing**: PayTo authorisations are built into the NPP, enabling quick, real-time processing without manual approval steps.
    * **Automated compliance**: PayTo adheres to Australia’s regulatory standards, giving you a compliance-ready recurring payment option out of the box.

    <Note>
      PayTo agreements are particularly effective for businesses with frequent, secure recurring billing needs, such as utilities, streaming services, and subscription platforms.
    </Note>
  </Tab>

  <Tab title="APAC">
    ## Real-time Payment (RTP) Integration

    In the APAC region, Hello Clever’s single RTP connection integrates with local banking systems to support rapid, account-to-account payments across multiple countries.

    <CardGroup cols={2}>
      <Card title="API access" icon="code">
        Connect directly to Hello Clever’s RTP infrastructure through the API to initiate and track cross-border transactions without additional middleware.
      </Card>

      <Card title="Rail-specific compliance" icon="shield-check">
        Hello Clever aligns with each country’s real-time payment rail specifications, ensuring your transactions meet local requirements automatically.
      </Card>
    </CardGroup>
  </Tab>
</Tabs>

***

## Account management

All payins are credited to your [Payments Account](/platform-overview/clever-concepts/payments-accounts), with a separate balance for each currency, giving you centralised visibility and control over funds across markets.

<CardGroup cols={2}>
  <Card title="A balance per currency" icon="wallet">
    Each currency keeps its own balance. Whether you transact in AUD, SGD, or other supported currencies, incoming funds land against the correct balance automatically.
  </Card>

  <Card title="On-demand FX conversion" icon="arrow-left-right">
    Settle funds into a [Treasury Account](/platform-overview/clever-concepts/treasury-accounts) and convert between currencies at any time using real-time exchange rates, supporting international operations and cross-border payouts without delay.
  </Card>
</CardGroup>

***

## Integration options

Hello Clever’s Real-time Payin Service is available through two integration approaches.

<CardGroup cols={2}>
  <Card title="Payment Gateway" icon="browser">
    A secure, hosted interface for accepting payments on your website or app. Choose this option for a fast setup with minimal development effort.
  </Card>

  <Card title="API integration" icon="code">
    Supports advanced payment flows, giving you full control over the customer experience and the ability to automate payment processing end-to-end.
  </Card>
</CardGroup>


## Related topics

- [Card Payin Service: Accept Card Payments](/services/card-payin.md)
- [Multi-Currency FX Service](/services/multi-currency-fx.md)
- [Settlement Service: Flexible Fund Access](/services/settlement.md)