> ## 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.

# Settlement Service: Flexible Fund Access

> Hello Clever’s Settlement Service offers instant, end-of-day, and on-demand fund access via Payments Accounts, cross-border settlement, and rolling reserves.

Hello Clever’s Settlement Service provides flexible, efficient fund access for merchants in Australia, across APAC, and for cross-border operations. Your [Payments Account](/platform-overview/clever-concepts/payments-accounts) balance tracks incoming and pending funds in real time, giving you full visibility into your financial position at all times.

## Payments Account balances

Every Hello Clever merchant account records all incoming payments against a **Payments Account** as soon as they are initiated.

* **Real-time tracking**: Transactions from all payment methods (PayID, PayTo, BSB/Account, card) appear against your Payments Account immediately, with pending card payments marked until cleared.
* **Transaction status updates**: The system shows when funds are cleared and available for settlement, so you always know what’s withdrawable.

<Info>
  Payments Account balances give you a live view of your financial position, enabling better cash flow decisions without waiting for end-of-day reports.
</Info>

## Settlement options in Australia

Hello Clever offers three settlement modes for Australian merchants:

| Settlement Mode        | Description                                                                                                           | Best For                                     |
| ---------------------- | --------------------------------------------------------------------------------------------------------------------- | -------------------------------------------- |
| **Instant Settlement** | Funds transferred immediately via NPP upon availability                                                               | Retail, e-commerce needing fast cash flow    |
| **End-of-Day (EoD)**   | Daily transactions consolidated into one transfer at the end of each day, in the time zone configured on your account | Businesses preferring batch processing       |
| **On-Demand**          | Initiate a settlement from your Payments Account at any time                                                          | Peak periods or custom fund access schedules |

<Tip>
  Instant Settlement is available for eligible merchants. Contact Hello Clever to discuss whether your account qualifies.
</Tip>

<Note>
  Choose between **End of day** and **On-demand** yourself on the [Settlement Management](/portal/balances#settlement-management) page, which also sets where settled funds are sent. Even on the End of day schedule, you can still request a settlement manually at any time.
</Note>

## Settlement in APAC

Hello Clever’s APAC settlement aligns with each country’s payment rail requirements:

* **Rail-specific compliance**: Settlements use each region’s local infrastructure (batch or instant) to meet local regulations.
* **Interoperability**: The system integrates seamlessly across APAC regions while maintaining jurisdictional compliance.

## Cross-border settlement

For international operations, Hello Clever batches cross-border transactions to minimise costs and manages FX in real time:

* **Batch processing**: Cross-border transactions are grouped to reduce per-transaction fees.
* **FX and liquidity management**: Real-time exchange rates and liquidity monitoring ensure optimal conversion and timely fund availability.
* **Compliance**: All cross-border settlements comply with AML and CTF regulations across relevant jurisdictions.

## Rolling reserve for instant refunds

Hello Clever maintains a **rolling reserve** to fund instant refunds without impacting your main Payments Account balance:

* **Reserve allocation**: The reserve is sized based on your expected transaction volume and refund rate.
* **Automatic processing**: Refunds are drawn from the rolling reserve automatically, reducing refund delays and improving customer satisfaction.

## Integration options

You can manage settlements through the **Merchant Portal** or via the **API**:

<CardGroup cols={2}>
  <Card title="Merchant Portal" icon="chart-line" href="/portal/balances">
    View your Payments Account balance, initiate on-demand settlements, and monitor transaction status from the dashboard.
  </Card>

  <Card title="API Integration" icon="code" href="/api/balance/get-balance-details">
    Automate settlements, retrieve balance details, and integrate real-time fund tracking into your internal accounting systems.
  </Card>
</CardGroup>


## Related topics

- [FX and Settlement Across AU, JPN, and USA](/platform-overview/payment-concepts/fx-and-settlement.md)
- [Multi-Currency FX Service](/services/multi-currency-fx.md)
- [Payout Service: Send Funds to Recipients](/services/payout.md)