For growing businesses

Built for where you are.
Ready for where you’re going.

The right tools should not be out of reach for a growing business. Hello Clever gives you payments, loyalty, and Clever AI in one platform, from your first sale to your next stage of growth.

A small business owner smiling while working on a laptop in a stockroom filled with shipping boxesA transactions table showing payment statuses, methods, dates and amountsA transaction detail card for order #24432, reconciled automaticallyAn available balance card showing $123,320.00PayID badge

Your payment stack is costing you more than just fees

Card fees that compound, tools that don't talk to each other, and no clear picture of what to do next. For growing businesses, the infrastructure that should be helping often isn't. Hello Clever is the one platform that brings it all together so you can focus on growing.

Payment Gateway 3

One unified checkout. Every market you sell in.

Growing into new markets gets complicated when your payment stack does not travel with you. Payment Gateway 3 runs local currencies, local payment methods, and compliant settlement through one integration. Your checkout adapts to each customer’s location automatically, surfacing the right payment options wherever they are. Start with a hosted payment link in minutes, or embed the checkout directly into your site.

A globe showing Hello Clever's supported currencies and an Australia payment methods card
Australia

Payment methods

Local payment methods
Real-time payments

Get paid instantly via PayID and PayTo, and keep more of every sale

Accept payments directly from your customers’ bank accounts, with funds settling instantly via PayID and PayTo. No card network fees, no chargeback risk on PayID and PayTo transactions.

For a small business, that means you could gain more margin on every transaction and more flexible cashflow when you need it.

A checkout paying with PayID, then a payment received confirmation with $5.35 instant cashback
Currencies and local payment methods

Give your customers the payment methods they actually want

From real-time bank transfers to local wallets and global cards, Hello Clever supports 54+ payment methods across 25+ currencies. See every option available in the markets you sell in.

A checkout's payment method list showing DuitNow, FPX, GrabPay, Boost, ShopeePay and Touch'n Go
Clever AI

Turn every transaction into insights you can act on

Most small businesses have data sitting across multiple sources with no clear picture of what it means or what to do next. Clever AI reads every transaction as it happens, surfaces what is working, flags what is not, and tells you what to do next whilst there’s still time to act. No data analyst needed, no reports to pull.

A Clever AI insight showing payment accounts with cashback campaigns convert 34% better, with a Create Cashback Campaign action
Agentic Commerce

Be the answer when a shopper asks AI what to buy

More shoppers are turning to ChatGPT and Claude to decide what to buy before they ever reach a search page. Clever Shop puts your products inside those conversations. When a shopper asks for a recommendation, your product is the answer. Connect your store once, and your catalogue syncs automatically with no ongoing input required.

A ChatGPT conversation recommending Hello Clever merchant products for candles
Instant Cashback and Loyalty

Reward customers the moment they pay and watch them come back

For a small business, every customer you win is worth keeping. Rewards that arrive instantly do more to build that habit than points that take weeks to accumulate. Instant cashback lands in your customer’s account the moment their payment lands in yours.

Milestone Rewards adds a goal on top: set a target and every purchase automatically moves customers closer to it, giving your customers a strong reason to come back.

Pricing built for
growing businesses

Hello Clever has plans designed for small and medium businesses at every stage of growth, from getting started to scaling fast. See what is included and find the right fit for yours.

A preview of Hello Clever's Essentials, Pro and Custom pricing plans

Secure by default at every layer

PCI DSS Level 1PCI DSS Level 1v4.0.1
SOC 2SOC 2 certified
ASIC / AFSLAFS Licensed

Your next stage of growth starts here

Join thousands of small and medium businesses using Hello Clever to take smarter payments, reward customers, and grow their business.