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Platform

Seamlessly build products with all the essential ingredients in one place.

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Comprised of microservice embedded finance capabilities that can be used end to end or selectively, the Shaype Platform powers a wide range of use cases with unmatched flexibility and interoperability. 

Platform

Combine atomic building blocks to fast-track enriched, fully digital payment solutions

Onboarding & KYC

Accounts & Wallets

Financial Crime

Rules Engine

Payments & Transfers

Card Issuance

Transaction Processing

Core Ledger

Customisable core payments capabilities

The Shaype Platform features a range of core payments capabilities that can be used to complement an existing product, or combined to deliver unique flows and digital payments experiences. 

These capabilities are atomic microservices and are hyper-customisable by design, connected to a complete suite of local payment rails and supported by integrated world-class KYC and Financial Crime services that reduce the time, effort and risk of managing payments products at scale. 
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Onboarding & KYC

Streamline financial customer onboarding supported by a modern digital user experience that leverages document verification, biometrics and global financial crime databases. Reduce friction and maintain the highest standards of compliance while delivering a smooth, branded journey for customers

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Accounts & Wallets

Take control of a flexible accounts and wallets solution supported by our Core Ledger that assigns dedicated BSBs or branch codes, generates unique account numbers for customers, supports complex account structures like joint, corporate and virtual accounts, and integrates seamlessly with Apple Pay and Google Pay

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Financial Crime

Protect customers with built-in Financial Crime intelligence - real-time transaction screening and fraud monitoring, configurable risk rules and scoring, and automated AML/CTF, PEP and Sanctions checks that support all digital payment products

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Rules Engine

Create customisable payment experiences and trigger events and outcomes for customers using any transactional data point. The Shaype Rules Engine gives you unmatched control over products, is interoperable across all platform microservices and can even be exposed to users to power unique real-time journeys

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Payments & Transfers

Access a complete suite of local non-scheme payment rails and overlays (Direct Entry, BPAY, NPP including Osko, PayID and PayTo) as well as ShaypePay, our intelligent payment routing system. 
Process or embed instant transfers, direct debits, batch and scheduled payments and more with Shaype

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Card Issuance

Issue Visa Debit and Prepaid physical, digital and convertible cards to customers with Shaype. Create unique spending experiences with reloadable and single use cards, Apple & Google Pay provisioning and in-app card controls and visualisation, personalise card branding, printing and delivery all via smart APIs

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Transaction Processing

Dynamic transaction processing solutions that let you configure, screen, authorise and route card and account-to-account payments in multiple formats, giving you end to end control over every transaction from initiation to delivery

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Core Ledger

Shaype's proprietary, cloud-native core transaction ledger - built for embedded finance, delivering real-time balance management, precise transaction posting and seamless reconciliation across any product at any stage of growth

Converting legacy payments into a real-time experience

Migrating and managing legacy payments is hard. Whether it's the removal of cheques or the future turning off of BECS Direct Entry, companies need a solution that allows high and low value bulk payments from these legacy channels with as little effort as possible.

The Shaype Platform’s intelligent routing capability removes the traditional barriers between payment rails allowing existing payment initiation protocols to be used to generate a transaction across any payment rail. The use of existing initiation protocols significantly reduces the time, effort and risk when looking to migrate and upgrade your payment experience.

1
Payment Initiation

Payments can be initiated individually or in bulk using a range of initiation formats.

These formats can mirror existing processes/protocols to ensure seamless integration of the Shaype solution.

2
Intelligent Routing

The intelligent routing capability of the Shaype Platform ingests the payment instructions and identifies the correct payment rail (optimised for speed/cost/CX as required).

Payments can be routed via Shaype’s own payment rails or existing rails already operated by clients.

3
Payment Delivery

Shaype’s intelligent routing ensures that funds are delivered within agreed timelines.

It also allows traditional ABA DE instructions to deliver payments instantly via NPP and other real-time payment channels.

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Shaype Platform API
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ABA File Upload
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Client payment initiation protocol

Shaype Platform

(using Intelligent routing solution)

Existing

client

payment

rails

Shaype

payment

rails

and/or

NPP Payment

$

via OSKO, PayID or PayTo

Direct Entry Payment

$

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Customer
Account
ShaypePay

$

Closed loop payment

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Surry Hills, NSW 2010

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Shaype® is the trading name of Hay as a Service, (ABN 75 645 062 611). Shaype® provides factual information and general advice only on financial products and services as a Corporate Authorised Representative (001293961) of Hay Limited (AFSL 515459).

 
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