HaaS Solutions

HaaS provides a single API to access a full suite of atomic micro-services.

Core Transactional

Our core product is a fully featured transaction account where your customers are provided with an account with a unique BSB and account number, the ability to fund and transfer funds via NPP, DE, BPAY or PayID and spend via a linked VISA pre-paid or debit card.

The core product can be integrated with any other HaaS solution to provide a transactional product that meets your specific customer needs.


Bank transfers

We provide fast access to a wide range of non-scheme payment rails that cover NPP, Direct Entry, BPAY, PayID and Direct Debits. We also provide capabilities for seamless, fast adoption to other rails and bank transfer features.

You will also be able to take advantage of our HayPay network which guarantees instant money transfers at a fraction of the cost of traditional transfers.

Card Payments

Our core banking product holds a complete BSB range that supplies full service transactional accounts for your customers, with access to the VISA scheme rails, other scheme rails and core platforms.

We enable Primary Account Number generation, giving you the ability to issue, fulfill, and manage VISA cards, as well as access to the VISA network and other card payment features. 

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Wallets and Tokenisation

We provide access (and front-end integration services if required) to mobile wallets, such as Google Pay and Apple Pay, as well as digital card provisioning. Other wallet access is possible if required.

With us, there is no need for PCI data security compliance as no PCI data is accessed or exposed. We will work with your business on a case-by-case basis to provide the best experience for your customers, including notification expertise and enhanced certification requirements with Apple.

Dynamic Authorisation

Dynamic Authorisation will allow you to create unique payment experiences in real time for each individual customer. The HaaS platform can use a transactional data point or ingest any data from your customised ecosystem to trigger a payment experience.

Our Rules Manager is designed to allow account-level controls for your customers over how money can be spent on their card.

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We provide a simple and seamless onboarding flow for your customers from start to finish. Developed by our in-house UX team, we have revolutionised the onboarding process to be intuitive, secure and frictionless. 

Within our onboarding solution we provide Anti Money Laundering (AML) and Know Your Customer/Business  (KYx) checks against Australian government channels and worldwide PEP and sanction databases.

Financial Crime

HaaS offers a suite of scalable Financial Crime solutions.

By design, our Financial Integrity offerings are tailored to assist you in meeting your obligations through a basic, self-serve or fully managed ‘as a Service’ models.

Such obligations can include transaction monitoring, KY(x), disputes and chargebacks.

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Data and Reconciliation

Our fully-featured, automated reconciliation platform easily integrates with your business and our transactional product, including payments and settlement, NPP, Direct Entry and VISA payment rails. The complexity of the service depends on your customised ecosystem of solutions.

We can also supply bespoke reporting and data requirements to meet any specific needs.



22-24 Hutchinson St,

Surry Hills, NSW 2010


2 Minster court
United Kingdom

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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