--- title: "Qualy vs Hello Clever - Business Payments Comparison" description: "Compare Qualy and Hello Clever for real-time payments, payment plans, reconciliation, customer portals, partner payouts, accounting, and merchant workflows." lastModified: "2026-08-27" lang: "en" wordCount: 1015 url: https://qualyhq.com/compare/hello-clever --- ## Site navigation - [For schools](/international-education/for-schools.md) — For international education schools - [For agents](/international-education/for-education-agents.md) — For international education agents - [Explore](/training.md) — Watch videos on how to use Qualy - [About](/about.md) — Learn about Qualy's mission and values - [Pricing](/pricing) - [5-min demo](/demo.md) - [Login](https://dashboard.qualyhq.com) # Qualy vs Hello Clever - Business Payments Comparison > Compare Qualy and Hello Clever for real-time payments, payment plans, reconciliation, customer portals, partner payouts, accounting, and merchant workflows. ## Switching is painless. We made sure of it. ### Promises - **Free and unlimited migration support:** Our team builds your migration plan, imports your data, and walks you through every step. You can go live without interrupting collections. - **No lock-in contracts:** No exit fees or minimum terms. We earn your business every month. - **Keep the tools that already work:** Qualy can sit alongside your current checkout and business systems. Change the payment operation without rebuilding your entire stack. - **End-to-end payment automation:** Qualy removes the manual work around a payment, not only the friction at checkout. - **Payment plans and instalments:** Build a plan in seconds; every instalment is tracked, collected, reminded, and reconciled automatically. - **Customer and partner portals:** Customers can see balances, upcoming payments, history, and receipts. Partners can track payouts, invoices, and remittance advice. - **Sell services online:** Qualy lets customers discover, order, and pay for services from your website, a public storefront, or their customer portal. - **Hands-free commissions and payouts:** Calculate and distribute commissions, partner shares, sales-rep bonuses, and net payouts automatically. - **Xero, QuickBooks, and reconciliation:** Qualy pushes payment, invoice, bill, fee, and commission data to your accounting system automatically. - **Automatic payment documents:** Qualy generates the documents customers, partners, and accountants need as part of the payment workflow. - **Local and international payments:** Qualy supports more currencies than Hello Clever, alongside local payment methods and automatic currency conversion. - **AI that removes payment admin:** Qualy AI extracts payment details, amounts, and due dates, then creates structured payment plans in seconds. - **Where Hello Clever stands out:** Hello Clever combines merchant checkout and gateway integrations with rewards and payment intelligence. ## Trusted by businesses worldwide > Working with Qualy has been a game changer. Payments have never been easier, admin work is significantly reduced, reminders are automatically sent, and the process is incredibly convenient. > > — Paula Valenzuela, Co-CEO at YouToo Project > Qualy has improved our customer payment experience and reduced the time and money we spend on finance-related admin. > > — Dan Wortley, CEO of Universal English College > Qualy has changed our business and the way we operate. Our cash flow has improved significantly thanks to Qualy. > > — Julian Fonseca, Former Managing Director at Studia Global Education > Qualy's automation is genuinely remarkable, creating a substantial positive impact on our time and cost efficiency. > > — Simone Ratti, Director at Easy Oz ## Both accept payments. Qualy automates what happens next. Comparison based on each provider's public documentation and marketing pages, verified July 2026. “Not documented” means Hello Clever's public material does not describe the capability. - **PayID payments:** (Real-time bank payments) - **Card payments:** (Visa, Mastercard, and more) - **Unique PayID per payer:** (Automatic matching) - **Unique BSB/account per payer:** (Automatic matching) - **Local payment methods:** (PayID, PayTo, BSB/account, Pix, Boleto, Wero/iDEAL, and more) - **International payments:** (Qualy supports 141+ currencies) - **Xero integration:** (Accounting sync) - **API access:** (Custom integrations) - Where the workflows differ - **Payment plans:** (Automated instalments) - **Direct debit:** (Recurring collection) - **Automated reminders:** (Email and SMS) - **Customer portal:** (Balances and receipts) - **Partner portal:** (Payout visibility) - **Commission automation:** (Rules and splits) - **Multi-beneficiary payouts:** (Pay every party) - **QuickBooks integration:** (Accounting sync) - **Conta