About us

It pays to be clever

The Hello Clever team at the Elevate by Hello Clever event

Payments

Loyalty

Most payment infrastructure was built to move money. Hello Clever was built on the belief that payments should do a lot more turning every transaction into a reason for shoppers to come back. We reward loyalty, drive repeat revenue, and make smarter payments simple across 20+ markets.

2021

Founded in

$5B

Total value processed

25+

Markets served

100+

Clever humans

Offices globally

Our story

From a Sydney start-up to a global growth platform

Founded

2021

Caroline Tran and Gavin Nguyen start Hello Clever in Sydney, with one idea. Payments should do more than move money. Everyone should be “clever” with their money.

First in market

2022

$4.5M seed round closes. Hello Clever runs Australia's first consumer-to-business PayTo transaction and pioneers the "Buy-to-Earn" category.

Award-winning

2023

Hello Clever wins Emerging Fintech Organisation of the Year at the Finnies. Caroline Tran wins the Women Leading Tech Award, presented by Atlassian.

Hyper-growth

2024

2,300% compound growth. #2 on the AFR Fast Starters list, making Hello Clever Australia's second-fastest growing startup that year. Also named in the Forbes Asia 100 to Watch.

Tyro Payments partnership brings Instant Cashback to 70,000 physical terminals.

Going global

2025

Back on the AFR Fast Starters list (Top 10) for the second year. Named to Inc. Magazine's Best in Business list.

Hello Clever opens hubs in New York, Tokyo, Singapore and Vietnam.

Clever AI launches. AFSL secured. Direct Visa and Mastercard PayFac status achieved.

Now

2026

Hello Clever became AI-native in 2026, building the intelligence layer that powers the next generation of global commerce.

Founded

2021

Caroline Tran and Gavin Nguyen start Hello Clever in Sydney, with one idea. Payments should do more than move money. Everyone should be “clever” with their money.

First in market

2022

$4.5M seed round closes. Hello Clever runs Australia's first consumer-to-business PayTo transaction and pioneers the "Buy-to-Earn" category.

Award-winning

2023

Hello Clever wins Emerging Fintech Organisation of the Year at the Finnies. Caroline Tran wins the Women Leading Tech Award, presented by Atlassian.

Hyper-growth

2024

2,300% compound growth. #2 on the AFR Fast Starters list, making Hello Clever Australia's second-fastest growing startup that year. Also named in the Forbes Asia 100 to Watch.

Tyro Payments partnership brings Instant Cashback to 70,000 physical terminals.

Going global

2025

Back on the AFR Fast Starters list (Top 10) for the second year. Named to Inc. Magazine's Best in Business list.

Hello Clever opens hubs in New York, Tokyo, Singapore and Vietnam.

Clever AI launches. AFSL secured. Direct Visa and Mastercard PayFac status achieved.

Now

2026

Hello Clever became AI-native in 2026, building the intelligence layer that powers the next generation of global commerce.

Ask AI

Ask AI about Hello Clever

Award-winning but still just getting started

Made down under.
Built for everywhere.

100+

Clever humans

Offices

Continents

One belief: payments should work better everywhere. Payments don't stop at borders, and neither do we.

New York

Tokyo

Ho Chi Minh

Singapore

Sydney - HQ

Our locations

Our offices

Sydney

12/121 Castlereagh St,
Sydney NSW 2000, Australia

Tokyo

Office 508, H1O Shibuya Jinnan, 1-5-6 Jinnan, Shibuya, Tokyo, Japan

Singapore

12 Marina View, Levels, #11 and 10 Asia Square Tower 2, Singapore 018961

New York

119 W 24th St 4th floor,
New York, NY 10011

Ho Chi Minh

UOA Tower, 06 Tan Trao,
Tan My, Ho Chi Minh 70000

Our values

This is what Clever looks like

Careers

Come build the
next chapter

We're builders, thinkers, and problem solvers spread across five offices on three continents. What we're building is bold, global, and still just getting started. If you take ownership, back your team, and want your work to actually matter, come help us build what's next.

Work with us