Most brands still see payments as a cost centre: something to minimise rather than optimise. Caroline Tran from Hello Clever is flipping that mindset. Her approach transforms the payment rail itself into a driver of growth by connecting real-time payments with real-time rewards. “Cashback feels like a gain, whereas discounts feel like a loss.” That simple shift is redefining how merchants view both margin and loyalty.In Today’s Playbook:How Hello Clever is using real-time payments to power instant cashback and loyaltyWhy cashback feels like a gain while discounts erode brand valueWhy Sonia Friedrich says friction is the ultimate conversion killerThe key to turning payment rails into marketing assets that grow both margin and trustConnect with Caroline Tran Explore Hello CleverListen to Caroline’s main episodeEpisode #392 with SoniaSMS us to request a guest!Support the showWant to level up your ecommerce game? Come hang out in the Add To Cart Community. We’re talking deep dives, smart events, and real-world inspo for operators who are in it for the long haul. Connect with Nathan BushContact Add To CartJoin the Community