Real-time payments with PayID/PayTo
Get paid instantly* with PayID and PayTo.
Keep more of every sale.
Accept payments directly from your customer’s bank account, with funds moving instantly* with PayID/PayTo. Expect lower fees, no chargebacks, and no settlement delays. You keep more of every sale, straight away.
*subject to rail availability
Card processing charges you to wait for money you have already earned
Traditional card payments take several business days to clear. That money sits in a settlement queue while your bills, stock orders, and payroll keep moving, and card fees come out of every transaction along the way.
With PayID and PayTo, your money moves instantly*
PayTo and PayID skip the queue entirely. No card network, no settlement queue, no waiting. Every transaction moves instantly*, typically in seconds.
*subject to rail availability
Every sale costs you less
Every card payment carries a network fee you can’t negotiate away. PayTo and PayID skip that network entirely, moving money directly between bank accounts. The card fees don’t apply, so you keep more of what you earn.
Two ways to get paid in real time
Scheduled payments your customer authorises once.
No more chasing invoices or waiting on manual transfers. Once your customer authorises a PayTo agreement in their banking app, you collect each payment directly from their account on the schedule you have agreed.
Transactions move instantly* with PayTo, and unlike direct debit, there are no dishonour fees if a payment fails.
*subject to rail availability
Stop chasing remittances and start reconciling automatically.
Every order reconciles itself. Hello Clever can generate a unique reference per transaction, your customer pays to it from their banking app, and the payment matches to the right order in your dashboard without anyone touching it. No chasing remittances, no end-of-day matching, no open items to reconcile.
Reward customers the moment they pay.
Reward your customers for paying in a way that suits you better. When a payment clears, you fund instant* cashback to your customer at that exact moment. The reward lands in their account when your payment lands in yours. No separate loyalty platform or pointless points programs required.
*subject to rail availability
No card details. No chargebacks.
Real-time payments are more secure by design because PayTo and PayID pull funds from a verified bank account. No card details change hands, which means the chargebacks and fraud losses that card payments generate do not apply.
No card details collected
Your customer pays account-to-account. Card details never enter the flow.
Authentication handled by the bank
Your customer approves the payment inside their banking app. The bank runs the security. You get peace of mind.
No chargebacks
Without a card network in the middle, the dispute mechanism that generates chargebacks on card transactions do no apply. Once a payment clears, it stays clear.
Real-time payments, beyond Australia, in every market you sell in
Hello Clever supports real-time payment methods across multiple markets, including local bank transfers, instant payment rails, and real-time wallets. See every market, currency and payment method we support.
Security built in, not bolted on
Every transaction runs through Hello Clever’s payments infrastructure which is built to the highest standards in payments security, so you and your customers can transact with confidence.
PCI DSS Level 1v4.0.1
SOC 2 certified
AFS LicensedReal-time payments,
ready when you are
Everything you need to get paid faster in one integration. Connect with Hello Clever and skip the settlement queue.
FAQs
PayTo is agreement-based. You initiate each payment directly from your customer’s bank account, which typically suits recurring billing, subscriptions and any payment schedule you control. PayID is transaction-based. Hello Clever can generate a unique reference per payment and your customer sends funds to it from their bank. Both settle via the New Payments Platform (NPP).