Hello Clever
“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.