Real-Time Recurring Payments

with Instant Cashback

With PayTo, businesses can accelerate cashflow and receive funds instantly, by intitiating one-time, ad-hoc or recurring payments directly from their customers' bank accounts.



payments are here

Transform your payment process with PayTo for secure, real-time payments, initiated directly from your customers' bank accounts. With funds settled in seconds, not days, 24/7, PayTo reduces delays, errors and fees associated with traditional payment methods.

And with Hello Clever, you can enhance your customer experience by offering instant cashback rewards. Every time your customer pays you, you have the option to offer instant cashback - a clever way to increase customer loyalty and drive real-time payments.


Reduce Fraud

Customers consent to a PayTo agreement directly from within their banking app. This reduces the likelihood of fraud and eliminates errors.


No More Manual Reconciliation

PayTo payments can be immediately reconciled without extra remittance information, making te process smoother, straightforward and accurate.


Keep Track of Payments

Gain a real time view of all payment information, including when changes are made to payment agreements.


Eliminate dishonour fees

There is no charge to you if a customer has insufficient funds at the time of a payment. Instead, we'll promptly notify you so you can take faster action and avoid delays.


Account-to-account payments in real-time

Recurring payments

For fixed or variable recurring payments, such as billers, subscriptions, loan providers and card-on-file.

One-off & adhoc payments

PayTo is an ideal solution for e-commerce stores and businesses that require online one-off or ad hoc payments.

Instant customer authorisation

Eliminate uncertainty and enhance payment security with PayTo. Customers securely consent to their PayTo agreements directly from within their online or mobile banking app.

Take PayTo to the next level with Hello Clever



Boost customer retention with instant cashback

Hello Clever's PayTo solution provides customers with the added incentive of instant cashback rewards. This encourages real-time payment and serves as a powerful retention and loyalty tool that incentivises repeat business, whether it's a one-time purchase or a recurring payment.



An easy migration for existing direct debit customers

Switching to PayTo is easy. You can migrate your current direct debit customers without requiring their re-approval, saving you valuable time and resources. Businesses can streamline their payment process and ensure a smooth transition for their customers.

A more efficient alternative to direct debit

Fast and Secure

Create a PayTo payment agreement with your customer in seconds, compared to the traditional slow, manual process of direct debit.

Instant settlement

With PayTo, enjoy real-time payment processing 24/7, with immediate confirmation of payment outcomes, instead of waiting three to five business days.

A solution for all use cases


Bill Payments








One-off purchases

Case study


Learn how Australian Telco company, Launtel, partnered with HelloClever to provide a real-time payment solution, that makes internet billing faster and more efficient with PayTo.


PayTo is the clever way to do business

Ready to transform your payment processing and keep up with the pace of the real-time economy? Discover Hello Clever's PayTo solution by speaking to one of our team members today.