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We've moved, and officially launched as...


A single API to access a full suite of atomic microservices

Card Payments

Payment processing and management with VISA sponsorship. Provision prepaid, debit and credit cards. 

Bank Transfers

Payment processing and management with access to non-scheme payment rails, including NPP, DE and BPAY.

Dynamic Authorisation

Create and control unique, real time, customer level payment experiences through our proprietry rules engine.


Anti-money laundering, Know Your Customer (KYX) solutions for both consumer and business accounts.

Core Transactional Product

Creation of transaction account (including joint accounts) with BSB and account number with link to card if required.

Financial Crime

Real time AML, CTF and fraud monitoring across all payment channels.

Wallets & Tokenisation

Full Digital Card services, such as in app Google / Apple wallet provisioning and view card details, protected from any PCI obligations

Data & Reconciliation

Customised data analytics and insights and management of reconciliation processes.

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Nano Home loans Visa Debit Card
and full featured app (iOS and Android).

Accounts, VISA sponsorship, AML, CTF and fraud monitoring, KYC and onboarding, Digital wallets, Data and reconciliation, back office management services.

Andrew Walker profile image

Andrew Walker

CEO & Founder

Nano Home Loans

Nano logo

“HaaS removes the mind-boggling complexity of the payments eco-system and replaces it with a one stop seamless solution."

"Nano needed a payments partner that could work at our pace and offer solutions that helped drive our business. It needed to be fast, flexible and functional. Hay delivers with a true partner mindset.

As a consequence we removed upwards of 6 months of build and integration from our critical path and de-risked this critical piece of our platform.”

HaaS provides Nano with access to the Australian payments network. 

HaaS removes legacy constraints 
and hands over the keys



Our best-in-class tech delivers fast payment and auxiliary solutions Implementation is up to 4x faster than competitors. HaaS ensures rapid delivery of product upgrades and new product delivery.


Design, test and deliver products with our sandbox accelerator in as little as 10 days.

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Payment and Settlements

Wallets and Tokenisation

Card payments

Bank transfers

Payment and settlement solutions out of the box


Hay provides account transactional  services, including payment authorisation and balance management via fully-featured accounts with scheme and non-scheme rails integration allowing card/PAN linking in Australia.  

Financial Crime

Hay utilises access to a real-time leading fraud system, Featurespace via a microservice API.  

Access covers all payment channels, including scheme and non-scheme rails. Checks cover all transactions using a real-time fraud engine, monitoring and reporting suspected financial crime.  

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Fraud management



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Payments app and
test environment

Security and personal information processing



Stand products up in as little as

10 days

HaaS has a range of accelerator tools and support services to get your products to market faster than ever experienced before. Our multi-rail sandbox environment for both bank transfer and card payments testing, ready to be allocated for use to provide quick time-to-market for proof-of-concept implementations. 

Swagger for RESTful APIs provide API consumers with comprehensive auto-generated, auto-updated API definitions to simplify the integration process.

Staging environment to allow controlled development without production impact.

SME support teams scale your capabilities and get your products live sooner

Our implementation team co-ordinates onboarding activities, ensure secure connectivity is established and to capture and schedule engineering deliverables.


HaaS have a team of tech SMEs across platform and front-end development, ready to assist during Proof of Concept (POC) to maximise implementation, optimise ideation and increase speed to help meet delivery goals at all your stages of development.

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We continue to innovate and accelerate delivery speeds:




We built our modern, cloud native, API First architecture and launched our first customer.




All customers now have the ability to test their proposition on live rails in as little as 10 days using the HaaS accelerator multi-rail sandbox!



22-24 Hutchinson St,

Surry Hills, NSW 2010


2 Minster court
United Kingdom

Find out how we can
accelerate your success

Follow us on:

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HaaS is the promoter and distributor of products issued by Hay Limited.

Hay Limited ABN 34 629 037 403 operating under an Australian Financial Services licence 515459.

© 2021

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