Azul integration:** (Accounting sync) - **Zapier integration:** (Connect thousands of apps) - **Offline payment records:** (Cash and bank transfers) - **Automatic documents:** (Invoices and remittances) - **Subscriptions:** (Recurring memberships and services) - **Order and service workflows:** (Payments, forms, tasks, and suppliers) - **Webhooks:** (Real-time event notifications) - **Customer satisfaction:** (Feedback inside the service journey) - **Customer financing:** (Instalments with upfront merchant payment) - **Ecommerce integrations:** (Online-store platforms) - **Custom checkout and gateway:** (Conversion-focused checkout) - **In-store POS support:** (Retail payment experiences) - **Cashback and loyalty:** (Rewards at checkout) - **Merchant AI insights:** (Different AI strengths) ## Frequently asked questions. - **What is the main difference between Qualy and Hello Clever:** Both serve merchants and accept business payments. Hello Clever emphasises real-time checkout, cashback, loyalty, and payment intelligence. Qualy emphasises operational automation around payment plans, collections, customer records, portals, accounting, partner payouts, commissions, and documents. - **Is Qualy ready for merchants outside education:** Yes. Qualy is ready for merchants across industries. Its strongest fit is any business that manages recurring or staged payments, customer balances, partner obligations, commissions, or complex post-payment workflows. - **Do both platforms support PayID and cards:** Yes. Both support real-time PayID and card payments in Australia. - **Can Qualy handle international payments:** Yes. Customers can pay in more than 140 currencies, with currency conversion and reconciliation handled by Qualy. - **Which platform is better for cashback and loyalty:** Hello Clever is the stronger fit when instant cashback, milestone rewards, and loyalty campaigns are the priority. Qualy’s strength is automating the operational work around payments. - **Which platform is better for ecommerce:** It depends on the commerce model. Hello Clever is stronger for packaged ecommerce-platform integrations, POS, cashback, and loyalty. Qualy supports public storefronts, hosted pages, direct-purchase links, branded embedded buy buttons, subscriptions, APIs, and webhooks—and connects every order to payments, forms, tasks, suppliers, accounting, commissions, and payouts. - **Do both platforms use AI:** Yes. Hello Clever uses Clever AI for merchant payment-flow analysis and actionable insights. Qualy AI focuses on operational automation, including extracting payment details and schedules from documents and turning them into structured payment plans. - **Can Qualy connect to our accounting software:** Yes. Qualy connects with Xero, QuickBooks, and Conta Azul. It also supports Zapier, API keys, and webhooks for broader custom integrations. - **Can Qualy automate commissions and partner payouts:** Yes. Set percentage or flat-fee rules once and Qualy calculates, allocates, distributes, and documents each payout automatically. - **Does Qualy create payment documents automatically:** Yes. Qualy can generate and send branded receipts, customer invoices, commission invoices, recipient-created tax invoices, and remittance advice as part of the payment and payout workflow. - **Is there a lock-in contract:** No. There are no exit fees or minimum terms. ## Ready for payments that run your operation? See how Qualy can automate the work before, during, and after every payment. - Free migration plan with dedicated support - Ready for merchants across industries - Go live without interrupting collections ## More on Qualy **Industries** - [For schools](/international-education/for-schools.md) — For international education schools - [For agents](/international-education/for-education-agents.md) — For international education agents **Support** - [Training](/training.md) - [System status](https://qualyhq.statuspage.io/) — Qualy system status - [Product updates](https://changelog.qualyhq.com) — As we work on Qualy, here we spotlight what we’ve learned and updated across our products - [Contact](/contact-us.md) **Product** - [Demo](/demo.md) - [Enterprise](/enterprise.md) - [Testimonials](/testimonials.md) — Learn what some customers have to say about Qualy - [About](/about.md) — Learn about Qualy's mission and values - [Blog](/blog) — International education payments blog by Qualy - [Trust center](/trust.md) - [API](/api.md) — Qualy API for international education payments - [Zapier](/zapier.md) — Connect Qualy to 7,000+ apps with Zapier - [NexPay](/nexpay.md) — Qualy + NexPay — automate everything around the payment **Legal** - [General terms](/terms-and-conditions.md) - [Payer terms](/terms-for-payers.md) - [Privacy policy](/privacy-policy.md) - [BECS DDR](/becs-dd-service-agreement.md)