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Instant Cashback with Hello Clever

Hello Clever is the first payment provider to enable instant cashback using real-time payment technology, creating a unique and effective way for merchants to reward customers immediately at checkout. More than just a payment rail, Hello Clever partners with businesses to drive adoption, leveraging instant cashback as a tool for growth, loyalty, and brand engagement.

How Real-Time Payments Enable Instant Cashback​

Hello Clever’s Instant Cashback feature is built on the infrastructure of real-time payments, allowing for immediate fund verification and secure cashback rewards directly at checkout. When a customer completes a purchase, real-time payments ensure that the funds are transferred instantly from the customer’s account to the merchant’s account. This immediate fund confirmation allows Hello Clever to process cashback rewards instantly, creating a seamless and satisfying experience for both customers and merchants.

💡 Did You Know?

Using real-time payments ensures fast, secure fund movement, enhancing customer satisfaction and ensuring that cashback rewards are processed immediately.

The Technical Flow of Instant Cashback​

  1. Customer Initiates Payment: When the customer chooses to pay via a real-time payment method (e.g., PayID), they enter their PayID or another identifier linked to their bank account.
  2. Fund Transfer to Merchant’s Account: The payment processes through the New Payments Platform (NPP), moving funds instantly from the customer’s account to the merchant’s.
  3. Transaction Verification: Once the funds are confirmed in the merchant’s account, Hello Clever’s system automatically initiates the cashback process.
  4. Splitting the Cashback from PayIn: Hello Clever calculates and splits the cashback amount from the PayIn, making it easy for merchants to manage without needing separate accounts.
  5. Instant Cashback to Customer’s Wallet: Hello Clever credits the cashback reward to the customer’s wallet in the Hello Clever app, viewable instantly.

Note: If the payment is made using a card, the cashback is credited once funds settle from the issuing bank, ensuring timely rewards for customers even if the card payment does not process instantly.

Cashback Sources​

Typically, merchants fund the cashback as part of their marketing budget. This model allows businesses to reward customers actively supporting their brand, fostering loyalty and driving repeat purchases.

For businesses, this cashback approach turns marketing dollars into direct customer rewards, reducing broad advertising expenses and focusing on customers who actively engage with the brand. By allocating cashback directly through Hello Clever, merchants enjoy higher customer retention without the hassle of managing separate accounts or top-ups.

Smarter Cashback Campaigns for Maximum Impact​

With Hello Clever, businesses can design targeted cashback campaigns that reward customers for direct engagement, maximising budget efficiency and return on investment.

Customised Cashback Campaigns​

Hello Clever’s cashback system enables merchants to craft personalised reward structures:

  • Tailored Cashback Rates: Set varying cashback amounts for different products or services, providing greater rewards for key items.
  • Purchase Thresholds: Establish minimum purchase requirements for cashback, promoting higher transaction values.
  • Flexible Campaign Timing: Schedule campaigns for specific seasons or events, generating excitement and encouraging engagement.

These targeted campaigns provide more meaningful rewards, incentivising repeat purchases and enhancing customer loyalty.

Growing Brand Visibility with Our Consumer App​

With over 100,000 active app users in Australia, Hello Clever offers a dynamic channel for merchants to increase brand visibility. Our consumer app serves as an ideal platform for customers actively seeking cashback offers and rewards, making it easier for businesses to capture attention and drive engagement.

Benefits of Hello Clever’s Consumer App​

  • High Visibility: Cashback offers are featured in the app, attracting a customer base actively looking for rewards.
  • Brand Recognition: Each interaction within the app strengthens brand familiarity.
  • Consumer-Driven Growth: Instant cashback through Hello Clever’s widely-used app attracts new customers motivated by reward value.

Our app helps merchants connect directly with consumers who value cashback, creating a rewarding, customer-centered experience that drives brand loyalty.

Pro Tip

Merchants can leverage Hello Clever’s user base to boost brand visibility through targeted cashback campaigns. This approach brings your brand into focus within a highly engaged, rewards-oriented community.

Hello Clever’s Instant Cashback feature, powered by real-time payments, provides businesses with an innovative way to drive sales and enhance customer loyalty. As the first provider of instant cashback, we collaborate closely with merchants to build successful, engaging cashback campaigns.