PayID Savings Calculator
Card fees skim every sale.
See what you'd keep with PayID.
Card processing takes a cut of every transaction, and it scales with you. Move part of your volume to real-time PayID at 0.4% and the savings stack up fast.
Trusted by 1,000+ merchants across 22+ markets globally
Global Users
1.9m+
Merchants on Hello Clever
1,000+
Global Markets Served
22+
Payment Methods Accepted
54+
Total Value Processed
$2B+
Avg Merchant Conversion Uplift
+46%
Repeat Buyer Rate
+77%
What card fees actually cost you
Every sale, a slice disappears
On $2M a year at typical card rates, around $35,000 leaves your account before it lands. That money doesn't fund your team, your stock, or the rewards you'd actually like to run.
Plug in your numbers and see what you'd keep if you switched to PayID.
Tell us about your business
Defaults are typical card rates — edit to match your current processor.
Your current payment mix
What share of your monthly transaction volume runs on each?
See what you'd save with PayID
See how adding real-time payment options to your payment stack translates to real savings.
You could save
$0
0% saving on processing fees
This calculator provides indicative estimates only and does not constitute financial or business advice. Figures compare your current card rates against Hello Clever's PayID Pro rate (0.4%) on a percentage basis. Per-transaction fees differ by payment method (Visa, Mastercard, Amex, PayPal, international) and are not broken out here. Your actual savings will vary depending on your real payment mix and rates.
The savings are real, not theoretical
We've never seen those numbers from any other payment provider. Customers picking Hello Clever at checkout converted at around 35%, and we had zero chargebacks in the first month.
BatteryMate, CEO
After switching to real-time payments with Hello Clever
~$30,000 saved
AfterShock PC cut payment processing costs by 86% in a single year by moving off legacy card networks, and grew repeat business 18.5% in six months.
AfterShock PC case study70% lower fees
TourByMe cut transaction fees by 70% after switching to real-time payments, then reinvested the savings straight into customer rewards.
TourByMe case studyClever plans for where you are today and where you’re headed
Essentials
Everything you need to start taking payments and rewarding customers. No upfront cost, no commitment.
Sign up freePayment rates
What’s included:
- ✓Real-time PayID payments
- ✓Custom Checkout Domain
- ✓Instant Cashback Campaigns
- ✓Milestone Rewards
- ✓Loyalty Streaks
- ✓Monthly Reports
- ✓Local AU Support
Pro
Lower rates, smarter insights with Clever AI, and a dedicated team behind you. Built for merchants who are ready to move faster.
Try free for a monthPayment rates
Includes everything in Essentials, plus:
- ✓Lower payment rates
- ✓Custom PayID Domain
- ✓Payment Gateway Customisation
- ✓Co-marketing Services
- ✓Dedicated Onboarding Manager
- ✓Dedicated Support
- ✓Integration Setup
Enterprise
Processing at scale or outside of Australia? Your rates should reflect that. Talk to us and we’ll build a custom plan for you.
Contact salesPayment rates
Includes everything in Pro, plus:
- ✓Transaction rates built around your volume
- ✓Discounts across payments, loyalty and intelligence products
- ✓Local rates for every market you operate in
*Includes Clever AI whilst in beta. We may modify or remove this feature at any time. Rates shown are for Australian-domiciled merchants and exclude GST where applicable. Standard transaction fees apply per the rate tables above.
Common questions before switching
Will my customers actually use PayID?
PayID is built into every major Australian bank app, so the option is already in your customers' pockets. Most merchants see real-time payments ramp up in the first month with the right checkout placement, and we help you get that right.
What does the switch look like?
Most merchants are live in two weeks. Native integrations for Shopify, WooCommerce and Xero mean no rebuild. Our AU team does the technical lift and walks you through the customer comms.
Is there a contract or lock-in?
No long lock-in. We win business by keeping merchants happy on the platform, not by trapping them on it. Speak with the team about terms that fit your business.
Why merchants trust us with it
Award-winning innovation.
Enterprise-grade compliance.
Want to turn these savings into reality?
Our AU team will map your real payment mix and show you exactly what you'd keep.
Get my custom savings analysis