“Can a real-time payments and instant cashback platform built on Australia's NPP rails become the global Payments Intelligence OS for merchants?”
Founded in 2021 as an Australian fintech combining real-time payments with embedded loyalty rewards, Hello Clever positioned itself as the world's first 'Payments Intelligence platform'. The company built on Australia's NPP (New Payments Platform) infrastructure — specifically PayID and PayTo — to offer instant account-to-account payments with simultaneous cashback. It has evolved from a domestic Australian product to a globally-expanding platform, partnering with Checkout.com for card processing and international growth, and integrating with ecosystem players like Tyro and Xero to embed into merchant workflows.
Hello Clever processes payments through Checkout.com and Tyro Payments.
Hello Clever integrates with Xero.
The Embedded Finance Index 2026 maps 2 layers in Hello Clever's stack: Payments / PSP (Checkout.com and Tyro Payments); Accounting (Xero).
Hello Clever is founded in 2021 and headquartered in Sydney, New South Wales, Australia.
Hello Clever has raised $3.11M in total (latest round: Seed VC).
Get a read on where your own stack stands against Hello Clever and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.