Skip to main content

How It Works

Hello Clever provides a seamless, rewarding, and efficient checkout experience for both customers and businesses. By combining instant cashback with a real-time payment mechanism that supports both bank accounts and cards, Hello Clever delivers maximum flexibility and convenience. Here’s an in-depth look at how it all works.

Simple Instant Cashback Process for Customers​

Earning cashback with Hello Clever is incredibly easy for customers. Here’s how the process unfolds, step by step:

  1. Select Hello Clever at Checkout: When customers reach the checkout, they simply choose Hello Clever as their payment method. This option is available on various platforms, integrated directly with existing payment systems.

  2. Complete Payment: Customers can pay from their bank using a unique identifier generated specifically for the transaction. In Australia, this identifier is a PayID. We also offer a card payment option; however, cashback will only arrive once the card payment settles.

  3. Instant Cashback Reward: Immediately after the payment is confirmed and the funds reach us, customers receive their cashback reward directly to their Hello Clever account. They can choose to withdraw the cashback to their bank account or use it toward their next purchase, making it a flexible reward option.

Tangible Value at Checkout

This instant reward mechanism transforms the checkout process into a gratifying experience, with cashback returned to customers on the spot.

Real-Time Payment Mechanism for Instant and Secure Transactions​

Hello Clever’s real-time payment system ensures that funds are transferred instantly from the customer to the business, creating a frictionless payment experience that supports both bank account transfers and card payments. This dual payment option maximises conversion rates by catering to different customer preferences.

Real-Time Payment Flow​

  1. Immediate Payment Processing: As soon as the customer confirms their payment, Hello Clever’s system processes the transaction instantly, transferring funds from the customer’s bank or card to the business’s account in real time. This means businesses receive their payments immediately, rather than waiting for days.

  2. Real-Time Confirmation: Both the customer and business receive an instant notification confirming that the payment has been completed successfully. This transparency offers peace of mind and reduces the chances of payment disputes or chargebacks.

  3. Flexibility for Maximum Conversion: By offering both real-time and card payment options, Hello Clever optimises the checkout experience, ensuring that customers have a choice. This flexibility boosts conversion rates as customers can select their preferred payment method, whether it’s directly from their bank or using their credit or debit card.

  4. Advanced Security Protocols: Every transaction on Hello Clever is secured with end-to-end encryption and multi-factor authentication to protect sensitive customer data. These layers of security reduce fraud risk, building trust in the system and ensuring that each transaction is handled securely.

Business Impact

This mechanism allows for instantaneous and secure fund transfer, offering businesses improved cash flow and a frictionless experience that keeps customers satisfied.

Flexible Cashback Campaigns for Businesses​

Hello Clever gives businesses the freedom to create custom cashback campaigns that align with their business goals, helping to drive customer engagement and increase sales. This flexibility makes it possible to design campaigns that fit different needs, from limited-time promotions to ongoing rewards for loyal customers.

How Cashback Campaigns Work​

  1. Define Cashback Parameters: Businesses can set cashback parameters according to their objectives. They can choose a percentage-based cashback (e.g., 5% of the total transaction) or a fixed amount (e.g., $10 cashback on orders over a certain amount). This flexibility allows businesses to target specific purchasing behaviours and customer demographics.

  2. Set Campaign Duration and Frequency: Hello Clever allows businesses to define the length and frequency of each cashback campaign. They can run seasonal promotions, daily cashback offers, or even single-day events to boost engagement. This adaptability makes it easy for businesses to respond to seasonal trends, promotional events, or customer preferences.

  3. Automated Cashback Distribution: When a customer completes a qualifying transaction, the cashback amount is automatically distributed, with no manual intervention needed. For bank transactions, this is processed instantly, while card payments may apply cashback once the payment settles. This automation reduces the operational load on businesses, allowing them to focus on strategy rather than campaign execution.

  4. Real-Time Analytics for Campaign Optimisation: Businesses can monitor the performance of their cashback campaigns in real time. By accessing data on transaction volume, average cart value, and customer demographics, they can adjust cashback rates, refine targeting, and optimise campaign strategies for better results.

Test and Refine

With this flexibility, businesses can design and test different cashback incentives to find the most effective strategies for boosting sales and retaining customers.

Key Benefits of Using Hello Clever​

Hello Clever’s platform provides significant advantages to both customers and businesses, from increased customer retention and higher cart values to automatic reconciliation and instant settlement. Here’s how Hello Clever delivers these benefits:

1. Increased Customer Retention​

Instant Cashback provides customers with an immediate reward for their purchases, enhancing the customer experience and fostering loyalty. By delivering cashback instantly, customers feel valued and are more likely to return for future purchases, helping businesses build lasting customer relationships.

2. Higher Cart Value​

With targeted cashback campaigns, businesses can incentivise customers to spend more by offering rewards on higher purchases. Customers are encouraged to increase their cart value to maximise their cashback, directly driving higher average order values and revenue growth.

3. Automatic Reconciliation​

Hello Clever’s real-time payment system ensures that each transaction is automatically reconciled, reducing the need for manual tracking and reporting. This automated reconciliation simplifies the financial management process, saving time and minimising the chance of human error.

4. Instant Settlement for Improved Cash Flow​

With funds settled immediately upon transaction completion, businesses gain immediate access to revenue, improving cash flow and financial flexibility. Instant settlement eliminates the typical delays associated with payment processing, allowing businesses to reinvest or utilise their funds without waiting.