How real-time payments enable instant cashback
Instant Cashback is only possible because Hello Clever processes payments in real time. When a customer pays, funds move immediately from their account to yours. That instant confirmation is what lets Hello Clever credit cashback to the customer’s wallet in the same moment, with no delays and no batch processing.If a customer pays by card, cashback is credited once funds settle from the issuing bank. The reward still arrives promptly, but it is tied to card settlement timelines rather than immediate NPP confirmation.
Technical flow
1
Customer initiates payment
The customer chooses a real-time payment method (for example, PayID) and enters their linked bank identifier at checkout.
2
Fund transfer to your account
The payment processes through the New Payments Platform (NPP), moving funds instantly from the customer’s account to yours.
3
Transaction verification
Once funds are confirmed in your account, Hello Clever’s system automatically initiates the cashback process.
4
Cashback calculated and split
Hello Clever calculates the cashback amount and splits it from the Payin. You do not need a separate account or manual top-up to fund the reward.
5
Cashback credited to customer's wallet
The reward appears instantly in the customer’s Hello Clever app wallet, accompanied by a confirmation notification.
Online cashback
For online merchants, cashback is triggered the moment a real-time payment clears. Customers see the reward in their Hello Clever app immediately after completing a purchase on your website or app.Payment Gateway
Accept payments and issue cashback through Hello Clever’s hosted checkout. Minimal setup, fully managed cashback processing.
API integration
Build cashback into a custom checkout flow using the Hello Clever API. Control the payment and reward experience end-to-end.
In-store cashback
Hello Clever introduced Australia’s first in-store instant cashback experience in partnership with Tyro. Customers earn rewards at physical locations simply by paying as they normally would.How it works in store
1
Customer links their payment method
The customer connects their preferred card or Apple Pay to their Hello Clever app account.
2
Customer pays at the terminal
At a participating venue, the customer taps their linked card or Apple Pay at a Tyro terminal as usual.
3
Real-time validation
Tyro’s terminal communicates instantly with Hello Clever to validate the transaction against the active cashback campaign.
4
Cashback credited instantly
The cashback amount appears in the customer’s Hello Clever app wallet immediately, with a push notification confirming the reward.
5
Data synchronised
Transaction and cashback data sync between Tyro and Hello Clever, giving you accurate reporting in the Merchant Portal.
Setting up in-store cashback
1
Confirm Tyro terminal setup
Ensure your venue uses Tyro eftpos terminals. Only Tyro hardware supports Hello Clever’s real-time in-store cashback integration.
2
Create a campaign in the portal
Log in to the Hello Clever Merchant Portal, set your cashback rate, eligibility criteria, and campaign duration.
3
Campaign syncs automatically
Hello Clever pushes campaign details to your Tyro terminals in real time. Each eligible purchase validates and processes cashback according to your campaign settings, with no manual tracking required.
Cashback funding and campaign design
Merchants fund cashback from their marketing budget. This model directs your spend toward customers who actively engage with your brand, rather than broad advertising that reaches uninterested audiences.Customising your campaigns
Hello Clever gives you precise control over how cashback campaigns are structured:Tailored cashback rates
Set different cashback amounts per product or service category, giving greater rewards where they matter most.
Purchase thresholds
Require a minimum spend to unlock cashback, encouraging higher transaction values.
Flexible timing
Schedule campaigns around seasons, events, or promotional windows to generate urgency and drive engagement at the right moments.
Consumer app visibility
Your cashback offers appear in Hello Clever’s app (used by over 100,000 active Australian consumers) in Featured, Trending, and Category sections.